View 1991 Buick Roadmaster Car Insurance Rates

Trying to find the cheapest auto insurance rates for your Buick Roadmaster? Are you sick and tired of not being able to afford to buy car insurance? Your situation is no different than many other drivers. You have so many auto insurance companies to buy insurance from, and though it is a good thing to have a selection, too many choices makes it more difficult to compare company pricing.

This information will teach you the best way to quote coverages. If you currently have car insurance, you will most likely be able to save some money using these techniques. Consumers just need to learn the most effective way to compare prices online.

Your Buick Roadmaster insurance rate is a complex equation

An important part of buying insurance is that you know the different types of things that help determine the rates you pay for insurance. Having a good understanding of what influences your rates helps enable you to make changes that can help you get better insurance rates.

The following are some of the factors that factor into your rates.

  • A lapse in coverage is a bad thing – Driving your car without having proper coverage is against the law and you will pay a penalty because you let your coverage lapse. And not only will your rates increase, failure to provide proof of insurance will get you a steep fine or even jail time.
  • Rates may be lower depending on your job – Did you know your job can affect your rates? Occupations like real estate brokers, executives and dentists tend to pay the highest average rates in part from high stress levels and long work hours. Other occupations such as actors, historians and homemakers have the lowest average rates for Roadmaster coverage.
  • Cautious drivers pay less – Your driving citation history has a huge affect on how much you pay. Careful drivers get better rates compared to drivers with tickets. Even a single ticket can boost insurance rates forty percent or more. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Your location affects your rates – Residing in a small town is a positive aspect when it comes to insurance. City drivers regularly have more traffic problems and a longer drive to work. Lower population means a lower chance of having an accident and a lower car theft rate.
  • High credit ratings translate to low rates – A driver’s credit history is a big factor in determining what you pay for insurance. If your credit score is not that good, you could be paying less to insure your 1991 Buick Roadmaster by repairing your credit. Consumers who have good credit tend to be less risk to insure than drivers with lower credit scores.
  • Multi-policy discounts can save money – Some insurance companies provide better rates to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare rates to verify if the discount is saving money.
  • Lower rates with optional equipment – Driving a car that has an advanced theft prevention system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.

Compare Insurance Coverage Today

Getting better 1991 Buick Roadmaster insurance coverage pricing can be relatively painless. You just have to invest a few minutes comparing rates online with multiple companies. This can be accomplished in several different ways.

  1. The first (and easiest) way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This method eliminates the need for separate quotation requests to each individual insurance coverage company. In just a few minutes this one form gets you price quotes from multiple companies.
  2. A less efficient way to get quotes online consists of visiting the website for each individual company to complete their respective quote request forms. For instance, let’s say you want to compare State Farm, Farmers and Allstate. You would have to take the time to go to each site and enter your policy data, 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 hardest method to get comparison rates is driving to insurance agents’ offices. The internet can eliminate the need for a local agent unless you want the trained guidance of a licensed agent. However, consumers can comparison shop your insurance online and get advice from an agent in your area and we’ll cover that in a bit.

It’s up to you which method you use, but compare exactly the same coverages and limits for every company. If your comparisons have different liability limits it will be impossible to truly determine the lowest rate.

How to save on Buick Roadmaster insurance

Insuring your fleet can be pricey, but there are discounts available that you may not even be aware of. Some discounts apply automatically when you get a quote, but less common discounts must be asked about in order for you to get them. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • 55 and Retired – If you’re over the age of 55, you may be able to get reduced rates for Roadmaster coverage.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Sign Early and Save – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for Roadmaster coverage than their less cautious counterparts.
  • Passive Restraint Discount – Factory air bags or motorized seat belts can qualify for discounts of more than 20%.

As a disclaimer on discounts, many deductions do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will cut the amount you have to pay.

For a list of companies who offer insurance discounts, click here to view.

Tailor your coverage to you

When choosing coverage, there isn’t really a single plan that fits everyone. Each situation is unique so your insurance should reflect that For instance, these questions might point out if you could use an agent’s help.

  • Do I have coverage for damage caused while driving under the influence?
  • When would I need rental car insurance?
  • Am I covered when using my vehicle for business?
  • Am I missing any policy discounts?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when delivering products for my home-based business?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Car insurance coverage information

Understanding the coverages of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the normal coverages offered by auto insurance companies.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, colliding with another moving vehicle, hitting a mailbox, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, falling objects, damage from a tornado or hurricane, theft and damage from flooding. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for expenses for things like nursing services, funeral costs and surgery. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Liability coverages – Liability insurance protects you from damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as repair costs for stationary objects, medical expenses, legal defense fees and pain and suffering. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Compare but don’t skimp

As you shop your coverage around, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage at the best price while still protecting your assets.

You just learned some good ideas how you can shop for 1991 Buick Roadmaster insurance online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Consumers could even find that the biggest savings come from some of the lesser-known companies. These companies often have lower prices on specific markets compared to the large companies like Progressive or Geico.

Cheap insurance can be purchased on the web in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

More resources