View 1996 Buick Riviera Insurance Quotes

Trying to find the cheapest car insurance rates for your Buick Riviera? Tired of not being able to afford to insure your Buick every month? You are in the same boat as many other drivers.

Having so many insurance companies to choose from, it can be diffult for consumers to choose the cheapest insurer.

These factors can influence Buick Riviera insurance rates

Smart consumers have a good feel for the different types of things that help determine the price you pay for insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in better insurance rates.

Marriage pays dividends – Being married helps lower the price when buying insurance. Having a spouse means you’re more responsible and it’s proven that being married results in fewer claims.
Sex matters – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Both sexes cause accidents at a similar rate, but men cause more damage. Men also receive more costly citations such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents and therefore are the most expensive to insure.
No coverage gaps is important – Driving with no insurance is a misdemeanor and as a result your rates will increase for letting your insurance lapse. And not only will insurance be more expensive, but not being able to provide proof of insurance will get you a steep fine or even jail time.
Keep rates low by being claim-free – If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Insurance companies give discounts to policyholders who do not rely on their insurance for small claims. Your insurance policy is intended for the large, substantial claims.
Better credit means lower rates – Having a bad credit rating is a big factor in determining what you pay for insurance. Consumers who have high credit ratings tend to be less risk to insure than those with poor credit. Therefore, if your credit can use some improvement, you could potentially save money when insuring your 1996 Buick Riviera by improving your credit score.
Teen drivers pay high rates – Older drivers are more responsible, tend to cause fewer accidents and receive fewer citations. Teenage drivers are statistically proven to be less responsible behind the wheel therefore insurance rates are much higher.
Extra add-on coverages are wasting money – There are many add-on coverages that you can buy on your Riviera policy. Insurance for rental car reimbursement, towing coverage and additional equipment coverage may be wasting your money. These coverages may sound good when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.
More people means more accidents – Residing in a rural area can save you money when insuring your vehicles. Fewer drivers means reduced accidents and a lower car theft rate. City drivers regularly have traffic congestion and longer commute times. Higher commute times means more change of being in an accident.

Save money by taking advantage of these discounts

Insuring your vehicles can cost a lot, but companies offer discounts to reduce the price significantly. A few discounts will automatically apply when you quote, but some must be inquired about prior to receiving the credit.

Clubs and Organizations – Being a member of a qualifying organization may earn a discount on car insurance on Riviera insurance.
No Charge for an Accident – Some insurance companies will forgive one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
Senior Citizens – If you qualify as a senior citizen, you may qualify for a small decrease in premiums on Riviera insurance.
Drive Safe and Save – Safe drivers can pay as much as 50% less on Riviera insurance than drivers with accidents.
Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
Good Students Pay Less – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
Employee of Federal Government – Simply working for the federal government may qualify you for a discount on Riviera insurance depending on your company.
Use Seat Belts – Requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only apply to specific coverage prices like comp or med pay. Just because you may think all those discounts means the company will pay you, car insurance companies aren’t that generous. But all discounts will cut the cost of coverage.

For a list of providers with the best car insurance discounts, follow this link.

Beware of misleading auto insurance ads

Auto insurance providers like Allstate and Progressive continually stream ads on television and other media. They all have a common claim about savings after switching your coverage to them. How do they all make almost identical claims? It’s all in the numbers.

Different companies can use profiling for the type of customer that is profitable for them. A good example of a preferred risk might be profiled as between the ages of 30 and 50, has no prior claims, and drives newer vehicles. A customer who matches those parameters will get the preferred rates and most likely will cut their rates substantially.

Potential customers who fall outside the requirements must pay higher prices and ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” but not “drivers who get quotes” save that kind of money. This is how companies can truthfully make the claims of big savings.

This illustrates why you need to get a wide range of price quotes. You cannot predict the company that will give you the biggest savings on Buick Riviera insurance.

When should I use an insurance agent?

When it comes to buying adequate coverage for your vehicles, there really is not a perfect coverage plan. Each situation is unique and your policy should reflect that. These are some specific questions might point out if your insurance needs could use an agent’s help.

Am I covered when driving a rental car?
Do I have newly-aquired coverage?
Can I rate high risk drivers on liability-only vehicles?
Where can I find high-risk insurance?
When should I buy a commercial auto policy?
How much liability insurance is required?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Auto insurance coverage specifics

Knowing the specifics of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages found on the average auto insurance policy.

Auto liability insurance

This can cover damage that occurs to other’s property or people in an accident. It protects you from claims by other people, and doesn’t 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. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like pain and suffering, structural damage and legal defense fees. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills for chiropractic care, ambulance fees, surgery, hospital visits and nursing services. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, damage from a tornado or hurricane, hitting a bird, vandalism and hail damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

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

Collision coverage pays for claims such as rolling your car, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Shop smart and save

In this article, we covered some good ideas how you can shop for 1996 Buick Riviera insurance online. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from a smaller regional carrier. Smaller companies may only write in your state and offer lower rates than their larger competitors like State Farm or Progressive.

As you shop your coverage around, never skimp on coverage in order to save money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to find out they didn’t have enough coverage. Your goal should be to purchase plenty of coverage at the best price.