How Much Does 2004 Buick Century Insurance Cost?

Sick and tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as many other drivers. Numerous auto insurance companies battle for your hard-earned dollar, so it’s not easy to compare every insurer to discover the definitive best price available.

You need to compare prices once or twice a year due to the fact that insurance rates change frequently. Even if you got the lowest price for Century coverage a year ago you may be paying too much now. Ignore everything you know about insurance coverage because you’re about to learn the things you must know in order to find the best coverage while lowering your premiums.

If you have a current insurance policy or need a new policy, you can use these techniques to shop for the lowest rates and possibly find even better coverage. Finding the best rates is quite easy. Vehicle owners only need to know the most efficient way to find the lowest price online.

The easiest way to compare rate quotes is to know most of the bigger providers will pay a fee to provide you with free rate quotes. All you need to do is provide information like if a SR-22 is needed, if you have a valid license, the make and model of your vehicles, and your job. The data is sent automatically to multiple companies and you should receive rate quotes very quickly.

There’s no such thing as the perfect policy

When choosing the best auto insurance coverage for your personal vehicles, there is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. For example, these questions can aid in determining whether your personal situation will benefit from professional help.

  • Can I drive in Mexico and have coverage?
  • Am I covered if I wreck a rental car?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I carry comprehensive and collision coverage?
  • Am I covered if hit by an uninsured driver?
  • When would I need rental car insurance?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.

Insurance coverage specifics

Learning about specific coverages of insurance aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages offered by insurance companies.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a ditch, rolling your car, backing into a parked car, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Buick Century.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages are set the same as your liablity limits.

Liability auto insurance

This protects you from damages or injuries you inflict on people or other property. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as court costs, bail bonds, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, damage from getting keyed, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like EMT expenses, chiropractic care, nursing services and dental work. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay