Save on 1996 Buick Riviera Insurance Rates

Looking for cheaper insurance rates for your Buick Riviera? Finding cheaper insurance for a Buick Riviera could be a lot of work, but you can use these tips to make it easier. There is a better way to buy insurance and we’ll show you the best way to quote coverages for a Buick and obtain the best price possible from local insurance agents and online providers.

Discounts are basically free money

Car insurance companies don’t always publicize all their discounts in an easy-to-find place, so we researched some of the best known as well as the least known discounts you could be receiving. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Senior Discount – Older drivers can possibly qualify for reduced rates for Riviera coverage.
  • Homeowners Savings – Owning a home can help you save on insurance because owning a home requires personal responsibility.
  • No Claims – Drivers who don’t have accidents pay less when compared with accident-prone drivers.
  • Student in College – Youth drivers who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Memberships – Belonging to a qualifying organization could trigger savings when buying insurance for Riviera coverage.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way.

To see a list of providers with the best insurance discounts, follow this link.

How to Compare Insurance

Performing a rate comparison is a ton of work if you aren’t aware of the fastest way to get free quotes. You could waste time talking to insurance companies in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Many of the larger companies participate in an industry program that enables customers to enter their policy data once, and each company can give them a price for coverage. This prevents consumers from doing quote requests for each company. To enter your information into the quoting system, click here to open in new window.

The single downside to pricing coverage this way is you are unable to specify which providers you want to price. If you prefer to choose specific insurance companies to request quotes from, we have a listing of companies who write insurance in your area. View list of insurance companies.

Whichever way you use, make sure you use the exact same information on every quote. If you compare mixed coverages it’s not possible to decipher which rate is best.

Which insurance is the “right” coverage?

When it comes to choosing the best insurance coverage coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether or not you would benefit from an agent’s advice.

  • Is my teen driver covered when they drive my company car?
  • Should I carry comprehensive and collision coverage?
  • Does medical payments coverage apply to all occupants?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is extra glass coverage worth it?
  • Is my dog or cat covered if injured in an accident?
  • When should I not file a claim?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Can I get a multi-policy discount?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

What auto insurance coverages do you need?

Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from getting keyed, rock chips in glass, theft, a broken windshield and fire damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

Collision insurance will pay to fix damage to your Riviera resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a building, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Liability insurance

This coverage protects you from damage that occurs to people or other property in an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like repair costs for stationary objects, medical expenses, repair bills for other people’s vehicles, medical services and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Buick Riviera.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like prosthetic devices, hospital visits, chiropractic care, pain medications and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Keep this in mind

Cheap 1996 Buick Riviera insurance is possible both online and with local insurance agents, and you need to price shop both so you have a total pricing picture. A few companies do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

Drivers switch companies for a variety of reasons including delays in responding to claim requests, policy non-renewal, lack of trust in their agent or policy cancellation. It doesn’t matter what your reason, finding a new company can be pretty painless.

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where someone dropped liability limits or collision coverage and discovered at claim time that they should have had better coverage. The proper strategy is to buy enough coverage for the lowest price while not skimping on critical coverages.

To learn more, link through to the articles below: