How Much Does 1998 Buick Century Car Insurance Cost?

Trying to find lower car insurance rates for your Buick Century? Searching for low-cost insurance for a Buick Century can be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to buy car insurance so we’re going to tell you the proper way to compare rates for a new or used Buick and get the lowest possible price either online or from local insurance agents.

It’s a great practice to compare premium rates quite often because car insurance prices tend to go up over time. If you had the best price on Century coverage a few years ago you can probably find a better rate now. You can find a lot of wrong information about car insurance on the web, but you can learn the easiest ways to slash your car insurance rates.

More affordable rates by getting discounts

Auto insurance companies don’t necessarily list all possible discounts very well, so we researched both the well known and also the more inconspicuous credits available to you.

• Braking Control Discount – Vehicles with anti-lock braking systems can stop better under adverse conditions and will save you 10% or more.
• Theft Prevention System – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen and will save you 10% or more.
• Government Employees – Simply working for the federal government can earn a discount up to 10% on Century coverage with a few insurance coverage companies.
• Defensive Driver – Completing a course that instructs on driving safety could save 5% or more and make you a better driver.
• Accident Forgiveness Coverage – Not a discount per se, but a few companies such as Progressive and Allstate allow you one accident before your rates go up so long as you are claim-free for a certain period of time.
• Low Mileage – Low annual miles could earn lower premium rates on the low mileage vehicles.
• Student Discounts – Excelling in school can save 20 to 25%. The discount lasts well after school through age 25.
• Own a Home and Save – Being a homeowner can help you save on insurance coverage because it shows financial diligence.
• Life Insurance – Not all insurance coverage companies offer life insurance, but some may give you better prices if you take out auto and life insurance together.
• New Car Discount – Buying a new car model can cost up to 25% less because new vehicles have to meet stringent safety requirements.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.

A few companies that may offer policyholders many of the previously listed discounts possibly include:

• State Farm
• Farmers Insurance
• Progressive
• Geico
• Auto-Owners Insurance
• The Hartford
• Farm Bureau
• USAA

When getting a coverage quote, ask all companies you are considering the best way to save money. Some credits might not apply in your area. If you would like to see a list of insurance companies that offer many of these discounts, click here.

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Your insurance coverage should be tailored to you

When it comes to buying the best insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether you would benefit from professional advice.

• Am I getting all the discounts available?
• How high should my uninsured/underinsured coverage be in my state?
• Is my ex-spouse still covered by my policy?
• Why am I required to buy high-risk coverage?
• Does coverage extend to Mexico or Canada?
• How does medical payments coverage work?
• Does coverage extend to my business vehicle?
• I have a DUI can I still get coverage?
• Is business equipment covered while in my vehicle?
• Do I have any recourse if my insurance company denies a claim?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Auto insurance advertising gotchas

Consumers constantly see and hear ads that promise big savings by State Farm, Geico and Progressive. They all convey the message that drivers can save some big amount if you move your policy.

How do they all give you a lower rate? It’s all in the words they use.

Auto insurance companies have a preferred profile for a prospective insured that will generate a profit. For instance, a desirable insured may be a married female, has never had a policy lapse, and drives a car with an anti-theft system. Any driver that meets those criteria is entitled to the best price and will save some money.

Potential insureds who don’t meet those standards will have to pay higher rates with the end result being the customer buying from someone else. If you pay attention, the ads say “customers that switch” not “all people who quote” will save that much if they switch. That is how companies can truthfully make claims that they all have the best premium rates. That is why you absolutely need to get as many free car insurance quotes as possible. It’s impossible to know the company that will fit your personal profile best.

The coverage is in the details

Having a good grasp of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like vandalism, theft and a broken windshield. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance – Med pay and PIP coverage kick in for short-term medical expenses for X-ray expenses, nursing services and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability coverage – Liability insurance will cover damage that occurs to a person or their property in an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against claims like repair bills for other people’s vehicles, medical expenses and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with a tree, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

UM/UIM Coverage – This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Buick Century.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

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Final thoughts

In this article, we presented some good ideas how you can get a better price on 1998 Buick Century insurance. The key concept to understand is the more times you quote, the better chance you’ll have of finding inexpensive car insurance. Drivers may discover the best prices are with some of the smallest insurance companies.

Consumers who switch companies do it for any number of reasons including extreme rates for teen drivers, denial of a claim, an unsatisfactory settlement offer or lack of trust in their agent. It doesn’t matter what your reason, finding a new company can be less work than you think.

Some insurance companies may not have rates over the internet and these smaller providers provide coverage only through independent agencies. Cheaper 1998 Buick Century insurance can be bought on the web as well as from insurance agents, and you need to comparison shop both to have the best chance of lowering rates.

Additional auto insurance information is located below:

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Bodily Injury Coverage (Liberty Mutual)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• Neck Injury FAQ (iihs.org)

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