Lower Your 1998 Buick Riviera Car Insurance Cost

Want cheaper auto insurance rates for your Buick Riviera? I really doubt anyone gets a kick out of paying for auto insurance, especially when they are aware that the cost is too high.

People have so many auto insurance companies to choose from, and although it’s nice to have a choice, more options can take longer to compare rates and find the lowest cost auto insurance.

It’s smart to do rate comparisons periodically due to the fact that insurance prices change regularly. Just because you had the lowest price on Riviera coverage last year there may be better deals available now. Ignore everything you know about auto insurance because we’re going to demonstrate how to use the internet to eliminate unnecessary coverages and save money.

Buying car insurance is not that difficult. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. But vehicle owners can benefit by having an understanding of how big insurance companies price online insurance.

Take policy discounts and save

Companies that sell car insurance don’t always publicize every disount available very clearly, so the following list contains both the well known in addition to some of the lesser obvious credits available to bring down your rates.

  • Use Seat Belts – Forcing all vehicle occupants to buckle their seat belts could cut 10% or more off the PIP or medical payment premium.
  • Air Bag Discount – Factory air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Discounts for Federal Employees – Employees or retirees of the government could provide a small rate reduction on Riviera coverage depending on your company.
  • Good Student Discount – This discount may save as much as 25% on a insurance quote. You can use this discount normally up to age 25.
  • College Student Discount – Kids who live away from home at college without a vehicle on campus could get you a discount.
  • Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Drive Less and Save – Keeping the miles down on your Buick may enable drivers to earn substantially lower car insurancerates.

As a footnote on discounts, most of the big mark downs will not be given to the entire policy premium. Most cut individual premiums such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, companies wouldn’t make money that way.

A few popular companies and some of their more popular discounts are detailed below.

  • American Family offers discounts for early bird, multi-vehicle, Steer into Savings, accident-free, and bundled insurance.
  • Farm Bureau offers premium reductions for good student, youthful driver, multi-vehicle, 55 and retired, renewal discount, driver training, and safe driver.
  • State Farm has savings for driver’s education, passive restraint, defensive driving training, accident-free, student away at school, multiple autos, and Drive Safe & Save.
  • Travelers policyholders can earn discounts including new car, early quote, home ownership, multi-policy, and multi-car.
  • The Hartford has discounts for defensive driver, vehicle fuel type, anti-theft, bundle, and air bag.
  • Geico may offer discounts for membership and employees, five-year accident-free, emergency military deployment, good student, and defensive driver.
  • Progressive offers discounts including online signing, online quote discount, good student, multi-vehicle, continuous coverage, homeowner, and multi-policy.

When getting free insurance quotes, it’s a good idea to each company which discounts they offer. Some discounts listed above might not be available to policyholders in your area.

Affordable insurance coverage

The are a couple different ways to get quotes from lots of insurance coverage companies. The quickest method to do a complete rate comparison consists of shopping online. This can be done in several different ways.

One of the simplest ways to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This easy form keeps you from doing a different quote for every insurance coverage company. A single form gets you price quotes from multiple companies.

A more time consuming way to get quotes online is to manually visit each company website and fill out a new quote form. For example, let’s say you need rates from Farmers, 21st Century and Geico. You would be required to navigate to each company’s site and enter your policy data, which is why most consumers use the first method.

For a list of companies in your area, click here.

The method you choose is up to you, but be sure you’re using the same quote information on every price quote you get. If you are comparing different deductibles it will be very difficult to determine which rate is truly the best. Just a small difference in coverages may result in a large different in cost. Just keep in mind that comparing more rates from different companies increases the change that you will find more affordable rates. Not every company provides online price quotes, so you also need to get quotes from them as well.

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that For example, these questions might help in determining whether your personal situation could use an agent’s help.

  • At what point should I drop full coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • When would I need rental car insurance?
  • What are the financial responsibility laws in my state?
  • When should my teen driver be added to my policy?
  • What can I do if my company denied a claim?
  • Is rental equipment covered for theft or damage?
  • Is my custom paint covered by insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is business property covered if stolen from my car?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Coverages available on your auto insurance policy

Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverage types found on the average auto insurance policy.

Uninsured or underinsured coverage – This coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Buick Riviera.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive protection – This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, a broken windshield and damage from flooding. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverage – This can cover damage or injury you incur to a person or their property that is your fault. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that translate to $25,000 bodily injury coverage, 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 claims such as court costs, attorney fees and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision – Collision coverage covers damage to your Riviera caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a building, hitting a parking meter, colliding with a tree, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical expense coverage – Med pay and PIP coverage provide coverage for short-term medical expenses such as chiropractic care, prosthetic devices and hospital visits. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Cheaper insurance is a realistic goal

Lower-priced car insurance is attainable online and from local agencies, so you need to shop insurance with both to get a complete price analysis. Some insurance companies do not provide price quotes online and these smaller companies work with independent agents.

When shopping online for car insurance, it’s not a good idea to buy poor coverage just to save money. There have been many situations where an accident victim reduced liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at the best cost while not skimping on critical coverages.

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