1990 Buick Riviera Car Insurance Rates

Trying to find the cheapest insurance coverage rates for your Buick Riviera? Searching for the cheapest insurance for a Buick Riviera can normally be a painful process, but you can use a few tricks to make it easier. There is a better way to buy insurance coverage so we’re going to tell you the proper way to price shop coverage for a new or used Buick and get the best price possible from local insurance agents and online providers.

You should take the time to shop coverage around yearly since rates are rarely the same from one policy term to another. Despite the fact that you may have had the best price for Riviera insurance a year ago you can probably find a better price now. There is a lot of bad information regarding insurance coverage on the web, but I’m going to show you a lot of great tips on how to save money.

Buick Riviera insurance premiums are calculated by many factors

Consumers need to have an understanding of the factors that help determine the price you pay for insurance coverage. Knowing what determines base rates empowers consumers to make smart changes that can help you get better insurance coverage rates.

  • Bundling policies can get discounts – Some insurance companies will award you with lower prices to insureds who have multiple policies with them such as combining an auto and homeowners policy. This can amount to 10 percent or more. If you currently are using one company, it’s in your best interest to compare other company rates to make sure you are getting the best deal. Drivers may still find better rates by buying insurance coverage from a different company.
  • Where you live is a factor – Being located in a rural area is a positive aspect when buying insurance coverage. Fewer people means reduced accidents as well as less vandalism and auto theft. Drivers who live in large cities tend to have more traffic problems and longer commutes to work. Longer commute distances means more change of being in an accident.
  • The more you drive the more you pay – The more you drive in a year’s time the higher your rates will be. Most insurance companies price each vehicle’s coverage determined by how the vehicle is used. Cars left parked in the garage can get a lower rate compared to those used for work or business. If your policy improperly rates your Riviera can result in significantly higher rates. Make sure your insurance coverage policy is rated on the correct driver usage, because it can save money.
  • Extra add-on coverages are wasting money – There are a lot of extra bells and whistles that you can buy on your insurance coverage policy. Things like personal injury protection, towing coverage and motor club memberships are examples of these. These coverages may sound good at first, but if you don’t need them remove them from your policy.
  • Credit scores impact insurance coverage rates – Credit score is a big factor in your rate calculation. If your credit rating is lower than you’d like, you could potentially save money when insuring your 1990 Buick Riviera by spending a little time repairing your credit. People with good credit tend to be more responsible than drivers with poor credit.
  • Discounts for married couples – Having a wife or husband can get you a discount on your policy. Marriage is viewed as being more mature and responsible it has been statistically shown that married drivers get in fewer accidents.

More discounts equal less premium

Auto insurance companies do not advertise every available discount very well, so we break down some of the best known and also the lesser-known insurance coverage savings. If you don’t get every credit available, you are paying more than you should be.

  • Accident Free – Drivers who don’t have accidents can save substantially when compared with frequent claim filers.
  • Sign Online – A few companies will give a small break simply for signing on their website.
  • Homeowners Discount – Being a homeowner may earn you a small savings because of the fact that having a home requires personal responsibility.
  • College Student – Youth drivers who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Multiple Policy Discount – If you have multiple policies with the same company you may save at least 10% off all policies.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less for Riviera insurance than less cautious drivers.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Student Driver Training – Require your teen driver to take driver’s ed class in high school.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can get savings of more than 20%.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% compared to insuring an older model.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most cut the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way.

Companies who might offer some of the above discounts include:

Double check with each insurance company which discounts they offer. Some discounts may not be available in every state.

Do drivers who switch really save?

Consumers can’t ignore all the ads for car insurance savings from companies such as State Farm, Allstate and Geico. All the ads make the same claim about savings after switching your policy.

But how can every company make almost identical claims?

All companies can use profiling for the right customer they prefer to insure. A good example of a preferred risk could possibly be over the age of 50, insures multiple vehicles, and has excellent credit. A driver who fits that profile will get very good rates and as a result will probably cut their rates substantially.

Potential customers who don’t qualify for these standards will be charged more money and this can result in the driver buying from a lower-cost company. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much money. This is how insurance companies can confidently advertise the way they do. That is why you need to get as many comparisons as possible. It’s not possible to predict which auto insurance company will provide you with the cheapest Buick Riviera insurance rates.

It’s not one size fits all

When it comes to choosing coverage, there really is no one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that could help you determine if your situation would benefit from professional advice.

  • Do I need replacement cost coverage on my 1990 Buick Riviera?
  • Should I have combined single limit or split liability limits?
  • Is motorclub coverage worth it?
  • Who is covered by my policy?
  • Am I covered if I crash into my own garage door?
  • What if I owe more than I can insure my car for?
  • Is my ex-spouse still covered by my policy?
  • What if I don’t agree with a claim settlement offer?
  • Can I drive in Mexico and have coverage?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Car insurance coverages for a 1990 Buick Riviera

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverage

Liability coverage will cover damage that occurs to other people or property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like legal defense fees, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive coverage

This pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, vandalism, falling objects, damage from flooding and rock chips in glass. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Buick Riviera.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Coverage for collisions

This coverage pays for damage to your Riviera caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sideswiping another vehicle, damaging your car on a curb and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses such as nursing services, funeral costs and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Compare but don’t skimp

We covered many tips how you can compare 1990 Buick Riviera insurance prices online. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. Drivers may discover the lowest premiums are with a smaller regional carrier.

People who switch companies do it for many reasons like delays in paying claims, being labeled a high risk driver, an unsatisfactory settlement offer or extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new insurance company can be less work than you think.

As you restructure your insurance plan, you should never reduce coverage to reduce premium. There are too many instances where an insured cut uninsured motorist or liability limits only to discover later that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

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