1993 Buick Roadmaster Car Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Looking for lower insurance coverage rates for your Buick Roadmaster? Feel like you’re a prisoner to overpriced insurance coverage? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Companies like Allstate, Progressive and GEICO all promote huge savings with TV and radio ads and it is challenging if not impossible to avoid their marketing magic and do the work needed to find the best deal.

Automobile Insurance Quotes

There are several ways to shop for Buick Roadmaster car insurance, but one way is easier and takes less work. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could save time and use online quoting to get pricing more quickly.

Many popular insurance companies are enrolled in a marketplace where prospective buyers enter their policy data once, and at least one company then returns a price quote determined by their information. This saves time by eliminating form submissions to every company.

To submit your quote information now, click here (opens in new window).

The single downside to getting quotes like this is you don’t know exactly which insurance companies you want pricing from. So if you prefer to choose individual companies for rate comparison, we have a listing of car insurance companies in your area. Click to view list.

However you get your quotes, be sure to compare exactly the same coverage limits for every company. If you have different deductibles it will be very difficult to determine the lowest rate for your Buick Roadmaster.

Lots of discounts mean lots of savings

Car insurance can cost a lot, but you can get discounts that you may not even be aware of. Some discounts apply automatically when you purchase, but some may not be applied and must be requested specifically before being credited. If you’re not getting every credit possible, you are throwing money away.

  • Early Signing – Some companies give discounts for signing up prior to your current policy expiration. This can save 10% or more.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Accident Free – Claim-free drivers pay less as compared to frequent claim filers.
  • Drive Less and Save – Fewer annual miles on your Buick could be rewarded with better rates on cars that stay parked.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may save up to 20% off your total premium.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for Roadmaster insurance than drivers with accidents.
  • Accident Waiver – A few companies permit an accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Pay Now and Pay Less – By paying your policy upfront instead of paying each month you may reduce your total bill.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Most cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will cut your premiums.

For a list of insurance companies with the best auto insurance discounts, follow this link.

Parts of the Buick Roadmaster rate equation

Consumers need to have an understanding of the factors that play a part in calculating the rates you pay for insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

Shown below are a partial list of the pieces used by your company to calculate premiums.

  • With age comes lower rates – Older insureds are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Young drivers are known to be careless and easily distracted when behind the wheel therefore insurance rates are much higher.
  • Occupation reflects on rates – Did you know your job can affect your rates? Occupations such as lawyers, social workers and financial analysts have higher average rates due to job stress and lots of time spent at work. Conversely, occupations like scientists, engineers and homemakers get better rates for Roadmaster insurance.
  • Liability coverage protects you – Liability coverage is the protection if you are found to be at fault for causing damage or personal injury in an accident. It will provide legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • More than one policy can earn a discount – Most insurance companies give discounts to people who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount you may still want to shop around to verify if the discount is saving money. You may still be able to find a better deal by insuring with multiple companies.
  • Your spouse saves you money – Being married can get you a discount when buying insurance. It translates into being more mature and responsible and it’s statistically proven that drivers who are married are more cautious.
  • Don’t buy coverages you don’t need – There are many add-on coverages that you can get tricked into buying on your Roadmaster policy. Things like roadside assistance, accidental death and membership fees may be wasting your money. These may sound like a good investment when you first buy your policy, but your needs may have changed so remove them from your policy.
  • Do you know your deductibles? – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your Buick from damage. Examples of covered claims are collision with another vehicle, vandalism, or theft. The deductibles are the amount of money you are required to spend before your insurance pays a claim. The higher the amount you’re willing to pay, the less your company will charge you for insurance for Roadmaster insurance.

Situations that might require an agent

When it comes to buying the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. For instance, these questions may help highlight whether or not you could use an agent’s help.

  • Can I rent a car in Mexico?
  • What is the minimum liability in my state?
  • Is my trailer covered?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can my teen driver be rated on a liability-only vehicle?
  • When should I drop full coverage on my 1993 Buick Roadmaster?
  • Where can I find high-risk insurance?
  • Why do I need rental car insurance?
  • Should I buy additional glass protection?
  • Do I need higher collision deductibles?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and may give you better protection.

Specific coverage details

Knowing the specifics of car insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages available from car insurance companies.

Comprehensive coverageComprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, fire damage and a tree branch falling on your vehicle. The maximum payout your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for EMT expenses, funeral costs, prosthetic devices and chiropractic care. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Buick Roadmaster.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are set the same as your liablity limits.

Liability – This coverage protects you from damage that occurs to a person or their property by causing an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like attorney fees, bail bonds, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Collision coverage – This coverage pays for damage to your Roadmaster resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, colliding with a tree, crashing into a ditch, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Saving money makes a lot of cents

In this article, we covered some good ideas how you can save on 1993 Buick Roadmaster insurance. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as GEICO and State Farm.

Budget-conscious insurance is available on the web and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

More information can be read at the links below

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