Lower Your 1995 Buick Riviera Car Insurance Cost

Trying to find cheaper car insurance rates for your Buick Riviera? There isn’t anyone who likes buying car insurance, in particular when the cost is too high. There is such a variety of auto insurance companies to purchase coverage from, and although it’s a good thing to have multiple companies, so many choices can make it hard to find the best rates.

Smart consumers take time to shop coverage around periodically due to the fact that insurance rates tend to go up over time. Even if you got the best rate for Riviera coverage two years ago you may be paying too much now. There is lot of inaccurate information about car insurance online, but by reading this article, you’re going to learn some of the best techniques to lower your car insurance bill.

Drivers can save with these money-saving discounts

Some insurance providers don’t always publicize the complete list of policy discounts in a way that’s easy to find, so the following is a list of both the well known and also the lesser-known credits available to lower your premiums when you buy insurance online.

  • Discount for New Cars – Buying coverage on a new vehicle may earn a small discount because new vehicles keep occupants safer.
  • Senior Citizen Rates – If you qualify as a senior citizen, you could receive a small decrease in premiums for Riviera coverage.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Good Student Discount – Excelling in school may save you up to 25%. You can use this discount normally well after school through age 25.
  • Discount for Swiching Early – A few insurance companies give discounts for buying a new policy prior to your current policy expiring. It can save you around 10%.
  • Defensive Driver Discounts – Passing a driver safety course may get you a small discount and easily pay for the cost of the class.
  • Pay Early and Save – If you pay your entire premium ahead of time as opposed to paying monthly you can avoid the installment charge.

You should keep in mind that some credits don’t apply the the whole policy. Most only apply to the cost of specific coverages such as medical payments or collision. Even though it may seem like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous. But all discounts will lower your insurance coverage premiums.

To choose providers that offer the discounts shown above, click here.

Buy insurance coverage online

Getting a cheap price on 1995 Buick Riviera insurance is an easy way to save money. All you need to do is take the time comparing free insurance quotes from some recommended companies. You can get a good selection of rate quotes using one of these methods.

  1. If you’re in a hurry, the quickest way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This easy form prevents you from having to do multiple quote forms for every company. One simple form will get you price quotes from insurance coverage companies with the best prices.
  2. Another way to shop for insurance coverage online consists of visiting each company website to request a price quote. For instance, let’s assume you want to compare rates from Nationwide, Allstate and Travelers. You would need to take the time to go to each site to enter the same coverage data repeatedly, and that explains why we recommend the first method.

    For a list of links to insurance companies in your area, click here.

Whichever way you choose to compare rates, make sure you compare exactly the same coverage limits for each price quote. If the quotes have unequal deductibles or liability limits it will be very difficult to make an equal comparison.

Do I need special coverages?

When it comes to buying the right insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that might help in determining whether or not you might need professional guidance.

  • What if I total my 1995 Buick Riviera and owe more than it’s worth?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I carry comprehensive and collision coverage?
  • Do I need replacement cost coverage?
  • Do I have coverage when using my vehicle for my home business?
  • If I drive on a suspended license am I covered?
  • Can I afford to pay high deductible claims out of pocket?
  • Is business property covered if stolen from my car?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Specific coverages for a Buick Riviera

Learning about specific coverages of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most insurance policies.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for bills for prosthetic devices, nursing services, chiropractic care and pain medications. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage protection

This pays for damage to your Riviera resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a ditch, colliding with a tree, hitting a parking meter, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Buick Riviera.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like fire damage, hitting a bird and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverages

This provides protection from damage or injury you incur to other people or property by causing an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as emergency aid, medical services and court costs. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

In Summary

When getting insurance quotes online, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where an insured dropped liability coverage limits only to find out that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage at a price you can afford but still have enough coverage for asset protection.

We covered a lot of ways to save on 1995 Buick Riviera insurance. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising. These smaller insurers can often provide lower auto insurance rates in certain areas than their larger competitors like Allstate, GEICO and Progressive.

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