Best Strategies to Lowering Your Buick Century Insurance Rates

Nobody that owns a car loves paying for car insurance, especially knowing the cost is way too high. Many car insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the best price available.

It is always a good idea to get comparison quotes at least once a year because car insurance prices trend upward over time. Despite the fact that you may have had the lowest rates on Century insurance on your last policy you may be paying too much now. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the fastest and easiest way to lower your annual insurance bill.

Insurance Premiums are Influenced by These Factors

Lots of things are part of the calculation when premium rates are determined. A few of the factors are predictable such as traffic violations, but other criteria are more obscure such as your credit history or your vehicle rating. Part of the car insurance buying process is learning the factors that come into play when calculating car insurance rates. If you have a feel for what determines base rates, this empowers consumers to make smart changes that may result in lower rates.

• Raise comp and collision deductibles and save – Deductibles for physical damage tell how much you are required to spend out-of-pocket before a claim is paid by your company. Physical damage protection, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some instances where coverage would apply could be colliding with a stationary object, vandalism, or theft of your vehicle. The more of the claim you have to pay, the lower your rates will be on Century insurance.
• Do thieves like your car? – Selecting a car model with advanced anti-theft systems can help lower your rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft.
• Extra coverages that may not be needed – Policies have additional coverages that can add up if you aren’t careful. Coverage for things like personal injury protection, accident forgiveness, and term life insurance are probably not needed. The coverages may be enticing at first, but if you don’t need them consider taking them off your policy.
• Responsible drivers pay less – Attentive drivers pay lower auto insurance prices than their less careful counterparts. Having a single speeding ticket or other violation could increase your next policy renewal to the point where it’s not affordable. Drivers who have careless violations such as DUI, reckless driving or excessive speeding may find that they have to to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to legally drive a vehicle.
• Younger drivers pay more – Older drivers tend to be more responsible, cause fewer claims and accidents and receive fewer citations.Beginning drivers have a tendency to get distracted easily when driving with friends so car insurance rates are higher.
• Never let your car insurance policy lapse – Having a lapse in insurance coverage will be a sure-fire way to increase your rates. In addition to paying higher premiums, being ticketed for driving with no insurance may result in a revoked license or a big fine.

Don’t overlook these car insurance discounts

Companies do not advertise all possible discounts very well, so the following list contains a few of the more well known as well as the least known discounts that you can inquire about if you .

• Federal Government Employee – Active or retired federal employment can save as much as 8% on Century insurance with some car insurance companies.
• Low Mileage Discounts – Low mileage vehicles could qualify for slightly better prices than normal.
• Military Deployment Discount – Being deployed with a military unit could mean lower premium rates.
• Driver Training Discounts – Taking a class that teaches driver safety techniques could earn you a small percentage discount and make you a better driver.
• Claim Free – Claim-free drivers can save substantially in comparison to bad drivers.
• Multi-Vehicle Discounts – Insuring more than one vehicle with one company could earn a price break for each car.
• Own a Home and Save – Being a homeowner may earn you a small savings because it means you have a higher level of financial diligence.
• Driver’s Ed – Require your teen driver to participate in a local driver’s education class as it will make them better drivers and lower rates.
• Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts could see savings as much as 30%.

Discounts lower rates, but most discounts do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as medical payments or collision. So when it seems like it’s possible to get free car insurance, you aren’t that lucky.

The best car insurance companies and their possible discounts are:

• GEICO offers discounts for multi-policy, anti-lock brakes, anti-theft, emergency military deployment, defensive driver, good student, and multi-vehicle.
• Auto-Owners Insurance offers discounts including safe vehicle, paperless, teen driver, anti-theft, and paid in full.
• American Family has discounts for accident-free, multi-vehicle, good driver, air bags, and early bird.
• Esurance discounts include good student, online quote, defensive driver, online shopper, safety device, anti-lock brakes, and DriveSense.
• Progressive has savings for good student, multi-policy, online signing, continuous coverage, and multi-vehicle.
• State Farm offers premium reductions for good driver, passive restraint, Drive Safe & Save, multiple policy, student away at school, accident-free, and driver’s education.
• AAA policyholders can earn discounts including multi-car, pay-in-full, good driver, anti-theft, AAA membership discount, multi-policy, and good student.

When getting a coverage quote, ask every insurance company which discounts can lower your rates. Discounts might not apply in your area.

Car insurance advertisements

Allstate and Progressive continually stream ads on TV and radio. All the companies state the claim about how much you will save just by moving your policy. How is it plausible that every one can claim to save you money? This is how they do it.

Insurance companies give the cheapest rates for the right customer that will be a good risk. An example of a profitable customer could possibly be over the age of 35, carries high limits, and drives a lower-performance vehicle. Someone who fits those characteristics gets the lowest rates and will also save if they switch.

Drivers who don’t qualify for these criteria may receive a higher rate and the customer not buying. If you pay attention, the ads say “people that switch” not “everyone who quotes” save that much money. That’s the way insurance companies can make claims like that.

Because each company has a different risk profile, it is so important to do a rate comparison at every renewal. Because without a comparison, you cannot know with any certainty which company will provide you with the cheapest prices.

Cheaper coverage is out there

Budget-conscious Buick Century insurance can be bought both online in addition to local insurance agencies, so you need to with both to have the best chance of lowering rates. Some car insurance companies may not provide online rate quotes and many times these small insurance companies prefer to sell through independent agents.

As you prepare to switch companies, make sure you don’t reduce needed coverages to save money. Too many times, an insured cut collision coverage only to regret that the savings was not a smart move. Your goal should be to buy enough coverage for the lowest cost.