Searching for better insurance prices for a new or used 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 find auto insurance online so we’re going to tell you the absolute fastest way to get price quotes for a new or used Buick and locate the lowest possible price either online or from local insurance agents.
It’s a good idea to shop coverage around before your policy renews because auto insurance prices change regularly. Even if you think you had the best price on Century coverage at your last renewal the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because I’m going to teach you one of the easiest ways to save on auto insurance.
Finding affordable coverage is not rocket science. If you have insurance now or need a new policy, you can use these techniques to find better prices and still get good coverage. Vehicle owners only need to know the proper way to shop their coverage around over the internet.
Cutting your car insurance rates is actually easier than you may think. Drivers just need to take a couple of minutes comparing rates online from several insurance companies. This is very easy and can be done in several different ways.
For a list of companies in your area, click here.
The approach you take is up to you, just be sure you’re using exactly the same coverage data for each quote you get. If you have different values for each quote it will be impossible to make an equal comparison.
Car insurance companies don’t always publicize every policy discount in an easy-to-find place, so the below list has a few of the more common and also the lesser-known credits that may apply to you.
As is typical with insurance, some credits don’t apply to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, that’s just not realistic.
To choose insurance companies that provide some of the discounts listed above, follow this link.
When buying the best auto insurance coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different.
For example, these questions may help highlight if your insurance needs could use an agent’s help.
If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.
The best way to find cheaper insurance is to take a look at the different types of things that play a part in calculating your policy premiums. When you know what positively or negatively impacts premium levels, this allows you to make good choices that could result in lower insurance prices. Lots of factors are used in the calculation when pricing auto insurance. Some of the criteria are obvious like your driving record, but some are less obvious like your vehicle usage or your financial responsibility.
Consumers can’t ignore all the ads that claim the lowest prices by State Farm, Geico and Progressive. They all seem to convey the message that drivers can save some big amount just by switching your auto insurance policy to them.
How does every auto insurance company give you a better price? It’s all in the wording.
Companies have a certain “appetite” for the type of customer they prefer to insure. An example of a profitable customer might have to be over the age of 35, has no claims, and has excellent credit. Anybody who meets those qualifications will qualify for the lowest rates as well as save some money.
Consumers who fall short of these stringent criteria will probably have to pay a more expensive rate with the end result being the driver buying from a lower-cost company. The wording the ads use say “people who switch” not “all people who quote” can get the lowest rates when switching. That is how insurance companies can make claims that they all have the best premium rates. Different companies use different criteria so it is so important to quote coverage with many companies. It’s just too difficult to predict the company that will provide you with the cheapest car insurance rates.
Knowing the specifics of a insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.
This will pay to fix damage to your Century resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision can pay for claims like sustaining damage from a pot hole, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.
This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as damage from flooding, damage from a tornado or hurricane, theft and hail damage. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for ambulance fees, chiropractic care, EMT expenses, surgery and dental work. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
This gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 2004 Buick Century.
Because many people 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.
This coverage provides protection from damage that occurs to other people or property. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.
Liability insurance covers claims such as structural damage, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.
Consumers switch companies for a variety of reasons including policy cancellation, not issuing a premium refund, denial of a claim and even policy non-renewal. Regardless of your reason for switching companies, finding a new auto insurance company can be less work than you think.
While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. In many cases, consumers will sacrifice uninsured motorist or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at the best possible price, but do not skimp to save money.
In this article, we presented a lot of techniques to get a better price on 2004 Buick Century insurance. The key thing to remember is the more you quote car insurance, the better likelihood of getting cheap car insurance. Drivers may discover the biggest savings come from the least-expected company.
For more information, take a look at the articles below:
For me, Allstate was by far the cheapest in Providence, RI.
I live west of Frederick, MD. Got prices from GEICO, Farmers, and Liberty Mutual for my 2004 Buick Century and saved just over $100 a year. I have a teen driver too. They were helpful in switching over. Liability only on my Century.
Just a quick comment on my experience. I live in Birmingham, AL. Went online for free insurance quotes for a 2004 Buick Century. Ended up at about $90 savings annually. Went with 21st Century. I’m a pretty low risk driver. Not sure if rates are cheaper online or through an agent. Just liability coverage since it’s getting old.
It’s all a rip off. From a town just southwest of Newark, DE. I got free prices from Travelers, AIG Insurance, Liberty Mutual, and Mercury for my Century and saved $112 a year. Was with USAA. A clean driving record helps. I just quoted rates online.
Will Progressive give discounts for good grades?
21st Century was cheapest for my 2004 Buick Century in Seattle, WA.
I got decent rates for a 2004 Buick Century in Boston, Massachusetts. Ended up at roughly $110 every six months with AIG Insurance. I have several vehicles insured with them. Hardly afford to drive anymore.
Checking in from Tucson, Arizona. Received quotes with GEICO, Encompass, and The General for my Buick and saved $75 a year. Even increased coverage a bit. I just carry liability insurance.
If you’re a decent driver and are close to Dover, DE, check out 21st Century. They seem to be cheaper. Have a couple speeding tickets too. Can still barely afford it.
Checking in from Wilmington, DE. Quoted a bunch of companies. Saved darn near $20 a month. State Farm was the best choice for me. I think they have home insurance too. I think I’ll get rid of full coverage next time.
Here’s my info. Located in Portland, ME. I got free quotes with State Farm, AIG Insurance, and Eastwood for my Century and I’m now saving $19 a month.
Affordable car insurance is a myth. I live in Des Moines, IA. Not sure of all the companies but I ended up saving about $10 each month. They offer free online rate quotes. I dropped full coverage awhile back.
Not sure what I should be paying. I live in a small town just outside of Davenport, IA. Got car insurance prices from AAA, Encompass, and Nationwide for my 2004 Buick Century and I think I saved about $20 each month. Insured with Hanover before. I get multi-vehicle and multi-policy discounts. Not sure if rates are cheaper online or through an agent.
Hope my car insurance gets cheaper. I live in a small town just outside of Spokane, Washington. Got free quotes online for a 2004 Buick Century. Ended up at about $120 savings annually. Went with 21st Century. Good multi-policy discounts. It never hurts to quote around. I only have liability coverage on it.
If you have a good history and live near Great Falls, Montana, check out GEICO. You might save some money. Was with Auto-Owners. Liability only on my Century.