Cheapest 1998 Buick Century Insurance Rates in 2024
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UPDATED: Aug 23, 2022
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Want cheaper auto insurance rates for your Buick Century? Comparing car insurance rates is not a procedure consumers fancy doing, but it’s mandatory to be legal behind the wheel.
If you currently have car insurance, you will most likely be able to save some money using this strategy. The purpose of this article is to let you in on the best way to quote coverages and some tips to save money. But vehicle owners need to have an understanding of the way insurance companies determine prices and use this information to your advantage.
Comprehensive Insurance Coverage Comparison
When shopping for insurance coverage there are multiple ways to compare quotes from local insurance coverage companies. The easiest way to find the cheapest 1998 Buick Century insurance rates consists of shopping online. It is quite easy and can be accomplished using a couple different methods.
- The first (and easiest) way to get quotes is a comparison rater form click to view form in new window. This easy form saves time by eliminating multiple quote forms for each company you want a rate for. Taking the time to complete one form will return price quotes from multiple low-cost companies. Just one form and you’re done.
- A harder way to get quotes online consists of going to the website for every company you want to comare and request a quote. For instance, let’s say you want to compare rates from Allstate, Liberty Mutual and Travelers. To find out each rate you need to take the time to go to each site and enter your policy data, which is why the first method is more popular.
For a list of links to companies insuring cars in your area, click here.
Whichever method you choose, ensure you’re using exactly the same information for every quote you compare. If the quotes have higher or lower deductibles you can’t possibly find the best deal for your Buick Century. Slightly different insurance coverages can result in a big premium difference. Keep in mind that more quotes helps you find the best offered rates.
Pay less for 1998 Buick Century insurance
Auto insurance companies do not advertise all their discounts in a way that’s easy to find, so the following is a list of both the well known and the more hidden ways to save on insurance.
- Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
- E-sign – Some insurance companies give back up to $50 for buying your policy digitally online.
- No Accidents – Claim-free drivers can earn big discounts as compared to frequent claim filers.
- Auto/Life Discount – Some companies give a discount if you purchase life insurance.
- Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with a substantially lower rate.
- Organization Discounts – Being a member of a qualifying organization is a good way to get lower rates on insurance for Century coverage.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
- Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
- Government Employees – Simply working for the federal government can save as much as 8% for Century coverage with select insurance companies.
Drivers should understand that many deductions do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you could get a free insurance policy, you won’t be that lucky.
Insurance companies that possibly offer these money-saving discounts are:
It’s a good idea to ask each company how you can save money. Discounts might not apply everywhere.
Tailor your coverage to you
When choosing coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is a little different.
These are some specific questions can help discover if your situation would benefit from an agent’s advice.
- When should I remove comp and collision on my 1998 Buick Century?
- What vehicles should carry emergency assistance coverage?
- Am I covered if hit by an uninsured driver?
- How high should deductibles be on a 1998 Buick Century?
- Does insurance cover tools stolen from my truck?
- Can I afford to buy a different vehicle if my 1998 Buick Century is totaled?
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, complete this form.
Information about specific coverages
Having a good grasp of your policy helps when choosing the best coverages for your vehicles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.
Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Buick Century.
Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.
Comprehensive coverage – Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like damage from a tornado or hurricane, rock chips in glass, falling objects, hitting a bird and hitting a deer. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Liability car insurance – This coverage protects you from damage or injury you incur to a person or their property. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged property.
Liability coverage pays for claims like repair bills for other people’s vehicles, bail bonds and pain and suffering. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.
Collision – This pays for damage to your Century from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as scraping a guard rail, damaging your car on a curb, crashing into a ditch and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.
Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for immediate expenses like funeral costs, ambulance fees and surgery. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay
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