1998 Buick Riviera Car Insurance Rates – 5 Discounts for Best Quotes

Are you overwhelmed by the crazy number of insurance options? Many other consumers are too. Drivers have so many options that it can quickly become a big hassle to locate the lowest price.

It’s a good idea to shop coverage around every six months due to the fact that insurance rates are usually higher with each renewal. Even if you got the best price for Riviera insurance a couple years back you may be paying too much now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the quickest way to properly buy coverages while reducing your premium.

Don’t pay full price with these five discounts

Car insurance is not cheap, buy you may qualify for discounts that you may not know about. Certain discounts will be applied when you complete an application, but less common discounts must be asked about in order for you to get them.

  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
  • No Accidents – Claim-free drivers can save substantially when compared with accident-prone drivers.
  • Defensive Driving Course – Taking a defensive driving course could cut 5% off your bill depending on where you live.
  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount for Riviera insurance with certain companies.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce individual premiums such as medical payments or collision. So when the math indicates adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will reduce your premiums.

Car insurance companies that may offer these money-saving discounts may include but are not limited to:

Double check with each company how you can save money. Some discounts may not apply in your area.

Your personal situation dictates your coverage

When it comes to choosing adequate coverage, there isn’t really a perfect coverage plan. Each situation is unique.

Here are some questions about coverages that could help you determine if your situation could use an agent’s help.

  • Am I getting all the discounts available?
  • What if I don’t agree with a claim settlement offer?
  • What should my uninsured motorist coverage limits be in my state?
  • How much can I save by bundling my policies?
  • Can I get a multi-policy discount?
  • Should I drop comprehensive coverage on older vehicles?
  • If my pet gets injured in an accident are they covered?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form.

Auto insurance coverage considerations

Understanding the coverages of your auto insurance policy aids in choosing the right coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Comprehensive coverages – This pays to fix your vehicle from 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 like damage from flooding, damage from a tornado or hurricane and vandalism. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with a tree, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like dental work, doctor visits and surgery. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Liability – This coverage protects you from damages or injuries you inflict on people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as attorney fees, repair bills for other people’s vehicles and structural damage. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

A penny saved is a penny earned

We covered a lot of ways to reduce 1998 Buick Riviera insurance prices online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even find the best prices are with the smaller companies.

Insureds switch companies for many reasons like delays in responding to claim requests, being labeled a high risk driver, lack of trust in their agent or even high prices. Regardless of your reason for switching companies, choosing a new company is not as hard as you think.

Budget-conscious insurance can be bought both online and also from your neighborhood agents, so you should compare both to have the best rate selection. A few companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

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