Compare 1993 Buick Riviera Car Insurance Quotes

I can’t think of anyone who looks forward to paying for car insurance, particularly when the cost is too high.

Since vehicle owners have many different company options, it can be impossible to pick a more affordable car insurance provider.

Auto insurance companies offer many discounts

Car insurance companies don’t always publicize every discount in a way that’s easy to find, so the below list has a few of the more well known and also the lesser-known credits available to bring down your rates.

  • Good Student – Being a good student can save 20 to 25%. You can use this discount normally until age 25.
  • Early Switch Discount – A few larger companies offer discounts for switching to them before your current coverage expires. You may see this discount when you get car insurance quotes online.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for Riviera coverage.
  • E-sign – Certain insurance companies will give a small break for signing up on your computer.
  • Military Deployment Discount – Having a deployed family member could trigger a small discount.
  • Claim Free – Drivers who don’t have accidents pay less when compared with drivers who are more careless.
  • Discounts for New Vehicles – Insuring a vehicle that is new can save you some money since newer models are generally safer.

Don’t be surprised that most of the big mark downs will not be given to all coverage premiums. Most cut the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky.

If you would like to view insurers who offer free auto insurance quotes, follow this link.

Components of your Buick Riviera insurance rates

Part of the auto insurance buying process is learning some of the elements that aid in calculating the price you pay for auto insurance. If you have some idea of what determines base rates, this enables you to make decisions that may reward you with big savings. Lots of things are part of the equation when quoting car insurance. Some are pretty understandable like an MVR report, although some other factors are not quite as obvious such as your marital status or your financial responsibility.

  • Poor credit decisions can cost you – Having a bad credit score can be an important factor in calculating your auto insurance rates. If your credit history can use some improvement, you could be paying less to insure your 1993 Buick Riviera if you clean up your credit. Consumers who have excellent credit scores tend to file fewer claims and have better driving records than drivers who have poor credit.
  • Keep rates low by being claim-free – If you frequently file small claims, you shouldn’t be surprised to get higher rates. Car insurance companies provide better rates to people that do not abuse their auto insurance. Your insurance policy is designed for more catestrophic claims.
  • Extra coverages that aren’t used – Insurance policies have a lot of additional extra coverages you can purchase on your auto insurance policy. Coverage for things like coverage for rental cars, towing coverage, and motor club memberships may be wasting your money. The coverages may be enticing when talking to your agent, but if you have no use for them get rid of them and save.
  • Premiums are lower the older you get – Older people are more cautious drivers, tend to file fewer claims and receive fewer citations.Beginning drivers are known to be more careless when behind the wheel so they pay higher auto insurance rates.

Do I just need basic coverages?

When buying coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether your personal situation might need an agent’s assistance.

  • Do I need higher collision deductibles?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I need to file an SR-22 for a DUI in my state?
  • Where can I find DUI or SR-22 insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I have coverage when making deliveries for my home business?
  • Is business property covered if stolen from my car?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is my state a no-fault state?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Insurance coverage breakdown

Understanding the coverages of a insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages found on most insurance policies.

Medical expense insurance – Med pay and PIP coverage pay for immediate expenses for things like funeral costs, rehabilitation expenses, surgery, hospital visits and chiropractic care. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverage – Collision coverage will pay to fix damage to your Riviera resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a ditch, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Buick Riviera.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability coverages – This coverage can cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as repair bills for other people’s vehicles, medical services and funeral expenses. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Comprehensive (Other than Collision) – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, falling objects, damage from a tornado or hurricane and hitting a deer. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Make an honest buck

We’ve covered some good ideas how to lower your 1993 Buick Riviera insurance rates. The key concept to understand is the more price quotes you have, the better likelihood of getting inexpensive car insurance. You may be surprised to find that the biggest savings come from some of the smallest insurance companies. Some small companies may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as State Farm or Progressive.

Cheaper 1993 Buick Riviera insurance is attainable both online in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money. A few companies don’t offer rate quotes online and these small, regional companies provide coverage only through local independent agents.

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