1997 Buick Riviera Insurance Cost – 8 Tips for Best Prices

I can’t think of a single person who looks forward to buying car insurance, especially when the cost is way too high. Numerous car insurance companies battle for your hard-earned dollar, so it can be very hard to choose a insurer to get the best rates possible.

Insurance Quote Comparison

Performing a rate comparison can be a daunting task if you don’t utilize the most efficient way to do it. You could spend your day discussing policy coverages with insurance companies in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Many insurance companies take part in a program that enables customers to complete one form, and at least one company then gives them pricing based on that information. This system prevents you from having to do repetitive form submissions to each company.

To compare 1997 Buick Riviera rates now click here to open in new window.

The single downside to getting quotes like this is you can’t choose the companies to receive prices from. So if you prefer to pick specific providers for rate comparison, we have assembled a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, ensure you are comparing exactly the same deductibles and coverage limits for every company. If you have different deductibles it will be very difficult to make an equal comparison.

Tailor your coverage to you

When choosing the right insurance coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions may help highlight if you would benefit from an agent’s advice.

  • When would I need rental car insurance?
  • Is my trailer covered?
  • Should I rate my 1997 Buick Riviera as pleasure use or commute?
  • Should I get collision insurance on every vehicle?
  • Is my 1997 Buick Riviera covered for smoke damage?
  • Are my friends covered when driving my car?

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 don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area. It is quick, free and you can get the answers you need.

Specific coverages for a 1997 Buick Riviera

Learning about specific coverages of a insurance policy helps when choosing the best coverages for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Liability car insurance

This can cover damage that occurs to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like legal defense fees, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Comprehensive protection

This coverage 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 pays for things such as rock chips in glass, hitting a deer, hail damage and vandalism. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as scraping a guard rail, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Medical expense coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like X-ray expenses, ambulance fees, doctor visits and pain medications. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible