Insider Methods to Getting the Absolute Lowest Buick Century Insurance Rates

Having to pay for overpriced auto insurance can overdraw your personal savings and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to slash your bill and have more diposable income.

Big-name insurance companies like GEICO and Progressive all claim big savings, bombarding you with catchy ads and consumers find it hard to ignore the propoganda and do the work needed to find the best deal.

If you have car insurance now, you will be able to reduce your rates substantially using these methods. Buying car insurance is quite easy. Although vehicle owners do need to understand the methods companies use to price insurance differently and apply this information to your search.

More discounts equal less premium

Auto insurance companies don’t always list every available discount in an easy-to-find place, so here is a list some of the more common as well as the least known ways to save on auto insurance.

  • Early Switch Discount – Select companies give a discount for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Life Insurance – Select insurance companies reward you with better rates if you take out life insurance.
  • Bundle and Save – When you have multiple policies with the same insurance company you may save approximately 10% to 15%.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less on Century insurance than drivers with accidents.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.
  • Homeowners Pay Less – Owning a home may earn you a small savings because owning a home shows financial diligence.
  • Memberships – Affiliation with certain professional organizations could qualify you for a break when shopping for auto insurance on Century insurance.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% on Century insurance with a few auto insurance companies.
  • Distant Student – Any of your kids who are attending college without a vehicle on campus may be able to be covered for less.

It’s important to note that most discounts do not apply to the entire cost. Most cut specific coverage prices like physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, it doesn’t quite work that way.

To choose insurers offering auto insurance discounts, click here to view.

Buick Century insurance rates are influenced by…

An important part of buying insurance is that you know the factors that play a part in calculating the price you pay for auto insurance. Having a good understanding of what influences your rates enables informed choices that will entitle you to lower auto insurance prices.

Shown below are some of the items auto insurance companies consider when setting prices. car insurance quote

  • Better credit means lower rates – Credit rating is a big factor in determining your rates. People with high credit scores tend to be more responsible than drivers with lower ratings. So if your credit score can use some improvement, you could potentially save money when insuring your Buick Century by spending a little time repairing your credit.
  • How’s your driving record? – Good drivers receive lower rates compared to drivers with tickets. Just one ticket can increase rates twenty percent or more. If you have flagrant violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form to the state department of motor vehicles in order to keep their license.
  • Do you have enough liability coverage? – Your policy’s liability coverage is the coverage that protects you when you are found to be at fault for damages from an accident. It will provide you with a defense in court starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
  • More performance means more cost – The type of car you are buying insurance for makes a significant difference in how high your rates are. Due to the fact that the Buick Century is classified as a passenger car, insuring your vehicle will cost similar in price or lower than the average rate where you live. Small economy passenger cars generally have the cheapest insurance rates, but the cost you end up paying is determined by many additional factors.
  • Never let your coverage lapse – Not having insurance is a misdemeanor and auto insurance companies will penalize you for letting your insurance expire. Not only will rates go up, but not being able to provide proof of insurance will get you a steep fine or even jail time.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Low deductibles can be expensive – Deductibles for physical damage represent how much money you are required to spend in the event of a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims would be colliding with a building, damage caused by hail, or theft. The more you’re willing to pay, the bigger discount you will receive on Century insurance.

But don’t I need an insurance agent?

Some consumers prefer to sit down with an agent and that is just fine! The biggest benefit of price shopping on the web is you may find lower rates and still choose a local agent.

After completing this quick form, your insurance coverage information is instantly submitted to companies who will give you bids to get your business. There is no reason to drive around as quotes are delivered immediately to your email address. How’s that for easy! You can find better rates and work with a local agent.

Choosing an insurance company should depend on more than just a low price. These are valid questions to ask:

  • Do they regularly work with personal auto policies?
  • How long has their agency been open?
  • What is the agency’s Better Business Bureau rating?
  • What insurance companies do they recommend if they are an independent agent?
  • Do the coverages you’re quoting properly cover your vehicle?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Are there any hidden costs in their price quote and does it include driving and credit history?

What type of car insurance agent is right for you?

When searching for a reliable agent, you must know there are a couple types of agencies to choose from. agents are classified as either captive or independent.

Captive Insurance Agents

Captive insurance agents write business for a single company like Farmers Insurance, American Family, State Farm and Allstate. They are unable to place coverage with different providers so they are skilled at selling on more than just price. These agents are usually quite knowledgeable on their company’s products which helps them compete with independent agents.

Independent Agents (or Brokers)

Independent agents do not work for one specific company so they can insure your vehicles amongst many companies and potentially find a lower price. To transfer your coverage to a different company, your agent can switch companies and that require little work on your part. When searching for an agent, it’s a good idea to include several independent insurance agents to ensure the widest selection of prices.

To view a complete directory of auto insurance agents, click here.

Upon receiving good answers to these questions in addition to an acceptable price estimate, it’s possible that you found an insurance agency that can service your policy.

Auto insurance ads bend the truth

Companies like State Farm, Allstate and GEICO constantly bombard you with ads on television and other media. All the ads make the same claim about savings if you switch to their company. But how can every company say the same thing? This is how they do it.

cheapest Buick Century insurance

Insurance companies are able to cherry pick for the driver that earns them a profit. For instance, a preferred risk could possibly be over the age of 40, is a homeowner, and has a short commute. A driver who matches those parameters will get the preferred rates and as a result will probably cut their rates substantially.

Potential customers who don’t measure up to the requirements will be quoted higher premiums and this can result in the driver buying from a lower-cost company. The ads state “drivers who switch” not “everyone that quotes” save that much. This is how insurance companies can advertise the savings. This emphasizes why drivers should compare as many rates as you can. It’s just too difficult to predict which insurance companies will provide you with the cheapest rates.

Final considerations

Low-cost Buick Century insurance can be sourced online and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some auto insurance companies do not offer online price quotes and these smaller companies work with independent agents.

As you shop your coverage around, do not reduce needed coverages to save money. There are too many instances where someone dropped physical damage coverage only to discover later that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find for the lowest price.