1994 Buick Roadmaster Car Insurance Quotes – 5 Discounts for Cheapest Rates

Have you fallen victim to an underperforming, overpriced insurance coverage policy? Believe me, you’re not the only one. With consumers having so many options, it’s difficult to choose the right insurance company.

Consumers need to check insurance coverage prices before your policy renews due to the fact that insurance rates are variable and change quite frequently. Just because you had the best price for Roadmaster coverage a couple years back there may be better deals available now. So forget anything you know (or think you know) about insurance coverage because I’m going to teach you the proper way to find lower rates on insurance coverage.

Verify you’re getting all your discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available to reduce the price significantly. Some discounts apply automatically when you quote, but lesser-known reductions have to be asked for before you will receive the discount. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Good Student Discount – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.
  • Drive Less and Save – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Roadmaster coverage than drivers with accident claims.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, you’re out of luck. But any discount will reduce your overall premium however.

Insurance companies that possibly offer some of the above discounts are:

It’s a good idea to ask all companies you are considering how you can save money. Some discounts might not apply everywhere.

When should I talk to an agent?

When it comes to choosing the best insurance coverage, there isn’t really a perfect coverage plan. Each situation is unique so your insurance should reflect that For instance, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Does medical payments coverage apply to all occupants?
  • Do I have coverage if my license is suspended?
  • What can I do if my company won’t pay a claim?
  • Am I covered if I wreck a rental car?
  • Should I buy only the required minimum liability coverage?
  • Does my car insurance cover rental cars?
  • Does my insurance cover my expensive audio equipment?
  • When can I cancel my policy?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and can provide invaluable advice.

Misconceptions in car insurance advertisements

Drivers can’t ignore all the ads for the lowest price auto insurance from the likes of State Farm and Allstate. All the companies have a common claim about savings if you change your coverage to them.

How do they all say the same thing?

All the different companies can use profiling for the right customer that earns them a profit. A good example of a desirable insured might be profiled as between the ages of 40 and 55, has no driving citations, and drives less than 10,000 miles a year. A propective insured that hits that “sweet spot” receives the best rates and is almost guaranteed to save a lot of money.

Potential insureds who do not match the “perfect” profile will have to pay more money which usually ends up with business not being written. The ads state “people who switch” not “everybody who quotes” save that much. That’s why companies can truthfully state the savings.

Because of the profiling, drivers should get quotes from several different companies. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Insurance coverages explained

Learning about specific coverages of your policy helps when choosing the right coverages for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Buick Roadmaster.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as vandalism, hail damage and fire damage. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability – Liability insurance will cover injuries or damage you cause to people or other property in an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as bail bonds, legal defense fees, funeral expenses, pain and suffering and attorney fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like hitting a mailbox, scraping a guard rail, crashing into a building, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Med pay and PIP coverage pay for short-term medical expenses for prosthetic devices, surgery, ambulance fees and rehabilitation expenses. They can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Final thoughts

In this article, we covered some good ideas how you can lower your 1994 Buick Roadmaster insurance rates. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.

Cheaper insurance can be purchased online and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. Some companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

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