2005 Buick Century Car Insurance Quotes – 9 Ways to Save

Trying to find cheaper car insurance rates for your Buick Century? Comparing car insurance rates online can seem like an uphill battle if you are a beginner to online price comparisons. But don’t let that discourage you because finding affordable coverage online is easier than you think.

Consumers should take time to get comparison quotes quite often because rates are variable and change quite frequently. If you had the lowest rates for Century coverage last year the chances are good that you can find a lower rate today. So just block out anything you think you know about car insurance because you’re going to get a crash course in how to use online quotes to reduce your cost while increasing coverage.

Finding Auto Insurance Deals

There are several ways to compare quotes from auto insurance companies in your area. One of the best ways to compare 2005 Buick Century insurance prices is to perform an online rate comparison. This can be done in a couple of different ways.

1. One of the simplest ways to find low rates is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating separate quote forms for every auto insurance company. Just one form compares rates from multiple low-cost companies. This is perfect if you don’t have a lot of time.
2. A harder way to compare prices is going to the website for every company you want to comare to request a price quote. For examples sake, we’ll pretend you want to compare Allstate, Geico and Farmers. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

   To view a list of companies in your area, click here.

3. The hardest way to get comparison rates is driving around to and from local insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you have a need for the trained guidance that only a license agent can provide. You can, however, price shop online and get advice from an agent in your area and we’ll talk about that later.

It’s your choice how you get your quotes, but be sure to compare exactly the same coverages on every quote. If you use mixed coverages you can’t possibly make a fair comparison for your Buick Century. Just a small difference in coverages can mean a large discrepancy in price. Just keep in mind that comparing a large number of companies will enable you to find the best rates.

Tailor your coverage to you

When buying adequate coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining if your situation might need professional guidance.

• Am I covered when pulling a rental trailer?
• Should I buy more coverage than the required minimum liability coverage?
• Does my insurance cover my expensive audio equipment?
• How do I file an SR-22 for a DUI in my state?
• Do I need higher collision deductibles?
• Should I rate my 2005 Buick Century as pleasure use or commute?
• Are split liability limits better than a combined single limit?
• Do I really need UM/UIM coverage?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Insurance coverages explained

Understanding the coverages of a insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Collision coverage – This coverage covers damage to your Century from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like driving through your garage door, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability coverage – Liability insurance protects you from damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for things like bail bonds, court costs and structural damage. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2005 Buick Century.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive insurance – This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, damage from getting keyed, fire damage, vandalism and damage from a tornado or hurricane. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical expenses – Med pay and PIP coverage pay for immediate expenses like hospital visits, EMT expenses, surgery and prosthetic devices. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage