1994 Buick Roadmaster Car Insurance Quotes – 6 Ways to Save

I can’t think of a single person who fancies paying their premiums for car insurance, especially when they know they could lower their rates if they shopped around.

There are many car insurance companies to choose from, and even though it’s nice to have a choice, it makes it harder to compare rates and find the lowest cost car insurance.

Finding affordable coverage is quite easy. Just about everyone who is shopping for auto insurance will be able to lower their premiums. Although vehicle owners do need to learn how insurance companies determine prices and apply this information to your search.

Compare free insurance coverage quotes

Performing a rate comparison can be a lot of work if you don’t understand the easiest way. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you can stay home and use the internet for quick rates.

Most of the larger companies take part in a program that enables customers to complete one form, and at least one company provides a quote based on that data. This system prevents you from having to do quote forms to each individual insurance coverage company.

To find out what other companies charge click here to open in new window.

The one downside to getting quotes like this is that consumers can’t choose which insurance companies to receive prices from. So if you prefer to pick from a list of companies for rate comparison, we put together a list of companies who write insurance coverage in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but make absolute certain that you use the exact same coverage limits and deductibles on every price quote you get. If you use different liability limits you will not be able to determine which rate is truly the best. Having just a slight variation in insurance coverages can make a big difference in price. It’s important to know that comparing more rates from different companies will increase your chances of finding a better price. Not every company allows you to get quotes online, so you also need to get price estimates on coverage from those companies, too.

Drivers who switch save $402 a year? Really?

Car insurance providers like State Farm, GEICO and Progressive consistently run ads in print and on television. All the ads try to convey promises about saving some big amount if you switch to them. How is it possible that every company can make almost identical claims?

All the different companies have underwriting criteria for the right customer that will most likely be profitable. A good example of this type of driver might be described as a mature driver, has other policies, and drives a safe vehicle. A customer getting a price quote that meets those criteria is entitled to the best price and is almost guaranteed to cut their rates if they switch.

Drivers who don’t qualify for these criteria will probably have to pay higher prices which leads to business not being written. If you listen to the ad wording, they say “customers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That is how companies can truthfully make the claims of big savings. Because of this risk profiling, it is so important to quote coverage with many companies. Because you never know which company will give you lower prices than your current company.

Insurance discounts help reduce rates

Auto insurance companies don’t necessarily list every policy discount in an easy-to-find place, so we break down a few of the more well known and the harder-to-find credits available to you.

  • Waiver for an Accident – Not a discount per se, but companies like State Farm and Progressive will allow you to have one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Discount for Home Ownership – Owning your own home or condo may earn you a small savings since owning and maintaining a home requires personal responsibility.
  • Data Collection Discounts – Drivers that enable their insurance company to look at their driving habits through the use of a telematics system such as Progressive’s Snapshot may see discounts if they show good driving skills.
  • College Student Discount – College-age children living away from home attending college and do not have a car can be insured at a reduced rate.
  • Employee of Federal Government – Active or retired federal employment could provide a small rate reduction for Roadmaster insurance depending on your insurance provider.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class if it’s offered in school.

As a sidenote, most discounts do not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you can get free auto insurance, companies don’t profit that way. But all discounts should help lower your policy premium.

Car insurance companies that may have some of the discounts shown above include:

If you need lower rates, check with every company which discounts you may be entitled to. Savings may not apply to policyholders in your state.

Which is the best insurance coverage?

When it comes to choosing the right insurance coverage, there is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that can help discover if your insurance needs would benefit from an agent’s advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • If my 1994 Buick Roadmaster is totaled, can I afford another vehicle?
  • Am I getting all the discounts available?
  • When can I cancel my policy?
  • Do I have coverage if my license is suspended?
  • Is my 1994 Buick Roadmaster covered for flood damage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area.

Coverages available on your policy

Learning about specific coverages of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Listed below are the usual coverages found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 1994 Buick Roadmaster.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers 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 things such as rock chips in glass, damage from flooding and hail damage. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverages – This protects you from injuries or damage you cause to other people or property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as loss of income, legal defense fees, medical services, attorney fees and court costs. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Collision coverage – This covers damage to your Roadmaster caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as driving through your garage door, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as dental work, nursing services, rehabilitation expenses and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Save for a rainy day

When shopping online for insurance, make sure you don’t sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped physical damage coverage and discovered at claim time that the small savings ended up costing them much more. The aim is to buy a smart amount of coverage for the lowest price, but do not sacrifice coverage to save money.

We covered a lot of ways to get a better price on 1994 Buick Roadmaster insurance. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. You may be surprised to find that the best prices are with the smaller companies. They may only write in your state and offer lower rates compared to the large companies like State Farm or Progressive.

Much more information about insurance can be found below: