1992 Buick Roadmaster Car Insurance Rates

Locating low-cost insurance for a new or used Buick Roadmaster can turn out to be difficult, but you can use the following methods to find lower rates. There is a better way to buy insurance coverage so you’re going to learn the quickest way to compare rates on a Buick and locate the cheapest rates from local insurance agents and online providers.

If you have a current insurance policy or are just looking to switch companies, you can follow these tips to cut your premiums while maximizing coverage. Shopping for cheaper coverage is easy if you know what you’re doing. Drivers just need to understand how to shop their coverage around online.

Cheap car insurance rate quotes online

Effectively comparing car insurance prices can be a daunting task if you aren’t aware of the best way to get rate quotes. You could waste time discussing policy coverages with insurance agencies in your area, or you could save time and use the web for quick rates.

Many of the larger companies are enrolled in a marketplace that enables customers to submit their information once, and each company can give them a price for coverage. This prevents consumers from doing quote forms to each individual car insurance company.

To enter your information into the quoting system, click here to open in new window.

The one downside to comparing rates this way is you don’t know exactly the providers to get pricing from. So if you want to choose individual companies to request quotes from, we have a page of companies who write car insurance in your area. Click to view list.

Whichever way you choose to compare rates, be sure to compare apples-to-apples information for every quote you compare. If your comparisons have different values for each quote you will not be able to decipher which rate is best.

More affordable rates by taking advantage of discounts

Car insurance companies don’t always advertise the entire discount list very well, so the list below gives a summary of a few of the more common and the more hidden ways to save on auto insurance.

• First Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies permit an accident before they charge you more for coverage so long as you are claim-free before the accident.
• Theft Deterent System – Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently and can earn a small discount on your policy.
• Paper-free Discount – A few companies will provide an incentive for buying your policy on the internet.
• Auto/Home Discount – If you combine your home and auto policies and insure them with the same company you will save nearly 15% which can help you find cheap auto insurance.
• Discount for New Cars – Insuring a vehicle that is new may earn a small discount because new model year vehicles are generally safer.
• Claim Free – Drivers who don’t have accidents have much lower rates when compared to policyholders that have many claims.
• Telematics Data – Policyholders that allow data collection to study vehicle usage by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they exhibit good driving behavior.
• College Student – who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
• Anti-lock Brake Discount – Cars and trucks equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.

A little disclaimer on discounts, many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as collision or personal injury protection. So even though you would think it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

The best auto insurance companies and some of the premium reductions they offer are outlined below.

• State Farm policyholders can earn discounts including Steer Clear safe driver discount, anti-theft, defensive driving training, Drive Safe & Save, multiple policy, accident-free, and safe vehicle.
• American Family may include discounts for TimeAway discount, multi-vehicle, good driver, early bird, air bags, and defensive driver.
• AAA may have discounts that include multi-policy, multi-car, pay-in-full, good driver, AAA membership discount, good student, and anti-theft.
• Geico discounts include emergency military deployment, driver training, daytime running lights, good student, anti-lock brakes, and defensive driver.
• Mercury Insurance offers discounts including age of vehicle, professional/association, accident-free, multi-policy, and anti-theft.
• Farmers Insurance includes discounts for business and professional, mature driver, teen driver, alternative fuel, and bundle discounts.
• Progressive has discounts for good student, online quote discount, continuous coverage, homeowner, online signing, multi-policy, and multi-vehicle.

When getting free auto insurance quotes, it’s a good idea to every insurance company the best way to save money. Savings might not be offered in your area. For a list of providers who offer cheap auto insurance quotes, click here.

How much insurance coverage do I need?

When it comes to choosing coverage, there really is not a “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that could help you determine whether you may require specific advice.

• Am I insured when driving a different vehicle?
• Is a new car covered when I drive it off the dealer lot?
• I have health insurance so do I need medical payments coverage?
• Do I have coverage when making deliveries for my home business?
• How much liability coverage do I need in my state?
• Does my 1992 Buick Roadmaster need full coverage?
• At what point should I drop full coverage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Smart buyers save money

Lots of things are taken into consideration when premium rates are determined. Some factors are common sense like your driving record, but other criteria are more obscure like your continuous coverage and annual miles driven.

Shown below are some of the factors companies use to determine your rates.

• Lower rates with a multi-policy discount – Most major car insurance companies will award better rates to clients who buy several policies from them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to check prices from other companies to confirm you are receiving the best rates possible.
• Higher deductibles are cheaper – The deductibles define how much you are willing to pay before a claim is paid by your company. Physical damage coverage, aka comp and collision, covers damage that occurs to your car. Some instances where coverage would apply are collision with another vehicle, animal collisions, and having a roll-over accident. The higher the amount you pay before a claim is paid (deductible), the lower your rates will be on Roadmaster coverage.
• Excellent credit saves on car insurance – Your credit score is a large factor in your rate calculation. Therefore, if your credit history can be improved, you could potentially save money when insuring your 1992 Buick Roadmaster by taking the time to improve your credit score. Drivers who have very good credit scores tend to be better drivers and file fewer claims as compared to drivers with lower ratings.
• Where do you drive? – Driving a lot of miles each year the more you will pay for car insurance. Most companies charge rates based on how the vehicle is used. Autos that have low annual miles qualify for better rates as compared to vehicles used primarily for driving to work. Double check that your policy states the correct driver usage, because it can save money. Having the wrong rating on your Roadmaster can result in significantly higher rates.
• Youthful drivers pay high premiums – More experienced drivers are more cautious drivers, cause fewer claims and accidents .Beginning drivers are proven to get distracted easily when behind the wheel therefore car insurance rates are much higher.
• Better drivers pay less – Your driving citation history has a huge affect on how much you pay. Good drivers pay less for auto insurance compared to drivers with tickets. Even a single speeding ticket or other violation can boost insurance rates by twenty percent. Drivers unfortunate enough to have flagrant violations such as reckless driving or DUI may find they need to file a SR-22 with their state’s department of motor vehicles in order to keep their license.
• Pay more if you have a long commute – Being located in a rural area is a good thing when shopping for auto insurance. City drivers have to deal with more aggressive driving styles and a longer drive to work. Fewer people translates into fewer accident claims and lower theft and vandalism rates.

Beware of misleading insurance coverage ads

Consumers can’t escape the ads that claim the cheapest prices by companies like State Farm and Allstate. They all state the claim of big savings if you move your policy.

How can each company charge you a lower premium? It’s all in the numbers.

Insurance providers quote the lowest rates for the type of driver that will be a good risk. An example of a driver they prefer should be over the age of 35, owns a home, and has excellent credit. Any customer that meets those criteria is entitled to the best price and will probably save a lot of money.

People who don’t qualify for this stringent profile will be charged higher rates and this can result in the driver buying from a lower-cost company. If you listen to the ad wording, they say “people who switch” not “everybody who quotes” save that much. This is how companies can make it sound like they have such great car insurance rates. This illustrates why drivers must do a quote comparison often. It’s just too difficult to predict with any certainty which company will have the best rates.

Auto insurance specifics

Having a good grasp of a auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like ambulance fees, nursing services, chiropractic care, X-ray expenses and doctor visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, falling objects and a tree branch falling on your vehicle. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

This pays for damage to your Roadmaster caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as rolling your car, colliding with a tree, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability coverage

This can cover injuries or damage you cause to other people or property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like repair costs for stationary objects, repair bills for other people’s vehicles, court costs, pain and suffering and attorney fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Saving money makes a lot of cents

We’ve covered many tips how you can get a better price on 1992 Buick Roadmaster insurance. The most important thing to understand is the more times you quote, the better your chances of lowering your car insurance rates. Drivers may discover the best rates are with an unexpected company.

The cheapest 1992 Buick Roadmaster insurance is possible on the web as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some insurance providers do not offer online quoting and usually these regional carriers only sell through independent insurance agents.

Insureds who switch companies do it for a number of reasons such as delays in responding to claim requests, high prices, questionable increases in premium and even poor customer service. Regardless of your reason, choosing a new company is less work than it seems.

Additional detailed information can be read at these sites:

• Understanding Car Crashes Video (iihs.org)
• Auto Insurance Learning Center (State Farm)
• Auto Crash Statistics (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)
• Safety Belts FAQ (iihs.org)