1998 Buick Riviera Insurance Rates

Are you sick and tired of not being able to afford to insure your Buick every month? You’re in the same situation as the majority of other car owners.

Insurance companies such as Progressive, State Farm and Geico persitently shower you with fancy advertisements and it is challenging if not impossible to see through the cute green geckos and mayhem and find the best price available.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you is not rocket science. But drivers need to have an understanding of how insurance companies price online insurance and apply this information to your search.

Finding Insurance

Most major insurance companies like Progressive, Allstate and Geico allow you to get coverage prices online. Obtaining pricing is pretty easy as you just enter the amount of coverage you want as requested by the quote form. Behind the scenes, their rating system orders your driving record and credit report and generates pricing information based on these and other factors. Quoting online makes comparing rates easy, but having to visit many different websites and fill out multiple forms can get tiresome after awhile. But it’s absolutely necessary to compare as many rates as possible in order to get a lower rate.

There is an easier way!

The quickest way to find cheaper rates makes use of a single form to return rates from several companies at one time. It saves time, helps eliminate reptitive entry, and makes online quotes much easier to do. As soon as the form is sent, your coverage is rated and you can select any one of the quote results.

If a lower price is quoted, you simply finish the application and buy the policy. This process just takes a couple of minutes and may save quite a bit of money.

To quickly find out how much you can save on insurance, click here to open in new window and fill out the form. If you have coverage now, it’s recommended you type in the insurance coverages identical to your current policy. Using the same limits helps guarantee you will have a price comparison for the exact same coverage.

You probably qualify for some discounts

Car insurance can cost a lot, but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be triggered automatically when you quote, but some must be asked about in order for you to get them.

  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Early Signing – Select companies give a discount for switching to them prior to your current policy expiration. This can save 10% or more.
  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Memberships – Participating in a civic or occupational organization could qualify you for a break when shopping for insurance coverage on Riviera insurance.
  • E-sign – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Driver Safety – Taking part in a driver safety course could cut 5% off your bill if you qualify.
  • Multiple Cars – Insuring all your vehicles on one policy qualifies for this discount.
  • Homeowners Pay Less – Owning a home may trigger a insurance coverage policy discount because maintaining a house shows financial diligence.

Drivers should understand that many deductions do not apply to the entire cost. Most only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates you can get free auto insurance, you’re out of luck. Any qualifying discounts will help reduce your overall premium however.

To see a list of insurance companies who offer insurance coverage discounts, follow this link.

There’s no such thing as the perfect policy

When it comes to choosing coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might help in determining whether or not you will benefit from professional help.

  • Do I need motorclub coverage?
  • Am I covered when using my vehicle for business?
  • Exactly who is provided coverage by my policy?
  • How do I buy GAP insurance?
  • Am I covered if I drive in a foreign country?
  • Am I better off with higher deductibles on my 1998 Buick Riviera?
  • Does coverage extend to Mexico or Canada?
  • Do I really need UM/UIM coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

Factors influencing Buick Riviera insurance rates

An important part of buying insurance is that you know the different types of things that come into play when calculating your insurance rates. Knowing what controls the rates you pay enables informed choices that may reward you with big savings.

  • Pleasure use or commuting – The more miles you rack up on your Buick in a year the more you will pay for insurance. Most companies charge to insure your cars based on how the vehicle is used. Cars and trucks not used for work or commuting receive lower rates than those used for commuting. Improper usage on your Riviera can cost quite a bit. Ask your agent if your insurance policy shows how each vehicle is driven, because improper ratings can cost you money.
  • Traffic violations increase rates – Your driving record has a huge affect on how much you pay. Good drivers receive lower rates than people who have multiple driving citations. Just one citation can increase rates by twenty percent. Drivers who get severe violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
  • How many coverages with the same company – Many insurance companies provide better rates to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to shop around to ensure the best deal.
  • Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for insurance? Occupations like real estate brokers, architects and dentists are shown to have the highest average rates attributed to high stress levels and long work days. Other professions such as farmers, historians and homemakers pay the least on Riviera insurance.

Insurance coverages and their meanings

Having a good grasp of your policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types offered by insurance companies.

Auto liability insurance

This coverage protects you from damage or injury you incur to a person or their property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like court costs, structural damage, funeral expenses, emergency aid and medical services. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, a tree branch falling on your vehicle and vandalism. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses for rehabilitation expenses, funeral costs, EMT expenses and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Collision protection

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a building, rolling your car, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

A penny earned…

As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at the best price while still protecting your assets.

Low-cost 1998 Buick Riviera insurance can be purchased on the web in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. Some companies do not provide online quoting and most of the time these small, regional companies sell through independent agents.

We just showed you a lot of tips how to compare insurance prices online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with a company that doesn’t do a lot of advertising. These companies may often insure only within specific states and give getter rates than their larger competitors like State Farm or Progressive.

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