1997 Buick Riviera Insurance Quotes – 8 Ways to Save

Shoppers have many options when shopping for the lowest priced Buick Riviera insurance. They can either waste time contacting agents to compare prices or utilize the internet to get rate quotes.

There are more efficient ways to find auto insurance online and we’ll show you the quickest way to compare rates for a Buick and obtain the best price possible from both online companies and local agents.

Don’t miss these eight discounts

Insuring your vehicles can cost a lot, but there are discounts available to help bring down the price. Certain discounts will be triggered automatically at quote time, but some must be asked about in order for you to get them. If you don’t get every credit you deserve, you are throwing money away.

  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Sign Online – A few companies give back up to $50 for buying a policy and signing up digitally online.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Own a Home – Owning a house can help you save on insurance coverage due to the fact that maintaining a home is proof that your finances are in order.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Drive Less and Save – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.

Drivers should understand that some of the credits will not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, you won’t be that lucky. Any qualifying discounts will bring down the amount you have to pay.

A partial list of companies that possibly offer some of the above discounts include:

Check with every prospective company how you can save money. All car insurance discounts may not be available in your area.

When might I need help?

When choosing proper insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that might help in determining if you may require specific advice.

  • Exactly who is provided coverage by my policy?
  • What is high-risk coverage and where do I buy it?
  • Why am I required to get a high-risk car insurance policy?
  • Is my Buick Riviera covered if I use it for business?
  • Should I get collision insurance on every vehicle?
  • What if I don’t agree with a claim settlement offer?
  • Does my 1997 Buick Riviera need full coverage?
  • Am I covered if I hit a deer?
  • Do I have coverage when making deliveries for my home business?
  • Are rental cars covered under my policy?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.

Is there deception in advertising?

Consumers constantly see and hear ads that promise big savings from companies such as Allstate and Progressive. All the companies say the same thing that you can save after switching your policy.

How do they all claim to save you money? This is how they do it.

Different companies can use profiling for the type of customer they prefer to insure. For instance, a profitable customer might be profiled as between the ages of 40 and 55, owns a home, and has great credit. A customer that hits that “sweet spot” will qualify for the lowest rates and therefore will save quite a bit of money when switching.

Potential customers who fall outside the requirements will be quoted higher premiums and this can result in business going elsewhere. The ads state “people who switch” but not “drivers who get quotes” save that much money. This is how insurance companies can make the claims of big savings.

This emphasizes why it’s extremely important to quote coverage with many companies. You cannot predict which insurance company will fit your personal profile best.

Car insurance coverage information

Learning about specific coverages of your policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision coverage – Collision insurance pays for damage to your Riviera resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with a tree, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Buick Riviera.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.

Auto liability – This will cover damage or injury you incur to other’s property or people in an accident. This coverage protects you from legal claims by others. It does not cover 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. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like legal defense fees, loss of income, emergency aid and medical expenses. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for bills such as hospital visits, funeral costs, pain medications, chiropractic care and X-ray expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as falling objects, damage from getting keyed, hitting a deer, rock chips in glass and hitting a bird. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

A penny earned…

In this article, we covered a lot of tips how to compare 1997 Buick Riviera insurance prices online. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. You may even discover the best prices are with the smaller companies.

Consumers leave their current company for many reasons like extreme rates for teen drivers, policy non-renewal, denial of a claim and even delays in responding to claim requests. No matter why you want to switch, finding a new insurance company is easier than you think.

Cheaper insurance can be found both online as well as from independent agents, and you need to price shop both to get a complete price analysis. Some insurance companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

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