2004 Buick Century Insurance Quotes

Consumers have many options when looking for affordable Buick Century insurance. They can either waste time driving around trying to get quotes or utilize the internet to compare rates.

There are more efficient ways to shop for auto insurance so you’re going to learn the absolute fastest way to price shop coverage on a Buick and obtain the best price possible from both online companies and local agents.

Buick Century insurance premiums are calculated by many factors

Consumers need to have an understanding of the different types of things that go into determining the rates you pay for auto insurance. Having a good understanding of what determines base rates helps enable you to make changes that may reward you with big savings.

Listed below are some of the items that factor into rates.

  • High numbers of claims are not good – If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance companies give cheaper rates to policyholders who do not file claims often. Auto insurance is intended for the large, substantial claims.
  • Bump up deductibles to save – Physical damage deductibles represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, also known as collision and other-than-collision, protects your car from damage. Examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. The more expense you’re willing to pay, the lower your rates will be on Century coverage.
  • Traffic citations inflate rates – Just one citation can bump up the cost by as much as thirty percent. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Drivers who have flagrant citations like DUI or reckless driving may need to file a SR-22 with the DMV in their state in order to keep their license.
  • Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
  • How credit affects auto insurance rates – Your credit rating is a large factor in determining what you pay for auto insurance. Drivers with good credit tend to file fewer claims and have better driving records than those with poor credit. Therefore, if your credit history can use some improvement, you could be paying less to insure your 2004 Buick Century by improving your credit score.
  • Pay less after the wedding – Having a wife or husband can get you a discount when buying auto insurance. Having a significant other means you’re more mature and responsible it has been statistically shown that drivers who are married are more cautious.
  • How many coverages with the same company – The majority of companies will award you with lower prices to customers who have multiple policies with them. It’s known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. If you currently are using one company, you may still want to shop around to verify if the discount is saving money. Consumers may find better rates by buying auto insurance from a different company.
  • Don’t skimp on liability – Liability coverage will protect you when you are found to be at fault for personal injury or accident damage. It will provide you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be applied at the time of quoting, but a few need to be requested specifically prior to receiving the credit. If you’re not getting every credit available, you’re paying more than you need to.

  • Senior Discount – Older drivers may qualify for a discount up to 10% on Century coverage.
  • Good Student – A discount for being a good student can save 20 to 25%. The good student discount can last well after school through age 25.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • New Car Discount – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • Discount for Life Insurance – Larger companies have a discount if you purchase life insurance.
  • Defensive Driver – Completing a defensive driving course could save 5% or more and easily recoup the cost of the course.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Most only cut specific coverage prices like liability and collision coverage. So even though they make it sound like you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will help reduce your premiums.

Insurance companies that may have these benefits are:

Check with every prospective company which discounts you may be entitled to. Some discounts might not be offered everywhere.

Can you really save that much by switching?

Drivers can’t ignore all the ads that promise big savings by companies like State Farm and Allstate. All the companies have a common claim about savings if you switch to them.

But how can every company say the same thing?

All companies have a certain “appetite” for the right customer that makes them money. For example, a driver they prefer might be between the ages of 40 and 55, insures multiple vehicles, and has a short commute. A driver who matches those parameters will qualify for the lowest rates and therefore will save a lot of money.

Potential customers who don’t meet the requirements will have to pay a higher premium and ends up with the customer not buying. The ads say “customers that switch” not “everybody who quotes” save that kind of money. This is how insurance companies can confidently make those claims.

Because of the profiling, you need to compare as many rates as you can. You cannot predict the company that will give you the biggest savings on Buick Century insurance.

Tailor your coverage to you

When choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different.

These are some specific questions may help you determine whether your personal situation might need professional guidance.

  • When should I not file a claim?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I really need UM/UIM coverage?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need PIP coverage since I have good health insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • Are rental cars covered under my policy?
  • Do I need replacement cost coverage?
  • Can I afford to buy a different vehicle if my 2004 Buick Century is totaled?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can help protect your family.

Parts of your insurance policy

Learning about specific coverages of insurance can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Insurance for medical payments – Med pay and PIP coverage kick in for expenses for doctor visits, chiropractic care, hospital visits and EMT expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as theft, hail damage, a tree branch falling on your vehicle, damage from flooding and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance – Liability coverage provides protection from damage or injury you incur to a person or their property in an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like emergency aid, court costs, structural damage and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Buick Century.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage – This pays for damage to your Century from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like scraping a guard rail, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Shop smart and save

Affordable 2004 Buick Century insurance can be bought online as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. Some car insurance companies don’t offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

Insureds change insurance companies for any number of reasons including extreme rates for teen drivers, poor customer service, denial of a claim and being labeled a high risk driver. It doesn’t matter why you want to switch finding the right car insurance provider can be pretty painless.

As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. There have been many cases where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at an affordable rate.

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