Lower Your 1992 Buick Riviera Insurance Quotes

No one looks forward to paying for car insurance, especially when the price is too high.

Multiple auto insurance companies compete for your insurance dollar, so it can be very hard to choose a provider and uncover the absolute cheapest price

You need to compare prices quite often because prices are adjusted regularly by insurance companies. Just because you had the best deal on Riviera coverage a couple years back there is a good chance you can find better rates now. Starting now, ignore everything you know about car insurance because we’re going to show you how to use online quotes to save money, get proper coverage and the best rates.

If you currently have car insurance, you should be able to save some money using these tips. Finding the best rates is easy if you know what you’re doing. Although vehicle owners must comprehend the way insurance companies sell insurance online and use this information to your advantage.

Comprehensive Car Insurance Comparison Quotes

The are a couple different ways of comparing rate quotes from different insurance companies. The fastest way to compare 1992 Buick Riviera insurance prices is to perform an online rate comparison. It is quite easy and can be accomplished in a couple of different ways.

  1. The fastest way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This type of form eliminates the need for a different quote for each company. Just one form gets you coverage quotes from multiple companies.
  2. A different way to compare prices requires a visit to each company’s website to complete a price quote. For instance, we’ll assume you want comparison quotes from Progressive, Esurance and Farmers. To get rate quotes you would need to take the time to go to each site and enter your information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The hardest way of comparing rate quotes is to drive around to and from local insurance agencies. Shopping for car insurance online can eliminate the need for a local agent unless you require the trained guidance that only a license agent can provide. You can, however, find lower rates online and get advice from an agent in your area and you’ll learn how to do that later.

However you get your quotes, double check that you are using the exact same coverages for each comparison quote. If the quotes have different limits and deductibles on each one you can’t possibly make a fair comparison for your Buick Riviera. Just a small difference in coverage limits may result in large price differences. And when comparison shopping, comparing a large number of companies will increase your chances of finding better pricing.

There’s no such thing as the perfect policy

When choosing the best insurance coverage, there really is no one size fits all plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that can help discover if you would benefit from an agent’s advice.

  • How high should my medical payments coverage be?
  • Is business equipment covered while in my vehicle?
  • Is my ex-spouse still covered by my policy?
  • What is high-risk coverage and where do I buy it?
  • What can I do if my company denied a claim?
  • Is my dog or cat covered if injured in an accident?

If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Coverages available on your policy

Knowing the specifics of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most insurance policies.

Protection from uninsured/underinsured drivers

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Buick Riviera.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive (Other than Collision)

This pays for 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 coverage pays for things such as vandalism, hitting a deer and rock chips in glass. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance

Med pay and PIP coverage kick in for short-term medical expenses for things like nursing services, dental work, EMT expenses and hospital visits. 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 not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Collision protection

This coverage covers damage to your Riviera from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with a tree, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Coverage for liability

This coverage can cover damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

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 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for things such as medical services, repair bills for other people’s vehicles, pain and suffering, funeral expenses and attorney fees. How much coverage you buy is up to you, but buy as much as you can afford.