Cheap 1991 Buick Riviera Insurance Rates

Are you irritated from paying out the nose to make your insurance payment? You are no different than millions of other consumers. Since you have so many options when it comes to insurance, it’s nearly impossible to find the lowest price company.

It’s a good idea to get comparison quotes on a regular basis because rates go up and down regularly. Even if you got the lowest premium rates for Riviera coverage two years ago the chances are good that you can find a lower price today. There is a lot of wrong information about insurance online, but you can learn some tested techniques to stop overpaying for insurance.

Ways to get insurance coverage rate quotes

There are a variety of methods to compare insurance coverage prices but one way is easier and takes less work. You can waste a lot of time talking to insurance agencies in your area, or you can stay home and use online quoting to get the quickest rates.

Many popular insurance companies take part in a program that allows shoppers to enter their coverage request one time, and at least one company then returns a price quote for coverage. This saves time by eliminating quote requests to each individual insurance coverage company. To use this form to compare rates click to open in new window.

The one downside to pricing coverage this way is you are unable to specify which providers to get pricing from. If you prefer to choose from a list of companies to receive pricing from, we have a page of the cheapest insurance coverage companies in your area. Click to view list.

The method you choose is up to you, but double check that you are using equivalent coverage data on every quote you get. If you have different deductibles you will not be able to determine the best price for your Buick Riviera.

Beware of misleading insurance coverage ads

Consumers can’t get away from all the ads that claim the best premium rates by State Farm and Allstate. All the ads state the claim of big savings if you move your policy.

How does every company sell you cheaper insurance coverage? It’s all in the wording.

Insurance providers have strict underwriting profiles for the type of driver that earns them the most money. A good example of this type of driver might be described as between 25 and 40, has no prior claims, and drives a vehicle with a low ISO rating. Someone who meets those qualifications will most likely get cheap rates and will probably save some money.

Consumers who are not a match for this ideal profile must pay more expensive rates which translates to the customer not buying. If you listen to the ad wording, they say “customers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s the way companies can truthfully make it sound like they have such great rates. Because every company is different, drivers must do a price quote comparison at every renewal. It’s just not possible to know which insurance coverage company will fit you best based on your risk profile.

Verify you’re receiving every discount

Companies offering auto insurance don’t always publicize every discount they offer in a way that’s easy to find, so here is a list some of the more common as well as the least known credits that you can use to lower your rates.

  • Multi-line Discount – If the company offers life insurance, you could get a discounted rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Full Payment Discount – By making one initial payment rather than spreading payments over time you could save 5% or more.
  • Federal Government Employee – Active or retired federal employment could qualify for a slight premium decrease for Riviera coverage with select insurance companies.
  • Buy New and Save – Insuring a new car can save you some money because new model year vehicles have to meet stringent safety requirements.
  • No Claim Discounts – Insureds with no claims or accidents are rewarded with significantly better rates on auto insurance quote in comparison with drivers who are more careless.
  • Discount for Good Grades – Being a good student can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.
  • Braking Control Discount – Cars and trucks with anti-lock braking systems are much safer to drive and the ABS can save up to 10%.
  • Multiple Policy Discount – If you insure your home and vehicles and insure them with the same company you could save at least 10 to 15 percent or more.
  • Distant Student – Youth drivers who attend college more than 100 miles from home and do not have a car may be insured at a cheaper rate.

Discounts lower rates, but most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like medical payments or collision. Even though the math looks like you can get free auto insurance, insurance companies wouldn’t stay in business.

A list of companies and a selection of discounts can be found below.

  • Progressive may offer discounts for multi-policy, online signing, multi-vehicle, continuous coverage, and online quote discount.
  • Farmers Insurance offers discounts for good student, youthful driver, business and professional, mature driver, and multi-car.
  • Farm Bureau has discounts for safe driver, driver training, good student, 55 and retired, multi-vehicle, and renewal discount.
  • State Farm may include discounts for good student, Drive Safe & Save, multiple policy, good driver, and safe vehicle.
  • Geico may have discounts that include driver training, federal employee, anti-theft, good student, seat belt use, and daytime running lights.
  • SAFECO has savings for anti-theft, homeowner, anti-lock brakes, multi-car, and accident prevention training.
  • Liberty Mutual offers discounts including hybrid vehicle, new vehicle discount, safety features, preferred payment discount, newly retired, and good student.

If you need the cheapest auto insurance quotes, ask every prospective company how many discounts you can get. Discounts might not apply in your state. To find companies who offer discounts, click here to view.

When should I discuss my situation with an agent?

When buying coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. For instance, these questions can help discover if your insurance needs could use an agent’s help.

  • Can my teen driver be rated on a liability-only vehicle?
  • Are my tools covered if they get stolen from my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • How much liability do I need to cover my assets?
  • Are rental cars covered under my policy?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I benefit by insuring my home with the same company?
  • Is my teen driver covered when they drive my company car?
  • Do I need higher collision deductibles?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Insurance coverage specifics

Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types offered by insurance companies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for 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 only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage for collisions

Collision coverage will pay to fix damage to your Riviera from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses such as funeral costs, surgery, nursing services, hospital visits and X-ray expenses. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. 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, damage from flooding and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance

This can cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like loss of income, funeral expenses and emergency aid. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Have the Midas touch

Some insurance providers may not offer rate quotes online and these small, regional companies only sell through independent insurance agents. Low-cost 1991 Buick Riviera insurance is definitely available both online as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates.

As you shop your coverage around, never skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced full coverage only to discover later that they should have had better coverage. The ultimate goal is to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

You just read a lot of tips how to reduce 1991 Buick Riviera insurance prices online. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. Some small companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm and Allstate.

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