Lower Your 2004 Buick Century Car Insurance Quotes

Searching for the cheapest auto insurance rates for your Buick Century? Comparing and finding more affordable coverage rates for auto insurance can be very difficult for beginners to quoting coverage prices online. With so many insurance companies available, it can quickly become a difficult challenge to find cheaper prices.

Quote insurance online

Most companies like Allstate, Geico and Progressive make it easy to get prices for coverage on the web. Getting quotes is possible for anyone because it’s just a matter of typing in the coverage amounts you desire on the page. When the form is submitted, the quote system will order your driving and credit reports and quotes a price.

Being able to quote online makes it simple to compare prices but the time required to go to a lot of sites and fill out multiple forms can be a bit tiresome and repetitive. But it’s very important to have as many quotes as possible in order to get the lowest possible prices on insurance.

There is an easier way to compare rates

The smarter way to lower your rates utilizes a single form that analyzes rates from more than one company. This type of form saves time, helps eliminate reptitive entry, and makes quoting online much easier to do. Once the form is submitted, it is quoted with multiple companies and you can pick any of the quotes returned.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. This process only takes a few minutes and you will know how your current rates stack up.

To find out what other companies charge, click here to open in a new tab and complete the simple form. If you have a policy now, it’s recommended you copy the limits and deductibles exactly as shown on your declarations page. This ensures you will have an apples-to-apples comparison using the same coverage and limits.

Don’t overlook these auto insurance discounts

Car insurance companies don’t always advertise the entire discount list very clearly, so we researched some of the best known and also the lesser-known ways to save on auto insurance. If you do not check that you are getting every discount you qualify for, you are just wasting money.

  • Anti-lock Brake System – Vehicles with anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
  • Home Ownership Discount – Owning a home can save you money because owning a home is proof of financial responsibility.
  • Save over 55 – Seniors may be able to get a small discount on rates on Century coverage.
  • Pay Early and Save – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Professional Memberships – Being in qualifying clubs or civic groups could trigger savings on your bill.
  • Low Mileage Discounts – Driving fewer miles can earn slightly better rates than normal.

Remember that most of the big mark downs will not be given the the whole policy. Most only cut specific coverage prices like collision or personal injury protection. Despite the fact that it seems like all those discounts means the company will pay you, nobody gets a free ride. Any amount of discount will lower the premium cost.

To see auto insurance companies with the best auto insurance discounts, follow this link.

When to get professional advice

When it comes to buying the best car insurance coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine whether you could use an agent’s help.

  • Can I rent a car in Mexico?
  • Do I need to file an SR-22 for a DUI in my state?
  • Why do I need rental car insurance?
  • When should my teen driver be added to my policy?
  • What if I don’t agree with a claim settlement offer?
  • How high should my medical payments coverage be?
  • What is the rate difference between pleasure use and commuting?
  • Should I bundle my homeowners policy with my auto?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

Specific coverages for a 2004 Buick Century

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Buick Century.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Liability – This can cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like medical expenses, pain and suffering, medical services and loss of income. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Collision coverage – This pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a ditch, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for bills for funeral costs, prosthetic devices, hospital visits, chiropractic care and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto coverage – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, rock chips in glass, theft and vandalism. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.