Cheaper 1995 Buick Roadmaster Insurance Quotes

Tired of being strong-armed each month for car insurance? You are in the same boat as millions of other consumers.

Big companies like Allstate, Liberty Mutual and State Farm increase brand awareness with ads and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.

It’s smart to do rate comparisons at least once a year because prices change quite often. If you had the best rates on Roadmaster insurance two years ago there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the proper way to eliminate unnecessary coverages and save money.

Elements that influence Buick Roadmaster insurance rates

It’s important that you understand the rating factors that go into determining car insurance rates. Understanding what determines base rates helps enable you to make changes that may reward you with better car insurance rates.

Listed below are a few of the “ingredients” that factor into rates.

  • Do you qualify for a multi-policy discount? – Some companies will give a discount to customers who carry more than one policy such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even if you’re getting this discount you may still want to comparison shop to make sure you are getting the best deal. Drivers may still find a better deal by insuring with multiple companies.
  • Tickets mean higher rates – Whether or not you get tickets has a big impact on rates. Good drivers receive lower rates compared to drivers with tickets. Just one speeding ticket can increase rates by twenty percent. Drivers with flagrant tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 form to the state department of motor vehicles in order to keep their license.
  • Liability coverage protects you – Your policy’s liability coverage is the coverage that protects you if ever you are found to be at fault for personal injury or accident damage. It provides legal defense coverage starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
  • How your age affects price – Teenage drivers have a tendency to get distracted easily when driving so car insurance rates are higher. Having to add a teen driver onto a policy can really hurt. More mature drivers are more responsible, tend to cause fewer accidents and receive fewer citations.
  • Do you work long hours in a high stress job? – Occupations like real estate brokers, social workers and financial analysts have higher average rates attributed to high stress and long work hours. Conversely, occupations like scientists, engineers and retirees get better rates on Roadmaster insurance.
  • High numbers of claims are not good – If you are a frequent claim filer, you can definitely plan on higher rates. Companies give lower rates to policyholders who file claims infrequently. Insurance coverage is intended for major claims that would cause financial hardship.

Comparison of Insurance

The are a couple different ways of comparing rates and find the best price. One of the best ways to compare 1995 Buick Roadmaster insurance prices is simply to get online rate quotes. This is very easy and can be done in several different ways.

  • One of the simplest ways to compare a lot of rates at once is a comparison rater form (click to open form in new window). This easy form prevents you from having to do a different quote to each individual insurance company. Just one form gets you coverage quotes from all major companies.
  • A more difficult way to obtain and compare quotes online requires a visit to each company website to request a price quote. For instance, let’s say you want to compare Nationwide, Liberty Mutual and Allstate. To get each rate you have to spend time on each company’s site and enter your policy data, which is why the first method is more popular.

    To view a list of companies in your area, click here.

Which method you use is up to you, but ensure you are comparing the exact same deductibles and coverage limits for each price quote. If you are comparing unequal deductibles or liability limits then you won’t be able to determine the lowest rate for your Buick Roadmaster. Having just a slight variation in coverage limits may result in a large different in cost. And when comparison shopping, comparing more company’s prices gives you a better chance of getting lower pricing.

Cut your insurance coverage rates with discounts

Car insurance companies don’t list all their discounts in a way that’s easy to find, so the following is a list of both the well known and the more hidden ways to save on insurance coverage.

  • Payment Method – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Passive Restraints and Air Bags – Cars that have air bags can qualify for discounts up to 30%.
  • Life Insurance Discount – Larger companies have lower rates if you buy life insurance.
  • Safety Course Discount – Completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less on Roadmaster insurance than drivers with accidents.

Consumers should know that some credits don’t apply to your bottom line cost. Some only apply to specific coverage prices like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

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

You are unique and your car insurance should be too

When buying the best car insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions might point out whether your personal situation would benefit from professional advice.

  • How does medical payments coverage work?
  • Is my teen driver covered when they drive my company car?
  • Am I covered if my car is in a flood?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does coverage extend to my business vehicle?
  • Are my friends covered when driving my car?
  • What is the difference between comprehensive and collision coverage?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Insurance coverages and their meanings

Knowing the specifics of insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average insurance policy.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, theft, falling objects, hail damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for rehabilitation expenses, EMT expenses and doctor visits. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverage – This coverage covers damage to your Roadmaster resulting 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 can pay for claims such as driving through your garage door, rolling your car, backing into a parked car, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability auto insurance – This will cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and 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. You commonly see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like attorney fees, emergency aid and structural damage. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Buick Roadmaster.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Best coverage at the best price

Throughout this article, we presented many ideas to compare 1995 Buick Roadmaster insurance prices online. The key thing to remember is the more you quote, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from a small local company. Some small companies may cover specific market segments cheaper compared to the large companies like State Farm, GEICO and Nationwide.

Discount insurance can be sourced from both online companies and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. Too many times, an accident victim reduced collision coverage and learned later that it was a big mistake. Your focus should be to purchase plenty of coverage at the best price while still protecting your assets.

Much more information about insurance coverage can be read at the links below