Cheap 1993 Buick Riviera Car Insurance Rates

Searching for cheaper auto insurance rates for your Buick Riviera? If you are a novice to online auto insurance shopping, it’s easy to get confused by the sheer number of online companies offering insurance.

If you have car insurance now, you stand a good chance to be able to save some money using these techniques. The purpose of this post is to familiarize you with how to get online quotes and some money-saving tips. Although consumers can benefit from knowing how companies sell insurance online.

Comprehensive Car Insurance Comparison

When shopping for car insurance there are multiple ways to compare rate quotes and find the best price. The best method to find the cheapest 1993 Buick Riviera insurance rates is simply to get online rate quotes. This can be done in several different ways.

  1. The fastest way to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This form prevents you from having to do repetitive form submissions to each individual car insurance company. A single form will return quotes from multiple companies. It’s the fastest way to compare.
  2. A more time consuming way to compare prices is spending the time to visit each company website and complete a new quote form. For examples sake, we’ll pretend you want rates from USAA, Geico and State Farm. You would have to visit each site and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
  3. The most time-consuming way of comparing rate quotes is to spend your day driving to different agent offices. Buying insurance online can eliminate the need for a local agent unless you want the personal advice of a local agent. It is possible to obtain prices from the web and still use a local agent and you’ll learn how to do that later.

It doesn’t matter which method you choose, just be sure to compare the exact same information on every quote you get. If you are comparing different limits and deductibles on each one you will not be able to determine which rate is truly the best. Quoting even small variations in insurance coverages could mean much higher rates. Just remember that comparing a large number of companies will enable you to find the best offered rates.

More discounts equal less premium

Car insurance can cost a lot, but companies offer discounts to help bring down the price. Some discounts apply automatically at quote time, but lesser-known reductions have to be asked about prior to getting the savings.

  • No Charge for an Accident – Some insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Low Mileage Discounts – Fewer annual miles on your Buick could be rewarded with a substantially lower rate.
  • College Student – Children living away from home attending college without a vehicle on campus can receive lower rates.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount for Riviera insurance with certain companies.
  • Multiple Policy Discount – If you have multiple policies with the same company you may earn approximately 10% to 15%.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance.

Drivers should understand that many deductions do not apply to the entire cost. Most only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way. Any qualifying discounts will cut your premiums.

Car insurance companies that may offer these money-saving discounts are:

Check with each insurance company how you can save money. All car insurance discounts might not be offered in your area.

It’s not one size fits all

When it comes to choosing the best car insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions can aid in determining whether you would benefit from professional advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I buy full coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Will my rates increase for filing one claim?
  • When can my company non-renew my policy?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form.

Auto insurance coverage considerations

Learning about specific coverages of your auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like scraping a guard rail, sideswiping another vehicle, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.


This will cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair costs for stationary objects, repair bills for other people’s vehicles, emergency aid and bail bonds. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses for nursing services, doctor visits, dental work, chiropractic care and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, theft, rock chips in glass, vandalism and hail damage. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Buick Riviera.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Never pay more for less

People who switch companies do it for a number of reasons such as extreme rates for teen drivers, delays in paying claims, being labeled a high risk driver and lack of trust in their agent. It doesn’t matter what your reason, switching car insurance companies is less work than it seems.

In this article, we covered some good ideas how you can lower your 1993 Buick Riviera insurance rates. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Drivers may discover the best price on car insurance is with the smaller companies.

As you prepare to switch companies, don’t be tempted to buy poor coverage just to save money. In many instances, consumers will sacrifice collision coverage and found out when filing a claim that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at a price you can afford.

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