How Much Does 2005 Buick Century Car Insurance Cost?

Searching for the cheapest insurance rates for your Buick Century? Sick and tired of scraping the payment together to buy car insurance? You are no different than many other consumers.

You have so many insurance companies to insure vehicles with, and although it’s a good thing to have a choice, too many choices makes it more difficult to compare rates and cut insurance costs.

It’s a great practice to shop coverage around before your policy renews because insurance rates trend upward over time. Even if you got the best price for Century insurance a few years ago a different company probably has better rates today. Block out anything you think you know about insurance because we’re going to demonstrate how to quote online to buy cheaper insurance.

Pieces of the Buick Century insurance rate puzzle

It’s important that you understand the rating factors that go into determining the price you pay for insurance. Knowing what influences your rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • Special features that cut premiums – Choosing a vehicle with an alarm system can save you a little every year. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
  • Liability coverage is peace of mind – Your policy’s liability coverage is the protection if ever you are found to be at fault for causing damage or personal injury in an accident. Liability provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
  • Mature drivers pay less – Older drivers are more responsible, file fewer claims and get fewer tickets. Teenage drivers tend to get distracted easily behind the wheel therefore insurance rates are much higher.
  • Don’t let your coverage lapse – Driving without insurance is against the law and you will pay a penalty because you let your insurance expire. And not only will your rates increase, but being ticketed for driving with no insurance will get you a revoked license or a big fine.You may need to prove you have insurance by filing a SR-22 with your state DMV.
  • Poor driving leads to higher costs – Even a single speeding ticket can boost insurance rates by twenty percent. Careful drivers get better rates compared to drivers with tickets. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
  • Safer occupants lowers premiums – Cars with high safety ratings tend to have better insurance rates. These vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders. If your Buick Century has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Better credit scores mean better rates – Credit score is a huge factor in calculating your insurance rates. Drivers who have good credit tend to be better drivers and file fewer claims than drivers who have lower ratings. So if your credit is low, you could save money insuring your 2005 Buick Century by spending a little time repairing your credit.

Discounts are great for lower rates

Auto insurance companies don’t always publicize all their discounts in a way that’s easy to find, so here is a list both well-publicized and the more hidden ways to save on insurance.

  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less for Century insurance than drivers with accident claims.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off for Century insurance with select insurance companies.
  • Auto/Life Discount – Some companies give better rates if you take out auto and life insurance together.
  • Save with a New Car – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • Memberships – Belonging to a professional or civic organization could qualify you for a break when shopping for insurance for Century insurance.

A little note about advertised discounts, most discounts do not apply the the whole policy. A few only apply to the cost of specific coverages such as medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, you’re out of luck.

Car insurance companies that possibly offer these money-saving discounts may include but are not limited to:

Check with each company what discounts are available to you. Discounts might not be offered in your area.

You may need specialized coverage

When choosing proper insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your situation might need professional guidance.

  • How do I file an SR-22 for a DUI in my state?
  • How do I buy GAP insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I insured when driving a different vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered if I wreck a rental car?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverage specifics

Understanding the coverages of a auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages available from auto insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Buick Century.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Liability – This coverage protects you from damage or injury you incur to people or other property. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like bail bonds, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision) – This covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, rock chips in glass, damage from a tornado or hurricane, damage from flooding and damage from getting keyed. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for prosthetic devices, rehabilitation expenses and pain medications. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Collision coverages – This pays for damage to your Century resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with another moving vehicle, hitting a parking meter, colliding with a tree, rolling your car and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

The bottom line

In this article, we covered many ideas to compare 2005 Buick Century insurance prices online. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. You may even discover the lowest rates come from an unexpected company. Some small companies may have significantly lower rates on certain market segments compared to the large companies like State Farm, GEICO and Nationwide.

While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. There are many occasions where an insured cut liability coverage limits only to regret at claim time that it was a big error on their part. The proper strategy is to purchase a proper amount of coverage at the best price while still protecting your assets.

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