2004 Buick Century Insurance Quotes

Looking for the cheapest auto insurance rates for your Buick Century? Comparison shopping for auto insurance is always challenging for beginners to shopping for insurance online. Drivers have so many options that it can turn into a lot of work to find lower rates.

Shopping for affordable insurance coverage coverage is not that difficult. In a nutshell, every vehicle owner who shops for insurance coverage will be able to lower their premiums. Nevertheless, car owners can benefit from knowing the methods companies use to price online insurance and take advantage of how the system works.

Automobile Insurance Quotes

Comparing auto insurance rates can take time and effort if you don’t understand the most efficient way. You could waste a few hours talking to local insurance agents in your area, or you could save time and use the internet to maximize your effort.

Most of the best insurance companies belong to an insurance system where prospective buyers submit one quote, and every company then gives them pricing based on that data. This system prevents you from having to do repetitive form submissions to every company. To submit your quote information now, click here (opens in new window).

One minor caviat to comparing rates this way is you can’t choose which companies to receive prices from. So if you prefer to choose from a list of companies to compare, we have a page of companies who write auto insurance in your area. View list of insurance companies.

Which method you use is up to you, but double check that you are using apples-to-apples quote information with each company. If you are comparing differing limits it will be next to impossible to determine the lowest rate for your Buick Century. Quoting even small variations in coverages could mean much higher rates. It’s important to know that comparing a large number of companies will increase your chances of finding a better price.

You may need specialized coverage

When it comes to buying adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining if your insurance needs will benefit from professional help.

  • When can I cancel my policy?
  • Can I afford to buy a different vehicle if my 2004 Buick Century is totaled?
  • What is the rate difference between pleasure use and commuting?
  • Is there coverage for injuries to my pets?
  • Are all vehicle passengers covered by medical payments coverage?
  • Should I drop comprehensive coverage on older vehicles?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverages

Learning about specific coverages of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Collision protection

This coverage pays for damage to your Century caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like damaging your car on a curb, crashing into a ditch, rolling your car, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like rock chips in glass, damage from a tornado or hurricane, a broken windshield and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for bills for surgery, nursing services and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2004 Buick Century.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Liability insurance

This will cover damage that occurs to other people or property. This insurance protects YOU against claims from other people. It does not 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. Your policy might show liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like structural damage, medical services, pain and suffering and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy as much as you can afford.