1995 Buick Riviera Insurance Rates – 5 Discounts for Cheaper Quotes

Looking for lower insurance rates for your Buick Riviera? Finding low-cost insurance for a new or used Buick Riviera can be difficult, but you can use the following methods to save time.

There is a better way to shop for insurance and we’ll show you the proper way to compare rates on a Buick and locate the lowest price from local insurance agents and online providers.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but you may find discounts that can drop the cost substantially. Some discounts apply automatically at quote time, but lesser-known reductions have to be specially asked for in order for you to get them. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Homeowners Pay Less – Owning a house may earn you a small savings because of the fact that having a home requires personal responsibility.
  • One Accident Forgiven – A few companies permit an accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Life Insurance Discount – Some companies give a discount if you purchase life insurance.
  • College Student – Any of your kids living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Good Student – Performing well in school can earn a discount of 20% or more. This discount can apply until age 25.

It’s important to understand that most discount credits are not given the the whole policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you can get free auto insurance, it just doesn’t work that way. Any amount of discount will bring down the cost of coverage.

Companies that possibly offer these money-saving discounts are:

It’s a good idea to ask every prospective company what discounts are available to you. All car insurance discounts might not apply in every state.

Tailor your coverage to you

When buying adequate coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine whether your personal situation would benefit from an agent’s advice.

  • Am I covered if my car is in a flood?
  • Is my camper covered by my car insurance policy?
  • Is a blown tire covered by insurance?
  • Does my 1995 Buick Riviera need full coverage?
  • Am I missing any policy discounts?
  • How high should my medical payments coverage be?
  • Is my nanny covered when driving my vehicle?
  • Why am I required to buy high-risk coverage?
  • How can I force my company to pay a claim?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Car insurance coverages for a 1995 Buick Riviera

Knowing the specifics of your auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

UM/UIM Coverage – Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Buick Riviera.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for bills for ambulance fees, rehabilitation expenses, dental work and pain medications. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability – Liability insurance protects you from damage that occurs to other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like structural damage, legal defense fees, loss of income and attorney fees. 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.

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as theft, damage from a tornado or hurricane, hitting a bird, falling objects and a broken windshield. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverages – Collision insurance covers damage to your Riviera resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as scraping a guard rail, driving through your garage door, hitting a mailbox, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Be a smart shopper

People who switch companies do it for many reasons like unfair underwriting practices, high rates after DUI convictions, denial of a claim and questionable increases in premium. It doesn’t matter why you want to switch finding a new company is actually quite simple.

We covered a lot of tips how to shop for 1995 Buick Riviera insurance online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the biggest savings come from some of the lesser-known companies.

Cheaper insurance can be purchased both online in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. Some companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

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