1990 Buick Riviera Insurance Quotes

Finding the most affordable auto insurance online can be challenging for people who are new to comparison shopping online. With dozens of online companies available, how can you possibly compare the different rates to find the best price?

It’s smart to do rate comparisons yearly because insurance rates are usually higher with each renewal. Even if you got the best price on Riviera insurance six months ago you can probably find a better price now. There is a lot of wrong information about auto insurance online, so with this article, you’re going to get some of the best ways to slash your auto insurance rates.

Pay less by taking advantage of discounts

Insurance can be prohibitively expensive, but you can get discounts to cut the cost considerably. Most are applied at the time you complete a quote, but some must be asked about before being credited.

  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Paperless Signup – A handful of insurance companies will give a small break simply for signing online.
  • Good Student – Performing well in school can get you a discount of up to 25%. This discount can apply until age 25.
  • Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.
  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount on Riviera insurance with certain companies.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school.
  • Distant Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Organization Discounts – Being a member of certain professional organizations could qualify you for a break on insurance on Riviera insurance.
  • Seat Belts Save – Requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will cut the cost of coverage.

To see a list of insurance companies with discount insurance rates, click this link.

Your coverage should be tailored to you

When it comes to buying coverage, there really is not a cookie cutter policy. Every insured’s situation is different.

For instance, these questions could help you determine if your situation would benefit from professional advice.

  • Can my babysitter drive my car?
  • Am I covered if I hit a deer?
  • When can my company non-renew my policy?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does coverage extend to Mexico or Canada?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered if I wreck a rental car?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What is the minimum liability in my state?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance coverages

Learning about specific coverages of your policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like funeral costs, hospital visits and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Buick Riviera.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages are set the same as your liablity limits.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix 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 claims such as rock chips in glass, fire damage, damage from a tornado or hurricane and damage from flooding. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability coverage can cover damage or injury you incur to other people or property by causing an accident. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like emergency aid, legal defense fees, bail bonds and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

This 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 protects against claims such as rolling your car, scraping a guard rail, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Coverage on a shoestring budget

Insureds change insurance companies for a number of reasons such as extreme rates for teen drivers, policy non-renewal, high prices or even delays in responding to claim requests. Whatever your reason, finding a new auto insurance company is easier than you think.

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at an affordable rate while still protecting your assets.

In this article, we presented many tips how you can save on 1990 Buick Riviera insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even find the best price on auto insurance is with a small mutual company.

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