Compare 1996 Buick Riviera Car Insurance Rates

There isn’t anyone who likes buying insurance, in particular when the prices are way too high. There is such a variety of insurance companies to purchase coverage from, and though it is a good thing to be able to choose, more options can take longer to find the lowest rates.

Insurance coverage rates and discounts

Some insurers don’t always publicize all disounts in a way that’s easy to find, so the next list breaks down some of the best known and the more hidden credits that may apply to you.

  • Low Mileage Discounts – Keeping the miles down on your Buick can qualify you for cheaper prices.
  • Full Payment Discount – If you pay your bill all at once rather than spreading payments over time you can avoid the installment charge.
  • College Student – Youth drivers who live away from home at college and do not take a car to college could qualify for this discount.
  • Accident Forgiveness – This isn’t a discount exactly, but certain companies will forgive one accident without the usual rate increase if you are claim-free for a certain period of time.
  • Membership in Organizations – Participating in a civic or occupational organization could trigger savings on your policy.
  • Use Seat Belts – Drivers who require all occupants to buckle up could cut 10% or more off the PIP or medical payment premium.

It’s important to note that most credits do not apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though you would think all those discounts means the company will pay you, you won’t be that lucky.

A few popular companies and some of the premium reductions they offer are shown below.

  • Progressive policyholders can earn discounts including multi-vehicle, multi-policy, homeowner, good student, and continuous coverage.
  • The Hartford includes discounts for good student, vehicle fuel type, air bag, bundle, and driver training.
  • Mercury Insurance may have discounts that include multi-policy, age of vehicle, location of vehicle, accident-free, type of vehicle, multi-car, and professional/association.
  • Geico has discounts for good student, federal employee, daytime running lights, military active duty, and multi-policy.
  • AAA may include discounts for good driver, multi-car, pay-in-full, education and occupation, anti-theft, good student, and AAA membership discount.
  • State Farm offers discounts for good student, anti-theft, student away at school, good driver, and multiple autos.

If you want low cost insurance quotes, ask every insurance company which credits you are entitled to. Some discounts may not be offered in your state. For a list of insurance coverage companies who offer free insurance coverage quotes, click here.

Get Buick Riviera insurance at a discount

It’s important that you understand the rating factors that play a part in calculating your car insurance rates. When you know what positively or negatively influences your rates, this enables informed choices that will entitle you to lower premium levels.

  • Traffic violations increase rates – Having a clean driving record has a big impact on rates. Having just one ticket can increase the cost of insurance twenty percent or more. Drivers with clean records have lower premiums than their less careful counterparts. Drivers with dangerous tickets such as hit and run, DWI or reckless driving convictions may find they need to prove financial responsibility with the DMV in their state in order to legally drive a vehicle.
  • Car and home together may be cheaper – Most larger companies will award a discount to insureds who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, you may still want to check prices from other companies to verify if the discount is saving money.
  • Do males or females drive better? – Over the last 50 years, statistics have shown women are more cautious behind the wheel. Now that doesn’t mean males are worse at driving than females. They both have fender benders at a similar rate, but the males cause more damage. In addition to higher claims, males also have more aggressive citations like DWI (DUI) or reckless driving. Teenage male drivers have the highest risk to insure and thus pay the highest rates.
  • Pay more of a claim out-of-pocket – Physical damage protection, also known as collision and other-than-collision, helps pay for damage to your vehicle. Some examples of covered claims would be a dented fender, vandalism, and burglary. The deductibles you choose define how much you are required to spend before a claim is paid by your company. The more expense you have to pay, the less your car insurance will be on Riviera insurance.
  • Do you save by driving less? – The more you drive your Buick every year the more you will pay for car insurance. A lot of companies rate vehicles partially by how you use the vehicle. Autos that are left in the garage receive lower rates than those used for commuting. Having the wrong rating on your Riviera is just wasting money. It’s a smart idea to ensure your vehicle rating is rated on the correct usage.
  • Better car insurance rates on safer cars – Safer cars get lower rates. Vehicles engineered for safety result in less severe injuries and fewer injuries translates directly to fewer claims and thus lower rates.
  • Too many policy claims will drive rates up – Companies award lower rates to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can expect higher premiums or even policy non-renewal. Insurance coverage is intended for the large, substantial claims.

Situations that may require an agent’s advice

When buying adequate coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions might point out if you would benefit from professional advice.

  • Do I need an umbrella policy?
  • Am I better off with higher deductibles on my 1996 Buick Riviera?
  • Do I need more liability coverage?
  • How can I get my company to pay me more for my totalled car?
  • Should I get collision insurance on every vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don’t know the answers to these questions but you know they apply to you, you might consider 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 It only takes a few minutes and may give you better protection.

Insurance coverage breakdown

Knowing the specifics of insurance helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types available from insurance companies.

Collision coverage – Collision coverage will pay to fix damage to your Riviera resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like damaging your car on a curb, colliding with another moving vehicle, hitting a mailbox, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like rehabilitation expenses, prosthetic devices and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage – This protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Buick Riviera.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Liability coverages – This coverage can cover injuries or damage you cause to other’s property or people. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things like loss of income, legal defense fees, bail bonds and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as theft, falling objects and damage from flooding. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Don’t throw your cash in the trash

As you quote insurance, it’s very important that you do not buy poor coverage just to save money. There are many occasions where consumers will sacrifice physical damage coverage and discovered at claim time that it was a big mistake. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

We just showed you a lot of information how to compare 1996 Buick Riviera insurance prices online. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. You may even find the lowest prices are with a smaller regional carrier. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Progressive or Geico.

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