Save on 1999 Buick Riviera Car Insurance Rates

Having to pay for overpriced Buick Riviera insurance can drain your personal savings, especially in this economy. Doing a price comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

Companies like State Farm, Farmers Insurance, Geico and Allstate continually hit you with fancy advertisements and it is challenging if not impossible to see past the geckos and flying pigs and find the best price available.

If you are paying for car insurance now, you should be able to cut costs considerably using these techniques. Finding affordable coverage is not rocket science. But car owners must learn the way companies price insurance differently.

Do you qualify for discounts?

The price of auto insurance can be rather high, but there are discounts available that you may not even be aware of. Larger premium reductions will be automatically applied at quote time, but a few must be inquired about before you will receive the discount.

  • Clubs and Organizations – Participating in a civic or occupational organization could trigger savings on car insurance on Riviera coverage.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Discount for Life Insurance – Some companies give lower rates if you buy life insurance from them.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Multi-policy Discount – If you insure your home and vehicles with one company you may earn approximately 10% to 15%.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less on Riviera coverage than drivers with accident claims.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only cut the price of certain insurance coverages 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 bring down the amount you have to pay.

Companies who might offer these discounts include:

Double check with each insurance company which discounts they offer. Some discounts might not be offered in your state.

Don’t assume everyone needs the same coverage

When choosing adequate coverage, there is no “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. For instance, these questions can aid in determining if you will benefit from professional help.

  • What if I don’t agree with a claim settlement offer?
  • How do I insure my teen driver?
  • Am I covered if I hit a deer?
  • Are my friends covered when driving my 1999 Buick Riviera?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need PIP coverage since I have good health insurance?
  • Should I buy full coverage?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Do you really save 40% when you switch?

Companies like State Farm, Allstate and Geico regularly use ads on television and other media. All the ads make an identical promise that you’ll save big if you move to them. How can each company say the same thing? This is how they do it.

Different companies have a certain “appetite” for the type of customer that is profitable for them. For instance, a profitable customer might be profiled as over the age of 50, owns a home, and drives less than 10,000 miles a year. Any new insured who matches those parameters will qualify for the lowest rates and therefore will save quite a bit of money when switching.

Consumers who fall outside the “perfect” profile will have to pay more money and this can result in business going elsewhere. Company advertisements say “drivers who switch” not “people who quote” save that much. That is how companies can truthfully make the claims of big savings.

Because of the profiling, you should get a wide range of price quotes. You cannot predict which insurance companies will provide you with the cheapest Buick Riviera insurance rates.

Information about specific coverages

Having a good grasp of your policy can be of help when determining the right coverages for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types offered by insurance companies.

Liability coverage

Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as repair costs for stationary objects, funeral expenses, medical expenses, bail bonds and loss of income. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hitting a deer, vandalism, theft and falling objects. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision insurance

Collision insurance will pay to fix damage to your Riviera caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with another moving vehicle, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like hospital visits, chiropractic care, pain medications, dental work and surgery. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Buick Riviera.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

More effort can pay off

Discount 1999 Buick Riviera insurance can be purchased from both online companies in addition to many insurance agents, so compare prices from both to have the best rate selection. There are still a few companies who do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

When trying to cut insurance costs, do not buy poor coverage just to save money. Too many times, drivers have reduced physical damage coverage to discover at claim time they didn’t have enough coverage. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.

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