Cheaper 1991 Buick Roadmaster Insurance Rates

Buying the most affordable insurance online can be challenging for consumers not familiar with online price comparisons. With literally dozens of insurers available, how can you have time to compare every insurance company to find the best available price?

It’s a good idea to do rate comparisons quite often because insurance rates go up and down regularly. Just because you had the best deal for Roadmaster coverage two years ago you may be paying too much now. Block out anything you think you know about insurance because you’re going to learn the tricks you need to know to find better rates and still maintain coverage.

This article will tell you how to effectively get price quotes. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Nevertheless, vehicle owners do need to understand the way insurance companies price online insurance.

How to get auto insurance quotes

There are a variety of methods to compare auto insurance prices and some are less labor-intensive and much quicker. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you can utilize the web to get pricing more quickly.

Most car insurance companies participate in an industry program where insurance shoppers submit their information once, and at least one company can provide price quotes determined by their information. This prevents consumers from doing form submissions to each individual auto insurance company.

To submit your quote information now, click here to start a free quote.

The only downside to using this type of form is that consumers can’t choose which carriers to get quotes from. So if you want to choose individual companies to request quotes from, we have assembled a list of low cost auto insurance companies in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but be sure to compare nearly identical coverage data for each price quote. If your comparisons have different values for each quote then you won’t be able to make an equal comparison. Just slight variations in limits could throw off the whole comparison. It’s important to know that comparing a wide range of rates helps increase your odds of locating a lower rate.

You may qualify for discounts

Insurance can be prohibitively expensive, but there could be available discounts that many people don’t even know exist. Many discounts should be triggered when you quote, but a few must be inquired about prior to receiving the credit.

  • Defensive Driver – Completing a driver safety course is a good idea and can lower rates if you qualify.
  • Full Payment Discount – If paying your policy premium upfront rather than spreading payments over time you can avoid the installment charge.
  • Resident Student – Children who are attending college and do not take a car to college may be able to be covered for less.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.

Drivers should understand that most discount credits are not given to your bottom line cost. Most cut individual premiums such as liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way.

The best insurance coverage companies and a partial list of their discounts can be found below.

  • GEICO policyholders can earn discounts including multi-vehicle, anti-lock brakes, emergency military deployment, five-year accident-free, driver training, seat belt use, and multi-policy.
  • Mercury Insurance has savings for accident-free, professional/association, age of vehicle, good driver, low natural disaster claims, location of vehicle, and ease of repair.
  • Farmers Insurance includes discounts for homeowner, alternative fuel, multi-car, mature driver, and teen driver.
  • Auto-Owners Insurance offers premium reductions for group or association, company car, paid in full, student away at school, good student, mature driver, and teen driver.
  • Liberty Mutual offers discounts including newly retired, hybrid vehicle, new move discount, new graduate, multi-car, and exclusive group savings.
  • SAFECO discounts include teen safe driver, drive less, multi-car, accident prevention training, bundle discounts, safe driver, and homeowner.
  • Progressive may have discounts that include homeowner, multi-vehicle, online signing, multi-policy, continuous coverage, online quote discount, and good student.
  • USAA offers discounts for loyalty savings, multi-policy, new vehicle, military installation, good student, and safe driver.

When getting free insurance coverage quotes, it’s a good idea to all the companies how you can save money. Depending on the company, some discounts may not apply to policyholders in your area. To see insurers that offer multiple discounts, click here to view.

How to lower your insurance costs

It’s important that you understand some of the factors that go into determining the rates you pay for insurance coverage. If you have a feel for what controls the rates you pay, this empowers consumers to make smart changes that could result in lower rates.

  • Don’t buy extra coverages that aren’t used – There are quite a few additional extra coverages that you can buy but may not be useful. Insurance for rental car reimbursement, high-cost glass coverage, and motor club memberships are probably not needed. These coverages may sound good when deciding what coverages you need, but if you have no use for them consider taking them off your policy.
  • Youthful driver insurance costs – Mature drivers are viewed as being more responsible, statistically cause fewer accidents , and are generally more financially stable.Drivers with little experience tend to be inattentive in a vehicle therefore insurance coverage rates are much higher.
  • Bump up coverage deductibles to lower rates – Deductibles for physical damage are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. Protection for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of covered claims would be a windshield broken by a bird, damage from fire, or theft of your vehicle. The more damage repair cost you are required to pay out-of-pocket, the less your company will charge you for insurance for Roadmaster coverage.
  • Multiple policies with one company – Some insurance companies will give better rates to customers who carry more than one policy in the form of a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. If you currently are using one company, you may still want to comparison shop to verify if the discount is saving money. You may still be able to save even more by buying insurance from more than one company.
  • Small claims can cost you – If you frequently file small claims, you can look forward to either higher rates or even cancellation. Companies generally give discounts to people who file claims infrequently. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.

There’s no such thing as the perfect insurance coverage policy

When buying coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether you would benefit from an agent’s advice.

  • Am I covered when delivering products for my home-based business?
  • How can I force my company to pay a claim?
  • Is my 1991 Buick Roadmaster covered for smoke damage?
  • Does insurance cover tools stolen from my truck?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when driving a rental car?
  • Does liability extend to a camper or trailer?
  • Can my babysitter drive my car?
  • What is UM/UIM insurance?
  • Why am I required to buy liability insurance?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Do you really save 40% when you switch?

Well-known auto insurance companies like 21st Century, Allstate and State Farm consistently run television and radio advertisements. All the companies advertise the message that you can save if you change to them. How does each company make almost identical claims? This is how they do it.

Companies have strict underwriting profiles for the right customer they prefer to insure. An example of a desirable risk could be over age 30, insures multiple vehicles, and drives less than 10,000 miles a year. Someone that fits those parameters will probably get cheap prices and will most likely cut their rates if they switch.

Drivers who don’t measure up to those standards will probably have to pay higher premiums and this can result in the customer not purchasing. If you pay close attention to the ads, they say “customers who switch” not “everyone who quotes” save that much money. That is how companies can advertise the savings.

Each company has different criteria, so it is so important to compare price quotes frequently. You cannot predict the company that will have the best car insurance rates for your profile.

Car insurance 101

Understanding the coverages of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for collisions

This coverage will pay to fix damage to your Roadmaster resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with another moving vehicle, driving through your garage door, damaging your car on a curb and rolling your car. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability auto insurance

Liability coverage protects you from injuries or damage you cause to people or other property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things such as repair bills for other people’s vehicles, structural damage, legal defense fees, funeral expenses and attorney fees. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Comprehensive coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from getting keyed, hitting a deer, vandalism and rock chips in glass. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Buick Roadmaster.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for bills for dental work, pain medications, funeral costs and surgery. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

More quotes. Lower rates.

We just showed you many ways to save on 1991 Buick Roadmaster insurance. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding cheap insurance coverage. Consumers could even find that the best price on insurance is with an unexpected company.

Budget-friendly insurance can be purchased on the web in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who may not provide price quotes online and these regional insurance providers work with independent agents.

Insureds switch companies for any number of reasons including delays in responding to claim requests, policy cancellation, poor customer service or denial of a claim. No matter why you want to switch, choosing a new insurance company is easier than you think.

Additional information