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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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 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.
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.
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.
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:
Daniele Castillo
Looking for cheaper 1992 Buick Roadmaster insurance in Des Moines, Iowa. Help!
Loren Nunez
I’ve insured with Allstate for a long time. Pretty cheap in Boise, ID.
Myriam Logan
If you have a good history and are close to Rio Rancho, New Mexico, check out Allstate. You might save some money. I think they have home insurance too. It’s easy to compare rates online now. Anyone else drop full coverage?
Lavonda Fry
I’ve had 21st Century for years. I’m in South Burlington, VT.
Beaulah Douglas
Anyone know if 21st Century does SR-22s?
Daniela Hebert
Good site, thanks. Lifelong resident of Denver, CO. Quoted with The General, AAA, Mercury, and a couple others for my 1992 Buick Roadmaster and I think I am saving around $20 each month. Was with Hartford. Have an at-fault accident tho. Just go online and compare their rates. I don’t have comp or collision coverage.
Sanford Vazquez
I’m in the west part of Seattle, Washington. Quoted quotes from Allstate, Eastwood, and GMAC for my Roadmaster and cut my rates about $70 a year. My new agent seems to be really good.
Audria Browning
I live west of Boise, ID. Got free quotes online for a 1992 Buick Roadmaster. Ended up at about $90 savings annually. Went with Progressive. I’m a pretty low risk driver. Just liability coverage since it’s getting old.
Trenton Gonzalez
Hope my rates come down. Proud to be from Dover, DE. Quoted prices from Allstate, Erie, and Hartford for my 1992 Buick Roadmaster and saved $61 a year. I have a teen driver too.
Rick Villarreal
If you have a clean record and live in the vicinity of Memphis, TN, check out State Farm. They seem to be cheaper. It’s only liability tho.
Tammi Ramsey
Cheap is not always the best policy. Quoted with GMAC for my Buick and saved about $80 a year. Left AAA to switch. Ask about discounts. I don’t have comp or collision coverage.
Kirk Cervantes
I live just to the north of Seattle, Washington. Quoted a bunch of companies. Saved roughly $10 a month. Allstate was the cheapest for me. My Buick doesn’t have full coverage.
Hassie Moody
Anyone try to read their policy?
Marvin Myers
Nice info. Located in San Antonio, TX. Got car insurance quotes from 21st Century, American Family, and some I forget for my Roadmaster and saved just over $60 a year. Left Hanover to switch. I just quoted rates online. When should I drop full coverage?
Luella Ford
Lots of good stuff here. I’m in Gulfport, Mississippi. Don’t remember every company but I ended up saving about $20 each month. I think they have home insurance too. I don’t insure for physical damage though.
Kenny Ewing
I live in Bellevue, NE. Can’t remember who all I quoted but I ended up saving about $20 each month. It was easy to get rates. Just liability coverage since it’s getting old.
Samuel Mcclure
I found pretty cheap rate quotes for a 1992 Buick Roadmaster in Greensboro, NC. Ended up at about $120 every six months with American Family. Switched homeowners coverage too. It’s too old for full coverage.