1993 Buick Roadmaster Insurance Cost – 5 Tricks for Best Prices

Paying cheaper rates for insurance can be very difficult for drivers who are new to online rate comparisons. With a ridiculous number of online companies available, it can quickly become a big hassle to compare rates.

It’s a good habit to shop coverage around before your next renewal because prices are rarely the same from one policy term to another. Even if you think you had the best price on Roadmaster insurance six months ago a different company probably has better rates today. Forget all the misinformation about insurance because you’re about to find out how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.

How to buy auto insurance online

To get the cheapest car insurance quotes, there a variety of ways to obtain and compare prices from auto insurance companies in your area. The simplest method to find the lowest 1993 Buick Roadmaster rates is simply to get online rate quotes. It is quite easy and can be accomplished in several different ways.

  1. The most efficient method to find low rates is a comparison rater form click here to open form in new window. This easy form saves time by eliminating repetitive form submissions for every prospective company. One quote request gets insurance cost estimates from several companies. Recommended for those who want to invest the least amount of time.
  2. A less efficient way to analyze rates requires you to visit the website of each company and complete a new quote form. For instance, we’ll assume you want comparison quotes from USAA, Liberty Mutual and Farmers. To get each rate you have to spend time on each company’s site to enter the same coverage data repeatedly, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The least efficient method to compare price quotes is physically going to and from local insurance agencies. The internet eliminates the middleman unless you want the extra assistance of a licensed agent. Drivers can comparison shop your insurance online but purchase the actual policy in an agency.

It’s your choice how you get your quotes, but make absolute certain that you use identical coverages and limits on every price quote you get. If the quotes have different deductibles it’s impossible to decipher which rate is best. Even a minor difference in insurance coverages or limits could throw off the whole comparison. It’s important to know that comparing all the rates in your area gives you a better chance of getting a lower rate than you’re paying now.

Can switching companies really save?

Companies like State Farm, GEICO and Progressive regularly use television and radio advertisements. All the ads advertise claims about saving some big amount if you switch to their company. It sounds good, but how can they all charge less that you’re paying now? You have to listen carefully.

Auto insurance companies give the cheapest rates for the type of driver that will add to their bottom line. A good example of a profitable risk profile could possibly be over the age of 50, insures multiple vehicles, and has excellent credit. Any customer that matches those criteria is entitled to the best price and is almost guaranteed to save quite a bit of money when switching.

People who are not a match for these standards must pay higher premiums with the end result being business not being written. The trick is to say “drivers that switch” not “everyone who quotes” will save that much if they switch. That’s why companies can state the savings.

Because of this risk profiling, you really should get a wide range of price quotes. You cannot predict which company will fit your personal profile best.

Five discounts for cheap insurance coverage quotes

Companies that sell car insurance don’t list all available discounts very clearly, so below is a list some of the more common in addition to some of the lesser obvious credits that you can use to lower your rates. If you aren’t receiving every discount available, you’re paying more than you need to.

  • No Charge for an Accident – This isn’t a discount exactly, but a few companies such as State Farm and GEICO will forgive one accident without the usual rate increase as long as you don’t have any claims before the accident.
  • Sign Online – Certain companies will give a small break shop car insurance online.
  • Government Employees – Simply working for the federal government could qualify for a slight premium decrease on Roadmaster insurance with some insurance coverage companies.
  • Accident Free – Drivers with accident-free driving histories are rewarded with significantly better rates on car insurance quote as compared to frequent claim filers.
  • Discount for Passive Restraints – Factory options such as air bags or automatic seat belts could see savings of more than 20%.

You can save money using discounts, but some credits don’t apply to the overall cost of the policy. Most only reduce individual premiums such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way.

A partial list of companies who might offer most of the discounts above include:

Double check with every insurance company how many discounts you can get. Discounts may not apply in your area.

You may need specialized auto insurance coverage

When buying the best auto insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different.

These are some specific questions might point out whether your personal situation might need an agent’s assistance.

  • Should I waive the damage coverage when renting a car?
  • What happens if I owe more than my 1993 Buick Roadmaster is worth?
  • Does liability extend to a camper or trailer?
  • How can I get my company to pay me more for my totalled car?
  • Am I covered when pulling a rental trailer?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I really need UM/UIM coverage?
  • Does my 1993 Buick Roadmaster qualify for pleasure use?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form.

Auto insurance coverage information

Understanding the coverages of a car insurance policy can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be confusing and nobody wants to actually read their policy.

Liability insurance

Liability insurance protects you from injuries or damage you cause to other’s property or people. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like medical services, pain and suffering, repair costs for stationary objects, loss of income and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as X-ray expenses, EMT expenses and doctor visits. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Buick Roadmaster.

Since a lot of drivers have only the minimum liability required by law, 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. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive protection

This pays to fix your vehicle from 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 such as falling objects, a broken windshield, hitting a deer, damage from a tornado or hurricane and hitting a bird. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto collision coverage

Collision coverage covers damage to your Roadmaster resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as colliding with another moving vehicle, driving through your garage door, crashing into a building, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Spend less. Save more.

There are still a few companies who may not provide rate quotes online and most of the time these smaller providers work with local independent agencies. Budget-conscious 1993 Buick Roadmaster insurance can be found on the web as well as from insurance agents, and you should compare price quotes from both to get a complete price analysis.

Throughout this article, we presented many ways to save on 1993 Buick Roadmaster insurance. The key thing to remember is the more companies you get car insurance rates for, the higher your chance of finding cheap car insurance. You may even find the lowest rates are with a small mutual company.

As you restructure your insurance plan, don’t be tempted to buy poor coverage just to save money. There have been many situations where consumers will sacrifice full coverage only to regret that the savings was not a smart move. Your goal is to get the best coverage possible at an affordable rate.

Additional detailed information can be read in these articles: