View 2004 Buick Century Insurance Cost

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.

Low cost car insurance prices

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.

1. The easiest and least time consuming way to get quotes for comparison is a comparison rater form like this one (opens in new window). This quick form keeps you from doing separate quotes for every prospective company. One quote request will return quotes from many national carriers. Just one form and you’re done.
2. A more time consuming way to analyze rates is to take the time to go to each company website to complete their respective quote request forms. For instance, we’ll assume you are doing a rate comparison from Liberty Mutual, Esurance and Farmers. You would have to spend time going to each site individually and repeatedly type in your coverage information, and that explains why we recommend the first method.

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

3. The most time-consuming method to find lower rates is driving to different agent offices. Quoting and buying insurance online eliminates the need for an insurance agent unless you want the advice and guidance only provided by licensed agents. Some companies do allow you to obtain prices from the web but purchase the actual policy in an agency.

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.

Cut your auto insurance rates with discounts

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.

• Theft Deterent Discount – Cars that have factory anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
• Payment Discounts – If you can afford to pay the entire bill instead of making monthly payments you may have a lower total premium amount.
• ABS and Traction Control Discounts – Cars and trucks with anti-lock braking systems can reduce accidents and will save you 10% or more.
• Driver Safety – Taking time to complete a defensive driver class can save you 5% or more and make you a better driver.
• Discount for New Cars – Insuring a new car can get you a discount because new model year vehicles have to meet stringent safety requirements.

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.

You are unique and your auto insurance should be too

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.

• Is other people’s property covered if stolen from my vehicle?
• When should I remove comp and collision on my 2004 Buick Century?
• When do I need to add a new car to my policy?
• Can I make deliveries for my home business?
• Why am I required to get a high-risk car insurance policy?
• Why do I only qualify for high-risk insurance?
• Does medical payments coverage apply to all occupants?

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.

Lower the price of insurance with these tips

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.

• How old are your drivers? – More mature drivers are proven to be safer behind the wheel, are lower risk to insure and tend to be get fewer driving tickets.Beginning drivers have been known to be less responsible when driving and because of this, their insurance rates are much higher.
• Higher prices for high stress jobs – Did you know your occupation can influence how much you pay for insurance? Careers such as military personnel, social workers and medical professionals generally have the highest average rates because of stressful work requirements and incredibly demanding work hours. On the flip side, professions such as scientists, engineers and homemakers have the lowest average rates on Century coverage.
• Rural vs Urban Areas – Having an address in small towns and rural areas has it’s advantages when shopping for auto insurance. Fewer drivers on the road translates into fewer accidents in addition to fewer liability claims. People who live in big cities have traffic congestion and a longer drive to work. More time on the road means a statistically higher chance of an accident.
• Annual miles is a factor – The higher the mileage driven annually the higher your rate. The majority of insurers rate vehicles based upon how much you drive. Vehicles left parked in the garage get more affordable rates than those that get driven frequently. It’s a good idea to make sure your declarations sheet properly reflects the correct driver usage, because improper ratings can cost you money. An improperly rated Century is just wasting money.
• Gender as a rate factor – Over the last 30 years, statistics show that females take fewer risks when driving. It does not mean women are better drivers. They both have accidents in similar numbers, but the males have costlier accidents. In addition to higher claims, males also receive more major tickets such as DWI and reckless driving.
• Single drivers may pay higher prices – Being married helps lower the price on your policy. Marriage generally demonstrates drivers are more mature and it’s statistically proven that married drivers tend to file fewer claims.

Auto insurance advertising gotchas

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.

Insurance specifics

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.

Auto collision coverage

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.

Comprehensive protection

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.

Medical expense 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

Uninsured or underinsured 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.

Coverage for liability

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.

Shop smart and save

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:

• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)
• Smart Auto Insurance Tips (Insurance Information Insitute)