Compare 1991 Buick Riviera Car Insurance Cost

Getting the most affordable car insurance can appear to be rather difficult for people new to quoting and comparing prices online. With such a large number of insurers available, how can anyone possibly compare them all to find the lowest price available?

You need to check car insurance prices on a regular basis because insurance prices tend to go up over time. If you had the lowest price on Riviera coverage a couple years back other companies may now be cheaper. Block out anything you think you know about car insurance because you’re about to find out how to use online quotes to find great coverage at a great price.

If you have car insurance now, you will most likely be able to cut costs considerably using this information. The purpose of this post is to tell you how car insurance quotes work and some tips to save money. Nevertheless, drivers can benefit from knowing the way insurance companies sell insurance online and take advantage of how the system works.

Insurance Discounts

Insurance is easily one of your largest bills, but you might find some hidden discounts to help offset the cost. Some trigger automatically at the time you complete a quote, but some must be manually applied before you will receive the discount.

  • Drive Safe and Save – Insureds without accidents could pay up to 40% less on Riviera coverage as compared to drivers with claims.
  • Defensive Driver – Completing a course in safe driver can save you 5% or more and make you a better driver.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
  • Multi-policy Discount – When you have multiple policies and insure them with the same company you may save at least 10% off all policies.
  • Driver Education Discount – Cut your cost by having your teen driver sucessfully take a drivers education course in school or through a local driver safety program.

Policy discounts save money, but most credits do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like you would end up receiving a 100% discount, nobody gets a free ride.

Larger insurance companies and some of the premium reductions they offer are detailed below.

  • State Farm has savings for Drive Safe & Save, student away at school, driver’s education, passive restraint, and multiple policy.
  • GEICO offers premium reductions for federal employee, seat belt use, anti-lock brakes, defensive driver, multi-vehicle, anti-theft, and good student.
  • SAFECO may include discounts for anti-lock brakes, bundle discounts, accident prevention training, homeowner, multi-car, safe driver, and teen safe driver.
  • Farmers Insurance policyholders can earn discounts including homeowner, mature driver, distant student, early shopping, alternative fuel, and youthful driver.
  • AAA offers discounts including multi-policy, anti-theft, multi-car, good student, pay-in-full, and good driver.
  • USAA has discounts for driver training, multi-vehicle, vehicle storage, new vehicle, military installation, family discount, and annual mileage.

Check with every insurance company the best way to save money. Savings may not be available in your area. To see a list of providers who offer insurance discounts, click this link.

Learn how to lower your insurance premiums

A large part of saving on insurance is knowing the rating factors that come into play when calculating your premiums. If you understand what influences your rates, this allows you to make good choices that will entitle you to cheaper rates. Lots of factors are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but other criteria are less apparent such as your credit history or your commute time.

The items below are a partial list of the pieces used by insurance companies to determine your premiums.

  • Rates can drop if you have more than one policy – Lots of companies will award lower prices to customers who consolidate policies with them such as combining an auto and homeowners policy. Even if you already get this discount, consumers should still comparison shop to ensure the best deal. It’s possible to still save even more than the discount by splitting coverages up.
  • Higher insurance rates for specific employers – Jobs like fire fighterspolice officers and dentists generally pay higher rates than the rest of us because of intense work requirements and lots of time spent at work. On the flip side, careers such as actors, athletes and retirees have lower than average premiums on Riviera coverage.
  • Cheaper prices with safer cars – Safe vehicles tend to have better insurance rates. Safer cars reduce the chance of injuries and lower rates of occupant injuries means less money paid by your insurance company and thus lower rates.
  • Keep insurance claims to a minimum – Insurance companies give the best rates to drivers who file claims infrequently. If you are a frequent claim filer, you can definitely plan on much higher rates or policy non-renewal. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Never let your insurance policy lapse – Not having insurance is illegal and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. Not only will rates go up, being ticketed for driving with no insurance could result in a license revocation or jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • High coverage deductibles equal low rates – The deductibles you choose are the amount of money you are willing to pay out-of-pocket if the claim is covered. Insurance for physical damage to your car, also called ‘full coverage’, insures against damage to your car. Some examples of claims that would be covered would be rearending another vehicle, hail damage, and having a roll-over accident. The more damage repair cost you have to pay, the better rate you will receive on Riviera coverage.
  • Do you really need the extra policy coverages? – There are a ton of add-on coverages that sound like a good idea at the time if you aren’t careful. Coverages like rental car coverage, accidental death, and membership fees could be just wasting money. These coverages may sound good initially, but your needs may have changed so remove them from your policy.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight if your situation may require specific advice.

  • Why do I need rental car insurance?
  • Am I getting all the discounts available?
  • Will my rates increase for filing one claim?
  • Am I covered when using my vehicle for business?
  • Can I get a multi-policy discount?
  • Do I pay less for low miles?
  • Does medical payments coverage apply to all occupants?
  • Can my teen driver be rated on a liability-only vehicle?
  • If my pet gets injured in an accident are they covered?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Does car insurance advertising bend the truth?

Progressive, GEICO, Allstate and State Farm endlessly run ads on TV and radio. They all seem to make the same claim of big savings if you change your car insurance coverage to their company. But how can every company sell you cheaper insurance coverage?

Many companies provide the lowest rates for the right customer that will generate a profit. For instance, a preferred risk may need to be between the ages of 30 and 50, has a low-risk occupation, and the vehicle is rated for pleasure use. A driver who fits that profile receives the best premium rates and will save quite a bit of money when switching.

Drivers who are not a match for the “perfect” profile will get a more expensive rate which leads to the customer not buying. The wording the ads use say “drivers that switch” not “everyone that quotes” save that much when switching. This is how companies can make it sound like they have such great rates.

Each company has different criteria, so you really should compare price quotes frequently. You cannot predict which car insurance company will give you the biggest savings.

Car insurance coverages for a Buick Riviera

Learning about specific coverages of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like colliding with another moving vehicle, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to increase the deductible to bring the cost down.

Liability coverages

Liability coverage will cover damage that occurs to other people or property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined 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, emergency aid, attorney fees and bail bonds. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like falling objects, damage from getting keyed, fire damage and hitting a bird. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as surgery, nursing services, EMT expenses, prosthetic devices and rehabilitation expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Buick Riviera.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Find Good Coverage for Less

People leave their current company for a number of reasons such as policy cancellation, high prices, an unsatisfactory settlement offer or delays in paying claims. It doesn’t matter what your reason, finding the right insurance coverage provider is pretty simple and you could end up saving a buck or two.

Low-cost 1991 Buick Riviera insurance is possible online in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance coverage companies may not provide the ability to get quotes online and these smaller providers work with independent agents.

We just showed you a lot of information how to reduce 1991 Buick Riviera insurance car insurance rates online. The key concept to understand is the more companies you get premium rates for, the better chance you’ll have of finding cheap auto insurance. You may even find the lowest priced insurance coverage comes from some of the smallest insurance companies.

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