1995 Buick Roadmaster Insurance Quotes – 6 Ideas for Best Rates

Buyers have lots of choices when searching for affordable Buick Roadmaster insurance. They can either waste time driving around getting price quotes or save time using the internet to make rate comparisons. There are more efficient ways to compare auto insurance rates so we’re going to tell you the absolute fastest way to get price quotes for a new or used Buick and locate the best price possible from both online companies and local agents.

It’s important to check auto insurance prices occasionally since rates fluctuate regularly. If you had the best price on Roadmaster insurance six months ago there may be better deals available now. So just forget anything you know (or think you know) about auto insurance because you’re about to learn one of the best ways to remove unneeded coverages and save money.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these methods. Drivers only need to know the best way to get comparison rates online.

How to Compare Insurance Costs

Getting a cheaper price on 1995 Buick Roadmaster insurance can be surprisingly simple. You just have to take a couple of minutes comparing rates online from several insurance companies. This can be done in just a few minutes using one of these methods.

  • One of the best ways to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This form keeps you from doing repetitive form entry to each individual insurance company. One form gets you coverage quotes from several companies.It’s the quickest way to get rates.
  • A different way to find lower rates consists of going to the website for every company you want to comare and complete a new quote form. For sake of this example, let’s say you want to compare USAA, Allstate and Liberty Mutual. You would have to spend time on each company’s site and enter your information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  • The hardest way to get comparison rates is driving to insurance agents’ offices. The ability to buy insurance online makes this process obsolete unless you want the professional advice only provided by licensed agents. However, consumers can compare the best prices online and get advice from an agent in your area and we’ll cover that in a bit.

However you get your quotes, compare exactly the same coverages for each price quote. If the quotes have different deductibles it’s impossible to make a fair comparison for your Buick Roadmaster.

Discounts are basically free money

Auto insurance companies don’t always list all their discounts very well, so we took the time to find both well-publicized and also the lesser-known savings tricks you should be using. If you don’t get every credit you deserve, you are throwing money away.

  • Passive Restraint Discount – Factory air bags or motorized seat belts can receive discounts up to 30%.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • No Claims – Drivers who don’t have accidents pay much less when compared to accident-prone drivers.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Auto/Home Discount – When you have multiple policies with the same insurance company you may earn at least 10% off all policies.

Consumers should know that most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as comp or med pay. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way.

To see a list of companies with discount insurance coverage rates, click here to view.

Which insurance is the “right” coverage?

When it comes to choosing the best auto insurance coverage, there is no perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining whether or not you might need professional guidance.

  • Am I covered if hit by an uninsured driver?
  • Why do I need rental car insurance?
  • Will my insurance pay for OEM parts?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How many claims can I have before being cancelled?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover my expensive audio equipment?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Auto insurance specifics

Learning about specific coverages of a auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Auto liability insurance

Liability insurance will cover injuries or damage you cause to other’s property or people in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as loss of income, funeral expenses, bail bonds and structural damage. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Comprehensive auto coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, hail damage, rock chips in glass and fire damage. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Buick Roadmaster.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Collision insurance

Collision insurance covers damage to your Roadmaster resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a mailbox, colliding with another moving vehicle, driving through your garage door, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as prosthetic devices, ambulance fees and doctor visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

You can do this!

Cost effective 1995 Buick Roadmaster insurance can be bought online as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers don’t offer online quoting and most of the time these small insurance companies sell through independent agents.

When trying to cut insurance costs, never sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.

In this article, we presented a lot of information how to lower your insurance rates. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the most savings is with some of the lesser-known companies.

To learn more, feel free to browse the resources below: