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Buick Riviera Insurance Cost

You have many choices when finding cheaper insurance coverage on your Buick vehicle. You can either buy through a local agent or shop online to compare rates from many different companies. Buying auto insurance from online companies is easy, in addition you might just save a little.

People who are new to comparing rates may think buying cut-rate Riviera insurance can be quite difficult. Finding cheaper coverage prices is actually quite simple. All you need to do is take the time to get quotes from different insurance companies. This can be accomplished by comparing rates here.

Criteria which help determine your insurance rates

Auto insurance rates for your Buick Riviera will vary greatly based upon several criteria. A few of these criteria are:

  • The performance level of your Riviera
  • Your accident history
  • Multiple policies can save money
  • Pleasure, commuting or business use can affect rates
  • Optional coverages like vehicle replacement
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

A final factor that helps determine Riviera insurance cost is the model year. Newer models cost more in comparison to later models so repair costs are higher which will push premiums up. But more recent Buick vehicles may have a trim level with safety features including forward-collision avoidance, a collision avoidance system, dual-stage airbags, and all-wheel drive so those may lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Riviera from the following list.

Liability coverage

Liability insurance will cover injuries or damage you cause to other's property or people in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision protection

Collision insurance will pay to fix damage to your Buick resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your Buick Riviera comprehensive insurance. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.

How Much are Buick Riviera Insurance Rates?