Compare 2005 Buick Century Car Insurance Rates

Looking for the cheapest insurance rates for your Buick Century? Are you tired of trying to scrape together enough money to pay insurance each month? You’re in the same situation as many other drivers.

Since drivers have many companies and agents to choose from, it can be impossible to choose the lowest cost company.

Pricing the best auto insurance coverage can be fairly easy. Just about every vehicle owner who is shopping for auto insurance will most likely be able to reduce their rates. Although vehicle owners do need to know how the larger insurance companies price online insurance and use this information to your advantage.

Don’t overlook these auto insurance discounts

Car insurance can cost a lot, but you might find some hidden discounts that could help you make your next renewal payment. Certain reductions will be credited at the time of quoting, but occassionally some discounts must be inquired about in order for you to get them.

• Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save 5% or more.
• Good Students Pay Less – Maintaining excellent grades can save 20 to 25%. You can use this discount normally up to age 25.
• Telematics Data – Drivers who elect to allow their company to scrutinize their driving habits by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if their driving habits are good.
• Accident Forgiveness Coverage – Not necessarily a discount, but a few companies such as State Farm and Progressive allow you one accident before hitting you with a surcharge if your claims history is clear for a set time period.
• Own a Home – Just being a homeowner can save you money because it requires a higher level of personal finance.
• Student Discount for Driver Training – It’s a good idea to have your young drivers complete a driver education course as it can save substantially.

As a sidenote, some of the credits will not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. So even though you would think it’s possible to get free car insurance, company stockholders wouldn’t be very happy. Any qualifying discounts will reduce your overall premium however.

A few of the larger companies and some of the premium reductions they offer are:

• Farmers Insurance may include discounts for homeowner, distant student, mature driver, multi-car, teen driver, youthful driver, and pay in full.
• State Farm policyholders can earn discounts including accident-free, good driver, anti-theft, driver’s education, and student away at school.
• Liberty Mutual includes discounts for safety features, new vehicle discount, newly retired, hybrid vehicle, new graduate, and newly married.
• MetLife may offer discounts for good driver, accident-free, claim-free, good student, multi-policy, defensive driver
• Progressive offers premium reductions for multi-policy, homeowner, multi-vehicle, continuous coverage, online quote discount, and good student.

Double check with all companies you are considering to apply every possible discount. Some of the discounts discussed earlier may not apply to policies in every state. To see a list of insurance companies with the best discounts, click here.

Free insurance quotes

When comparison shopping, there are several ways to compare quotes from many insurance companies in your state. The easiest way to find cheaper 2005 Buick Century rates is to perform an online rate comparison. It is quite easy and can be accomplished by using one of the methods below.

1. The simplest way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This style of form eliminates the need for separate quotation requests for every company. A single form will return quotes instantly.
2. A more difficult way to analyze rates is going to the website of each company to complete a price quote. For instance, let’s assume you want comparison quotes from Farmers, Liberty Mutual and Allstate. You would need to spend time going to each site individually to enter the same coverage data repeatedly, which is not fast way to get rate quotes. For a list of links to insurance companies in your area, click here.
3. The least recommended method to price shop rates is to spend time driving to and from local insurance agencies. The fact that you can get quotes online eliminates the need for an insurance agent unless you want the professional assistance that can only be provided by a licensed insurance agent. Some companies do allow you to price shop online but have your policy serviced through an agent.

It doesn’t matter which method you choose, just ensure you’re using apples-to-apples coverage limits and deductibles on every price quote you get. If the quotes have different data it’s not possible to determine the lowest rate for your Buick Century. Just slight variations in insurance coverages or limits may cause a big price difference. It’s important to know that comparing a large number of companies increases your odds of finding the best price.

When to get professional advice

When it comes to choosing coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions may help you determine if your insurance needs would benefit from an agent’s advice.

• What is covered by UM/UIM coverage?
• Is pleasure use cheaper than using my 2005 Buick Century to commute?
• Is my 2005 Buick Century covered for flood damage?
• Can I afford to pay high deductible claims out of pocket?
• Does coverage extend to a rental car in a foreign country?
• Does my car insurance cover rental cars?
• Can I rate high risk drivers on liability-only vehicles?
• Am I getting all the discounts available?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Specific coverage details

Understanding the coverages of a insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on most insurance policies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for funeral costs, nursing services, X-ray expenses and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Buick Century.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages are similar to your liability insurance amounts.

Liability coverage

This can cover damage that occurs to other’s property or people by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things like legal defense fees, funeral expenses and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as fire damage, damage from flooding and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for collisions

Collision insurance pays for damage to your Century from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, damaging your car on a curb, crashing into a ditch, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also bump up the deductible to bring the cost down.

More comparisons equals lower rates

Budget-conscious 2005 Buick Century insurance can be purchased from both online companies and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance coverage companies may not have rate quotes online and most of the time these smaller companies prefer to sell through local independent agencies.

While you’re price shopping online, never skimp on critical coverages to save a buck or two. There are too many instances where consumers will sacrifice collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage at the best possible price, but do not skimp to save money.

Additional articles

• Tools for Teen Driving Safety (State Farm)
• Help Your Teen Be a Better Driver (State Farm)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Insurance Losses by Make and Model (iihs.org)