1993 Buick Riviera Insurance Cost

Want better auto insurance rates for your Buick Riviera? Trying to find better insurance prices for a Buick Riviera can turn out to be an all-consuming task, but you can use our auto insurance buying tips to find lower rates. There is a better way to compare auto insurance rates and you need to know the proper way to get price quotes for your Buick and get the lowest price from local insurance agents and online providers.

It’s a good habit to check auto insurance prices yearly because insurance rates are usually higher with each renewal. Just because you had the best deal on Riviera coverage on your last policy there may be better deals available now. Starting now, block out anything you think you know about auto insurance because you’re going to get a crash course in the quickest way to lower your annual insurance bill.

If you have insurance now or are shopping for new coverage, you can follow these tips to get lower rates while maximizing coverage. Shopping for the cheapest insurance coverage is not that difficult. Consumers just need to learn how to compare price quotes on the web.

Car Insurance Comparison Rates

Most companies such as Progressive, Allstate and Geico allow you to get coverage price quotes on their websites. Obtaining pricing doesn’t take a lot of time as you simply enter your personal and coverage information into the quote form. Once entered, their rating system automatically orders information on your driving record and credit history and returns a price quote based on many factors.

This makes comparing rates easy, but the time it takes to visit different websites and complete many quote forms is repetitive and time-consuming. Unfortunately, it is important to perform this step in order to find the lowest possible prices on car insurance.

There is a better way to compare rates

An easier way to lower your rates is to use a quote form that gets prices from more than one company. It saves time, eliminates form submissions, and makes comparison shopping a little more enjoyable. Once the form is submitted, your coverage is rated and you are able to buy any one of the quotes returned. If a lower price is quoted, you simply finish the application and buy the policy. The whole process just takes a couple of minutes and you will know how your current rates stack up.

In order to use this form to compare rates, click here to open in new window and fill out the form. If you currently have coverage, we recommend you replicate deductibles and limits identical to your current policy. Doing this guarantees you are getting rate comparison quotes using the same coverage and limits.

Save $427 a year. For real?

Consumers can’t get away from ads that promise big savings from the likes of Progressive, Allstate and Geico. All the ads make an identical promise of big savings if you switch your coverage to them.

How does each company make the same claim?

All companies have a certain “appetite” for the right customer they prefer to insure. For instance, a desirable insured might be between the ages of 40 and 55, owns a home, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” receives the best rates and most likely will pay quite a bit less when switching companies.

Drivers who don’t qualify for these standards will be charged more money and ends up with the customer not buying. Company advertisements say “customers that switch” but not “drivers who get quotes” save that much money. That’s the way companies can advertise the savings. That is why you should get a wide range of price quotes. It’s impossible to know which auto insurance company will give you the biggest savings on Buick Riviera insurance.

Lower rates by qualifying for discounts

Companies offering auto insurance don’t always list all available discounts very clearly, so the following is a list of both well-publicized and the more hidden discounts you could be receiving. If you’re not getting every credit available, you’re paying more than you need to.

  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings up to 30%.
  • Memberships – Being a member of a qualifying organization could qualify you for a break on insurance coverage on Riviera coverage.
  • Save with a New Car – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Federal Employees – Active or retired federal employment can save as much as 8% on Riviera coverage with certain companies.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Driver Safety – Taking part in a course in driver safety could save 5% or more depending on where you live.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like you could get a free insurance coverage policy, it just doesn’t work that way.

Companies that possibly offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Savings may not be available in your state.

Car insurance is unique, just like you

When it comes to choosing proper insurance coverage for your vehicles, there is no cookie cutter policy. Every situation is different.

These are some specific questions may help you determine whether your personal situation might need an agent’s assistance.

  • Does my 1993 Buick Riviera qualify for pleasure use?
  • Are rental cars covered under my policy?
  • Can I get a multi-policy discount?
  • If I drive on a suspended license am I covered?
  • What can I do if my company denied a claim?
  • I have a DUI can I still get coverage?
  • Should I have a commercial auto policy?

If you can’t answer these questions but you know they 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, complete this form. It is quick, free and may give you better protection.

Car insurance coverages for a Buick Riviera

Having a good grasp of a insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision insurance

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

Collision insurance covers claims such as driving through your garage door, colliding with another moving vehicle, sideswiping another vehicle, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Buick Riviera.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, fire damage, hitting a deer, hail damage and vandalism. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability auto insurance

Liability coverage provides protection from damage that occurs to other’s property or people in an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like attorney fees, medical expenses, emergency aid, repair bills for other people’s vehicles and bail bonds. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses like prosthetic devices, surgery, pain medications and ambulance fees. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

In the end, you save

We covered many ways to compare 1993 Buick Riviera insurance prices online. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from a small mutual company.

As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. Too many times, an insured cut liability limits or collision coverage to discover at claim time that it was a big error on their part. The aim is to get the best coverage possible for the lowest price while not skimping on critical coverages.

Drivers leave their current company for any number of reasons including delays in paying claims, an unsatisfactory settlement offer, policy cancellation and even high prices. It doesn’t matter what your reason, switching companies can be less work than you think.

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