Want the cheapest auto insurance rates for your Buick Roadmaster? Are you sick and tired of robbing Peter to pay Paul to pay your auto insurance bill each month? You are no different than millions of other vehicle owners.
You have so many car insurance companies to pick from, and although it’s a good thing to have multiple companies, too many choices makes it more difficult to compare rates.
Performing a rate comparison can take time and effort if you don’t understand the easiest way. You could waste time talking about coverages with insurance companies in your area, or you could use the internet to maximize your effort.
The majority of car insurance companies take part in a program that enables customers to submit one quote, and each participating company returns a competitive quote. This saves time by eliminating quote requests to every company.
To find out what other companies charge click here to open in new window.
The only drawback to comparing rates this way is you don’t know exactly which insurance companies you want pricing from. If you wish to select from a list of companies for rate comparison, we have a listing of auto insurance companies in your area. Click here for list of insurance companies.
It’s up to you how you get prices quotes, just make darn sure you compare nearly identical coverage information for every quote you compare. If each company quotes different coverage information it will be impossible to find the best deal for your Buick Roadmaster. Quoting even small variations in insurance coverages or limits can mean a large discrepancy in price. And when quoting auto insurance, remember that comparing more quotes helps locate the best price.
Properly insuring your vehicles can get expensive, but there’s a good chance there are discounts that may help make it more affordable. Many discounts should be triggered at the time of quoting, but some must be specifically requested before they will apply. If you aren’t receiving every discount you qualify for, you are not getting the best rate possible.
Discounts lower rates, but some credits don’t apply to your bottom line cost. Most only cut specific coverage prices like comprehensive or collision. Despite the appearance that it’s possible to get free car insurance, companies don’t profit that way. Any amount of discount will help lower the amount you pay for coverage.
Popular auto insurance companies and a summarized list of policyholder discounts can be found below.
When getting free auto insurance quotes, it’s a good idea to each company which discounts you may be entitled to. Some discounts listed above may not be available in your area. To see auto insurance companies that offer multiple discounts, click this link.
When it comes to choosing the best car insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions might point out if you might need professional guidance.
If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.
Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages found on most auto insurance policies.
Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, hitting a bird, hail damage and hitting a deer. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Auto liability insurance
This protects you from damage that occurs to people or other property in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability insurance covers things like funeral expenses, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.
Collision coverage protection
This coverage will pay to fix damage to your Roadmaster from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as crashing into a ditch, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for prosthetic devices, nursing services, funeral costs and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
Uninsured and underinsured coverage
This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Buick Roadmaster.
Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Some insurance companies may not have online price quotes and many times these small insurance companies work with independent agencies. Budget-conscious 1996 Buick Roadmaster insurance can be found online as well as from independent agents, so you need to compare both in order to have the best chance of saving money.
Throughout this article, we presented quite a bit of information on how to get a better price on 1996 Buick Roadmaster insurance. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even discover the biggest savings come from some of the smallest insurance companies. These companies may often insure only within specific states and give getter rates compared to the large companies like State Farm or Progressive.
As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where an insured cut collision coverage only to find out they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage for the lowest cost while still protecting your assets.
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From north side of Manchester, New Hampshire. Quoted prices from Allstate, Auto-Owners, and some I forget for my Roadmaster and I think I am saving around $30 each month. :)
I got decent rates for a 1996 Buick Roadmaster in Fairbanks, AK. Ended up at roughly $110 every six months with AIG Insurance. Was with Eastwood. Teenage drivers are expensive! Get lots of quotes to find the best rate. I don’t put full coverage on it.
I live east of Boston, MA. Quoted quotes with Nationwide, Eastwood, State Farm, and AIG Insurance for my 1996 Buick Roadmaster and cut my rates about $80 a year. Was with Esurance.
For me, Progressive was by far the cheapest in Reno, Nevada.
Just my two cents. Got a quote with Amica for my 1996 Buick Roadmaster and saved about $100 a year. I’m a pretty low risk driver. Still almost need a second mortgage.
Quoted with The General for my Roadmaster and saved around $90 a year.
Hope my rates come down. From west side of Springfield, MO. Got car insurance quotes with Amica, Safeco, and a few others for my Buick and I’m now saving $18 a month. Was with Travelers. I think they have home insurance too. Full coverage costs too much.
I’m in the suburbs of Tampa, FL. I quoted with AIG Insurance, Nationwide, and some smaller one I can’t remember the name of for my Roadmaster and saved $99 a year.
I live just to the east of Philadelphia, Pennsylvania. Got quotes from USAA, American Family, The General, and MetLife for my Buick and saved $88 a year. Left GMAC to switch. Got better coverage too. I recommend comparing lots of rates. Anyone else drop full coverage?
I can’t pay high rates. Checking in from Salem, OR. Quoted prices from Nationwide, Erie, GEICO, and Auto-Owners for my 1996 Buick Roadmaster and saved $97 a year. Insured with Erie before.
Nice info. I live in Dover, DE. Got car insurance prices from American Family, Nationwide, and some smaller one I can’t remember the name of for my 1996 Buick Roadmaster and I’m now saving $10 a month. Left Farmers to switch. A clean driving record helps. :P
Proud to be from Hartford, Connecticut. Quoted quotes from The General, Amica, Sentry, and a couple others for my 1996 Buick Roadmaster and cut my rates about $60 a year. Left Amica to switch. I’m a pretty low risk driver. I used their website to get prices. Anyone else drop full coverage?
Where is cheaper car insurance? Got a quote with Nationwide for my Roadmaster and saved about $70 a year. Left Liberty Mutual to switch. Teenage drivers are expensive! Just waiting to see how claims go.
From south side of Parkersburg, WV, and Allstate rates were best. Left Eastwood to switch. Bought it from an online quote.
Checking in from Cranston, RI. Compared quite a few companies. Saved about $20 a month. Progressive was the cheapest for me. Was with Progressive.
I’m in the west part of Salt Lake City, UT. I got free quotes from AIG Insurance, Safeco, and a few others for my Roadmaster and I think I saved around $20 each month. Hopefully won’t need it. They have free quotes online.
I live on the north side of Cranston, RI. Got quotes with GEICO, AAA, and Farmers for my Buick and saved around $90 a year. Was with American Family. I even had a DUI years ago. I don’t have comp or collision coverage.
Quoted with Safeco for my 1996 Buick Roadmaster and am saving around $90 a year.
I’m just south of New Orleans, Louisiana. Don’t remember every company but I ended up saving about $30 each month. Moved home policy as well. I don’t have comp or collision coverage.
From Aberdeen, South Dakota. Quoted prices online for a 1996 Buick Roadmaster. Ended up at about $110 savings annually. Went with Progressive. I even had a DUI years ago. They offer free online rate quotes.