Compare 1993 Buick Riviera Insurance Quotes

Searching for cheaper insurance for a new or used Buick Riviera can be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the quickest way to quote coverages on a Buick and locate the cheapest rates.

Choosing the best insurance company for you is quite easy. If you are insured now or are looking for a new policy, you can follow these tips to reduce the price you pay while maximizing coverage. Vehicle owners just need to understand the most efficient way to compare price quotes online.

Insurance companies offer many discounts

Insurance is not an enjoyable expense, but you might already qualify for some discounts that can help lower your rates. Many discounts should be triggered at the time you complete a quote, but some must be manually applied before you will receive the discount.

  • Passive Restraint Discount – Options like air bags or motorized seat belts may get savings of 25 to 30%.
  • Good Student – This discount could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in high school.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Paperless Signup – A handful of insurance companies will give a small break just for signing your application digitally online.
  • Defensive Driver – Taking time to complete a course that instructs on driving safety is a good idea and can lower rates and easily pay for the cost of the class.
  • Senior Citizen Rates – Drivers over the age of 55 can get a small decrease in premiums on Riviera insurance.
  • Discount for Multiple Policies – When you have multiple policies with the same insurance company you may earn up to 20% and get you inexpensive insurance coverage.
  • Distant Student Discount – who live away from home at college without a vehicle on campus can receive lower rates.
  • New Vehicle Savings – Insuring a new car can get you a discount compared to insuring an older model.

Don’t be shocked that some credits don’t apply the the whole policy. The majority will only reduce individual premiums such as liability and collision coverage. So when it seems like it’s possible to get free car insurance, you’re out of luck. But any discount will definitely reduce the cost of your policy.

The best insurance companies and some of their more popular discounts are outlined below.

  • Farm Bureau offers premium reductions for safe driver, 55 and retired, renewal discount, youthful driver, multi-policy, and multi-vehicle.
  • MetLife may offer discounts for defensive driver, good driver, multi-policy, accident-free, good student, claim-free
  • Progressive may include discounts for homeowner, multi-policy, online quote discount, online signing, good student, and continuous coverage.
  • AAA may have discounts that include multi-car, multi-policy, pay-in-full, good student, and education and occupation.
  • American Family offers discounts including good driver, air bags, accident-free, multi-vehicle, mySafetyValet, early bird, and TimeAway discount.
  • Geico has savings for good student, driver training, multi-vehicle, federal employee, defensive driver, and emergency military deployment.
  • State Farm has discounts for multiple autos, passive restraint, accident-free, driver’s education, safe vehicle, and anti-theft.

If you want the cheapest insurance coverage quotes, ask all the companies how you can save money. Discounts may not apply to policyholders in every state. To see insurers who offer discounts, click here to view.

How to lower your insurance cost

Finding a better price on insurance doesn’t have to be difficult. Drivers just need to take the time comparing free insurance coverage quotes from different insurance companies. Comparing prices online can be done using one of these methods.

  • Without a doubt, the easiest way consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This easy form prevents you from having to do a different quote for every prospective company. Taking the time to complete one form gets coverage cost estimates from insurance companies with the best prices. It’s definitely the quickest method.
  • A less efficient way to get comparison quotes is to manually visit each company’s website to complete a price quote. For instance, let’s assume you want rates from Liberty Mutual, Farmers and State Farm. In order to get each rate, you would have to go to each individual site and enter your policy data, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

  • The hardest way to find and compare rates is actually driving to local insurance agencies. The fact that you can get quotes online eliminates the middleman unless you’re the type of person who wants the professional advice of a licensed agent. It is possible to price shop online and still use a local agent.

Take whichever approach you prefer, but compare exactly the same coverages with every price quote. If you have different values for each quote it will be very difficult to determine the best price for your Buick Riviera.

Do I just need basic coverages?

When it comes to buying the right insurance coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if you would benefit from an agent’s advice.

  • Am I insured when driving a different vehicle?
  • Is a new car covered when I drive it off the dealer lot?
  • Should I waive the damage coverage when renting a car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered when driving in Canada or Mexico?
  • What if I owe more than I can insure my car for?
  • Are my friends covered when driving my car?
  • When should I not file a claim?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Parts of your insurance policy

Knowing the specifics of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability car insurance

Liability insurance will cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like emergency aid, structural damage, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists 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 carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like rock chips in glass, hail damage, damage from a tornado or hurricane, hitting a deer and falling objects. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

This covers damage to your Riviera 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 insurance covers things such as damaging your car on a curb, scraping a guard rail and driving through your garage door. This coverage can be expensive, so consider dropping it from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for bills for pain medications, ambulance fees, surgery and hospital visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Take this to the bank

While you’re price shopping online, do not reduce needed coverages to save money. There are many occasions where drivers have reduced liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal is to buy enough coverage at a price you can afford and still be able to protect your assets.

The cheapest 1993 Buick Riviera insurance can be found from both online companies as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some insurance companies may not offer the ability to get a quote online and many times these regional carriers work with independent insurance agents.

Consumers leave their current company for a number of reasons such as high rates after DUI convictions, delays in responding to claim requests, not issuing a premium refund or even policy non-renewal. It doesn’t matter why you want to switch finding the right auto insurance provider can be less work than you think.

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