Lower Your 1995 Buick Riviera Car Insurance Rates

Are you burned out from trying to scrape together enough money each month for insurance? You’re in the same situation as millions of other consumers.

Multiple insurers compete for your business, so it’s not easy to compare every company and get the best coverage at the lowest rate possible.

Lower your insurance costs

When buying insurance coverage it’s important to understand the rating factors that go into determining your insurance coverage rates. If you understand what influences your rates, this allows you to make good choices that can help you get lower insurance coverage prices.

  • Buy as much liability insurance as you can afford – Liability insurance provides coverage when you are found to be at fault for causing personal injury or damage in an accident. It provides legal defense coverage to defend your case. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so buy as much as you can afford.
  • Expect high rates for teens – Older, more experienced drivers are shown to be more cautious, statistically cause fewer accidents and get fewer tickets.Drivers with little experience have a tendency to be inattentive in a vehicle therefore insurance coverage rates are much higher.
  • Improve your credit score and save – Having a good credit history can be an important factor in calculating your insurance coverage rates. Insureds that have very high credit ratings tend to be better drivers and file fewer claims as compared to drivers with poor credit. If your credit can use some improvement, you could pay less to insure your 1995 Buick Riviera by spending a little time repairing your credit.
  • How’s your driving record? – Getting just one driving citation can bump up the cost to the point where it’s not affordable. Drivers with clean records get better rates than bad drivers. Drivers unfortunate enough to have severe violations like DUI, reckless driving or excessive speeding might be required by their state to maintain a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.
  • Policy add-ons may not be needed – There are many extra bells and whistles that can add up on your insurance coverage policy. Things like vanishing deductibles, accidental death, and term life insurance may be wasting your money. They may seem good when deciding what coverages you need, but if they’re wasting money remove them from your policy.
  • Don’t abuse insurance claims – If you file a lot of claims you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies award better rates to people who do not rely on their insurance for small claims. Insurance coverage is designed for larger claims.

Find discounts on car insurance

Car insurance companies don’t always advertise every available discount very well, so the list below contains a few of the more common and also the lesser-known ways to save on car insurance.

  • Club Memberships – Having an affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums on your next renewal.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and will qualify for a discount on a auto insurance quote.
  • Anti-lock Brakes – Vehicles that have anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Auto/Home Discount – When you combine your home and auto insurance and insure them both with the same insurance company you may save up to 20% and get you the cheapest auto insurance.
  • Early Signing – Some car insurance companies provide a discount for switching companies prior to your current policy expiring. Ten percent is about the average savings.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, car insurance companies aren’t that generous.

Auto insurance companies that may have most of these discounts may include but are not limited to:

Before you buy a policy, ask all companies you are considering which discounts they offer. Some of the discounts discussed earlier might not be available to policyholders everywhere. To choose companies that offer some of these discounts, click here.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions might point out whether or not you will benefit from professional help.

  • What is the ISO rating for a 1995 Buick Riviera?
  • How high should my uninsured/underinsured coverage be in my state?
  • What is the minimum liability in my state?
  • What is no-fault insurance?
  • When should I buy a commercial auto policy?
  • Does car insurance cover theft of personal property?
  • Am I covered when driving on a suspended license?
  • When should my teen driver be added to my policy?
  • Can my teen driver be rated on a liability-only vehicle?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you’re not sure about those questions but one or more may apply to you, you might consider talking 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.

Educate yourself about car insurance coverages

Understanding the coverages of car insurance helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages available from car insurance companies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like nursing services, rehabilitation expenses, X-ray expenses, chiropractic care and doctor visits. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Liability coverage

Liability coverage can cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims such as loss of income, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Buick Riviera.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage

This will pay to fix damage to your Riviera resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as damaging your car on a curb, sideswiping another vehicle, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like theft, damage from a tornado or hurricane and fire damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Final thoughts

As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at the lowest possible cost.

In this article, we presented some good ideas how you can lower your 1995 Buick Riviera insurance rates. The key thing to remember is the more times you quote, the higher your chance of finding the cheapest auto insurance. You may be surprised to find that the most savings is with the least-expected company. These companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and Geico.

Some insurance companies don’t offer internet price quotes and most of the time these smaller companies work with independent agencies. Budget-conscious 1995 Buick Riviera insurance is definitely available on the web and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates.

Additional insurance coverage information is located at the links below