Save on 1991 Buick Roadmaster Insurance Rates

Expensive car insurance can take a big chunk out of your checking account and force you to make sacrifices. Comparing price quotes is a smart way to reduce premiums and put more money in your pocket. Numerous car insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute lowest rate

If you have insurance now or are looking for a new policy, you can follow these tips to get lower rates while maximizing coverage. Finding affordable coverage is quite easy. Vehicle owners just need to know the tricks to buy insurance online.

How to Compare Insurance

Shopping for lower insurance rates can be a daunting task if you aren’t aware of the fastest way to get free quotes. You can spend your afternoon driving to agents in your area, or you can stay home and use online quoting to maximize your effort.

All the larger companies belong to an insurance system that allows shoppers to submit their information once, and every company then returns a price quote based on that data. This eliminates the need for quote forms for every insurance company.

To find out what other companies charge for 1991 Buick Roadmaster insurance click to open in new window.

The one downside to comparing rates this way is you are unable to specify which providers you will receive quotes from. If you would rather choose individual companies to compare prices, we have a page of companies who write insurance in your area. Click here for list of insurance companies.

However you get your quotes, make darn sure you compare apples-to-apples coverages on every quote. If the quotes have mixed coverages you will not be able to truly determine the lowest rate.

Be sure to get all your discounts

Companies that sell car insurance don’t always advertise all available discounts very clearly, so we researched both well-publicized and the harder-to-find ways to save on insurance coverage. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

College Student – Children who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
Senior Citizens – If you qualify as a senior citizen, you may be able to get reduced rates on Roadmaster coverage.
Life Insurance Discount – Some companies give better rates if you take out auto and life insurance together.
Safe Driver Discount – Safe drivers may receive a discount up to 45% less on Roadmaster coverage than their less cautious counterparts.
No Claims – Drivers who don’t have accidents pay much less when compared with accident-prone drivers.
Homeowners Pay Less – Owning a home may trigger a insurance coverage policy discount due to the fact that maintaining a home shows financial diligence.
Multi-policy Discount – If you have multiple policies with one company you will save up to 20% off your total premium.
Sign Early and Save – Select companies give a discount for signing up before your current expiration date. It can save you around 10%.

It’s important to understand that most credits do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you can get free auto insurance, insurance coverage companies aren’t that generous.

For a list of insurers offering insurance coverage discounts, click here to view.

How do I know if I need professional advice?

When buying the best insurance coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that may help highlight whether your personal situation might need an agent’s assistance.

How does medical payments coverage work?
Can I afford to pay high deductible claims out of pocket?
Is pleasure use cheaper than using my 1991 Buick Roadmaster to commute?
How many claims can I have before being cancelled?
Can my babysitter drive my car?
How much can I save by bundling my policies?
Where can I get insurance after a DUI in my state?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverages 101

Learning about specific coverages of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages offered by auto insurance companies.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as falling objects, damage from a tornado or hurricane and theft. The most your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

This will pay to fix damage to your Roadmaster resulting from colliding 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 pays for claims such as damaging your car on a curb, colliding with a tree, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Liability auto insurance

This coverage protects you from damages or injuries you inflict on other’s property or people. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as medical services, legal defense fees, court costs, bail bonds and emergency aid. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Buick Roadmaster.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Coverage for medical payments

Med pay and PIP coverage pay for immediate expenses like pain medications, nursing services, hospital visits and dental work. They can be used in conjunction with a health insurance program or if you do not have health coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible