2003 Buick Century Insurance Cost

Want lower insurance rates for your Buick Century? Trying to find low-cost insurance for a new or used Buick Century can normally be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to find insurance online and you need to know the proper way to compare rates for a new or used Buick and locate the cheapest rates.

You should make it a habit to get comparison quotes yearly because insurance rates change quite often. Just because you found the lowest rates for Century coverage six months ago a different company probably has better rates today. There is a lot of wrong information about insurance online, so I’m going to show you a lot of great tips on how to slash your insurance rates.

Shopping for affordable auto insurance coverage is quite easy. If you are insured now or are just looking to switch companies, you can follow these tips to find better prices while maintaining coverages. Drivers only need to know the best way to get comparison rates over the internet.

Discounts mean cheaper Buick Century insurance rates

The price of auto insurance can be rather high, but there are discounts available that you may not know about. Some trigger automatically when you get a quote, but less common discounts must be specifically requested prior to getting the savings. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Century coverage than drivers with accidents.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Accident Free – Drivers who don’t have accidents pay much less when compared with drivers who are more careless.
  • Organization Discounts – Belonging to a civic or occupational organization is a good way to get lower rates when buying insurance for Century coverage.
  • Passive Restraint Discount – Factory air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Save over 55 – Older drivers may be able to get reduced rates for Century coverage.

Consumers should know that most discounts do not apply the the whole policy. A few only apply to specific coverage prices like liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way. But all discounts will help reduce the cost of coverage.

A partial list of companies that may offer these money-saving discounts include:

It’s a good idea to ask all companies you are considering what discounts are available to you. Discounts may not apply in your state.

Car Insurance Comparisons

Effectively comparing car insurance prices can be exhausting if you don’t know the easiest way. You can spend countless hours talking to insurance agencies in your area, or you can utilize online quotes to maximize your effort.

Many popular insurance companies participate in an industry program that enables customers to enter their policy data once, and each participating company then returns a price quote based on that information. This eliminates the need for quote forms for each company.

To compare pricing click here to open in new window.

One minor caviat to getting quotes like this is you are unable to specify which providers to get quotes from. So if you prefer to choose specific insurance companies to compare, we put together a list of the cheapest car insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just be sure to compare exactly the same coverage information with each company. If you are comparing different values for each quote you can’t possibly truly determine the lowest rate.

Buick Century rates are complex

It’s important that you understand the different types of things that go into determining the rates you pay for insurance coverage. Having a good understanding of what determines base rates empowers consumers to make smart changes that can help you get lower insurance coverage prices.

  • Extra coverages can waste money – There are many add-on coverages that you can buy on your Century policy. Things like vanishing deductibles, towing coverage and motor club memberships are examples of these. They may seem like a good idea when talking to your agent, but if you don’t need them remove them from your policy.
  • Rural vs Urban Areas – Being located in small towns and rural areas can be a good thing when it comes to insurance coverage. Drivers in populated areas tend to have much more traffic and longer commute times. Less people living in that area means a lower chance of having an accident and a lower car theft rate.
  • High credit ratings translate to low rates – Credit score is a important factor in your rate calculation. So if your credit score is lower than you’d like, you could pay less to insure your 2003 Buick Century by improving your rating. Consumers who have high credit scores tend to be less risk to insure than those with poor credit.
  • Pleasure use saves money – The more miles you rack up on your Buick each year the higher your rate. Almost all companies charge to insure your cars determined by how the vehicle is used. Cars that are left in the garage can get a lower rate than vehicles that are driven to work every day. Verify your insurance coverage policy is showing how each vehicle is driven, because it can save money. If your policy improperly rates your Century can cost quite a bit.
  • Having a spouse can save you money – Having a wife or husband helps lower the price on your policy. Having a spouse usually means you are more responsible it has been statistically shown that being married results in fewer claims.
  • Do you know your deductibles? – Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your Buick from damage. Some instances where coverage would apply are a windshield shattered by a rock, damage from fire, and windstorm damage. Your deductibles are the amount of money you are willing to pay in the event of a claim. The more money you are required to pay out-of-pocket, the less your insurance coverage will be for Century coverage.
  • Liability coverage is peace of mind – Your policy’s liability coverage provides coverage in the event that you are found to be at fault for damages caused by your negligence. Liability insurance provides you with a defense in court starting from day one. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • Small claims can cost you – If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Companies provide discounts to people who do not file claims often. Auto insurance is meant to be used in the event of larger claims.

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different.

These are some specific questions can aid in determining whether you could use an agent’s help.

  • How high should my uninsured/underinsured coverage be in my state?
  • How do I buy GAP insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my teen driver covered when they drive my company car?
  • What is the minimum liability in my state?
  • Is my teenager covered with friends in the car?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I better off with higher deductibles on my 2003 Buick Century?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Car insurance coverage basics

Having a good grasp of a car insurance policy can help you determine the best coverages for your vehicles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability insurance

Liability coverage can cover injuries or damage you cause to other people or property. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as legal defense fees, court costs and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for pain medications, prosthetic devices and doctor visits. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive protection

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, hitting a deer, vandalism, rock chips in glass and hitting a bird. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

This covers damage to your Century resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like driving through your garage door, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Buick Century.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

A fool and his money are soon parted

People change insurance companies for a variety of reasons including policy non-renewal, lack of trust in their agent, delays in paying claims and even denial of a claim. It doesn’t matter what your reason, finding a new company is pretty easy and you might even save some money in the process.

While you’re price shopping online, never reduce coverage to reduce premium. Too many times, drivers have reduced uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at the best price, not the least amount of coverage.

Low-cost 2003 Buick Century insurance is available from both online companies and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. Some companies may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

Even more information can be found by following these links: