1996 Buick Roadmaster Car Insurance Quotes – 8 Tips for Cheaper Rates

Looking for the cheapest auto insurance rates for your Buick Roadmaster? Are you burned out from scraping the payment together each month for auto insurance? You are no different than many other consumers.

Consumers have multiple insurance companies to insure vehicles with, and even though it’s nice to have a choice, it can be more difficult to find the best rates.

It’s a good habit to quote other rates every six months because rates tend to go up over time. Just because you found the best rate on Roadmaster insurance on your last policy you can probably find a lower rate today. Forget all the misinformation about auto insurance because it’s time to teach you the best way to find better rates and still maintain coverage.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. But drivers do need to understand how insurance companies market on the web.

Compare insurance rates

There are several ways you can shop for insurance and some are less time-consuming than others. You could waste a few hours talking about coverages with insurance companies in your area, or you could save time and use the web for quick rates.

Most car insurance companies belong to a marketplace where prospective buyers enter their policy data once, and every company can give them a price based on the submitted data. This saves time by eliminating repetitive form submissions for every insurance company.

To access this free quoting program, click here (opens in new window).

The only downside to getting quotes like this is buyers cannot specifically choose which carriers to receive prices from. If you would rather choose individual companies to compare, we put together a list of companies who write insurance in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but be sure you’re using exactly the same quote information on every price quote you get. If the quotes have unequal deductibles or liability limits it will be very difficult to decipher which rate is best. Having just a slight variation in insurance coverages or limits can mean a large discrepancy in price. And when comparison shopping, more quotes provides better odds of finding lower pricing. Not every company provides quotes online, so it’s important to compare rates on coverage from those companies, too.

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

When buying proper insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different so your insurance should reflect that For example, these questions could help you determine whether your personal situation would benefit from professional advice.

  • Should I have a commercial auto policy?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is extra glass coverage worth it?
  • Who is covered when they drive my 1996 Buick Roadmaster?
  • Are my tools covered if they get stolen from my vehicle?
  • Will my rates increase for filing one claim?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverage information

Knowing the specifics of your insurance policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types offered by insurance companies.

Liability

This coverage will cover injuries or damage you cause to people or other property that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three 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 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for claims such as pain and suffering, legal defense fees and structural damage. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for immediate expenses for things like rehabilitation expenses, dental work, EMT expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, hail damage, a tree branch falling on your vehicle, fire damage and hitting a bird. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage

This will pay to fix damage to your Roadmaster from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like driving through your garage door, rolling your car, colliding with a tree, hitting a mailbox and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.