View 2002 Buick Century Insurance Rates

Want better insurance rates for your Buick Century? Finding the cheapest insurance on the internet can seem to be rather challenging for people who are new to online price comaprisons. Since there are so many online companies, how can anyone even start to compare every one to find the cheapest rates?

You should make it a habit to do rate comparisons every six months because insurance rates are rarely the same from one policy term to another. If you had the lowest price on Century coverage a couple years back there is a good chance you can find better rates now. Block out anything you think you know about insurance because you’re about to learn the easiest way to find the best coverage while lowering your premiums.

How to Get Cheap Insurance

When shopping for insurance there are multiple ways of comparing price quotes and find the best price. The quickest method to compare 2002 Buick Century insurance prices is to use the internet to compare rates. It is quite easy and can be accomplished in several different ways.

  • The easiest and least time consuming way to get the best comparison quotes is a comparison rater form click here to open form in new window. This method saves time by eliminating repetitive form submissions for every insurance company. In just a few minutes this one form will return price quotes from multiple low-cost companies. This is by far the quickest method.
  • A less efficient way to get quotes online is to manually visit the website for every company you want to comare to complete their respective quote request forms. For sake of this example, we’ll pretend you want to compare Liberty Mutual, Geico and Travelers. To get each rate you have to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  • The hardest way of getting rate comparisons is to spend your day driving to insurance agents’ offices. Shopping for insurance online eliminates the need for an insurance agent unless you have a need for the trained guidance of a licensed agent. It is possible to obtain prices from the web and get advice from an agent in your area.

It’s your choice how you get your quotes, but make sure you use identical coverage information for every company. If you enter unequal deductibles or liability limits it will be impossible to determine the best price for your Buick Century. Slightly different coverages can make a big difference in price. Just remember that more quotes will improve the odds of getting the best offered rates.

Car insurance is unique, just like you

When it comes to choosing proper insurance coverage, there really is no best way to insure your cars. Every situation is different.

For instance, these questions might point out if your insurance needs could use an agent’s help.

  • How much liability coverage do I need in my state?
  • Does my insurance cover my expensive audio equipment?
  • Is other people’s property covered if stolen from my vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • How many claims can I have before being cancelled?
  • What is covered by UM/UIM coverage?
  • Am I covered when driving a rental car?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, complete this form.

Insurance coverages explained

Having a good grasp of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Uninsured and underinsured coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Buick Century.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Coverage for liability

This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as repair bills for other people’s vehicles, court costs, repair costs for stationary objects, attorney fees and emergency aid. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Collision insurance

This pays for damage to your Century resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a parking meter, colliding with a tree, crashing into a ditch, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, damage from a tornado or hurricane, hail damage and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses for surgery, rehabilitation expenses, ambulance fees, hospital visits and doctor visits. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible