Cheap 1998 Buick Riviera Insurance Cost

Searching for lower car insurance rates for your Buick Riviera? Frustrated by the number of car insurance providers? Vehicle owners have so many options that it is more work than you anticipated to find lower car insurance rates.

It is always a good idea to price shop coverage before your policy renews because insurance prices are adjusted regularly by insurance companies. Even if you got the lowest rates for Riviera insurance six months ago you may be paying too much now. There is a lot of wrong information about car insurance out there, but in just a couple of minutes you can learn a bunch of ideas how to slash your car insurance rates.

Finding the best protection is quite easy. In a nutshell, everyone who carries insurance will be able to cut their insurance bill. But drivers do need to understand the way insurance companies market on the web and take advantage of how the system works.

Lower rate quotes by getting discounts

Some insurance providers don’t always advertise every disount available very well, so we took the time to find some of the more common and the harder-to-find insurance coverage savings.

  • Driver Education Discount – Teen drivers should complete a driver education course as it will make them better drivers and lower rates.
  • Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control have fewer accidents and the ABS can save up to 10%.
  • First Accident Forgiveness – This isn’t a discount exactly, but companies like Progressive and Allstate will let one accident slide before raising your premiums if your claims history is clear prior to being involved in the accident.
  • Save with More Vehicles Insured – Insuring more than one vehicle on the same insurance coverage policy may reduce the rate for each vehicle.
  • Federal Government Employee – Employees or retirees of the government could provide a small rate reduction for Riviera insurance with select insurance companies.
  • Payment Method – If you pay your entire premium ahead of time as opposed to paying monthly you could save 5% or more.
  • Smart Student Discounts – This discount could provide a savings of up to 20% or more. You can use this discount normally up to age 25.
  • Use Seat Belts – Forcing all vehicle occupants to fasten their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts could see savings up to 30%.
  • Discount for Home Ownership – Owning a home can help you save on insurance coverage because maintaining a house is proof that your finances are in order.

Don’t be shocked that most credits do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like you can get free auto insurance, insurance coverage companies aren’t that generous.

Popular insurance coverage companies and some of the discounts are detailed below.

  • GEICO discounts include defensive driver, anti-theft, emergency military deployment, anti-lock brakes, military active duty, seat belt use, and multi-policy.
  • MetLife may offer discounts for multi-policy, accident-free, good student, claim-free, and good driver.
  • State Farm offers discounts including good driver, Drive Safe & Save, anti-theft, safe vehicle, student away at school, multiple autos, and passive restraint.
  • Progressive may include discounts for homeowner, good student, multi-policy, online signing, multi-vehicle, and continuous coverage.
  • Mercury Insurance offers discounts for good driver, type of vehicle, annual mileage, accident-free, low natural disaster claims, and anti-theft.
  • 21st Century has savings for anti-lock brakes, student driver, theft prevention, good student, and defensive driver.
  • Allstate offers premium reductions for utility vehicle, premier discount, auto/life discount, resident student, and multi-policy.

When getting free insurance quotes, it’s a good idea to each company or agent how many discounts you can get. Some discounts might not be offered on policies in your area. If you would like to view insurance coverage companies with discount insurance coverage rates, click here.

Components of your Buick Riviera insurance rates

A large part of saving on insurance is knowing a few of the rating criteria that are used to determine your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

The items below are some of the items used by companies to determine your prices.

  • Only buy add-on coverages you need – Insurance companies have many add-on coverages that sound like a good idea at the time on your insurance policy. Coverages for rental car coverage, towing, and Farm Bureau memberships could be just wasting money. They may sound like good ideas when talking to your agent, but now you might not need them so remove them and pocket the money.
  • Are you male or female? – Over the last 30 years, statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that females are better drivers. Women and men cause at-fault accidents at about the same rate, but guys cause more damage. Not only are claims higher, but men get cited for more serious violations like DWI (DUI) or reckless driving. Male teenagers are the most expensive to insure and thus pay the highest rates.
  • Save money by having high credit – Your credit score is a large factor in determining what you pay for insurance. People that have excellent credit tend to be less risk to insure than those with lower credit ratings. If your credit score is low, you could be paying less to insure your 1998 Buick Riviera by spending a little time repairing your credit.
  • Car insurance liability insurance limits – Liability coverage will afford coverage in the event that you are responsible for physical damage or personal injury to other. Liability insurance provides legal defense which can cost a lot. It is affordable coverage when compared with rates for comp and collision, so do not cut corners here.
  • An active insurance claims history can cost more – If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Companies generally give lower rates to people who do not rely on their insurance for small claims. Auto insurance is intended for more catestrophic claims.
  • Cheaper rates with high physical damage deductibles – Comp and collision deductibles state the amount of money the insured will be required to pay if a claim is determined to be covered. Physical damage coverage, also called ‘full coverage’, protects your car from damage. Some coverage claims are rearending another vehicle, damage from fire, and damage caused by road hazards. The higher the amount you pay before a claim is paid (deductible), the lower your rates will be for Riviera insurance.
  • Tickets inflate rates – Whether or not you get tickets impacts premiums far more than you think. Good drivers get better rates compared to bad drivers. Even one moving violation can bump up the cost by as much as thirty percent. People who have careless citations such as reckless driving or DUI may be required to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to legally drive a vehicle.

Your auto insurance coverage should be tailored to you

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions might point out if you would benefit from professional advice.

  • Am I covered when driving a rental car?
  • What is the minimum liability in my state?
  • Do I have coverage when using my vehicle for my home business?
  • How do I insure my teen driver?
  • Am I covered when delivering products for my home-based business?
  • Why am I required to buy liability insurance?
  • Can I afford low physical damage deductibles?
  • Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form.

Tricks in car insurance advertising

Allstate and Progressive constantly bombard you with television, radio, and online ads. All the ads seem to make the promise about how much you will save just by moving your car insurance policy to them. How does every car insurance company charge you a lower premium? This is the trick they use.

Different companies have strict underwriting profiles for the type of driver that will not have excessive claims. An example of a profitable risk profile should be a married male, carries high limits, and drives a safe vehicle. A customer that hits that “sweet spot” gets the lowest rates as well as save money with a new company.

Potential customers who don’t qualify for the “perfect” profile will be charged a higher premium which usually ends up with the prospect going elsewhere. If you listen to the ad wording, they say “customers who switch” but not “all drivers who get quotes” save that much when switching. That is how insurance companies can make the claims of big savings.

Because each company has a different risk profile, you really need to get a wide range of price quotes. Because without a comparison, you cannot know with any certainty which company will have the lowest auto insurance rates for your situation.

Educate yourself about auto insurance coverages

Understanding the coverages of a auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive protection

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, rock chips in glass, falling objects and damage from flooding. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses such as nursing services, dental work, hospital visits, EMT expenses and funeral costs. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability

Liability coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as repair costs for stationary objects, pain and suffering and medical expenses. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and 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 important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like rolling your car, crashing into a building, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Online plus local equals savings

You just read some good ideas how you can save on 1998 Buick Riviera insurance. The key thing to remember is the more quotes you get, the better your chances of lowering your premium rates. Consumers could even find that the most savings is with some of the smallest insurance companies.

Consumers switch companies for any number of reasons including extreme rates for teen drivers, policy cancellation, not issuing a premium refund and even poor customer service. It doesn’t matter why you want to switch finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.

A few companies may not have rates over the internet and these regional carriers sell through independent agencies. The cheapest 1998 Buick Riviera insurance is definitely available online as well as from independent agents, so you should compare both in order to have the best price selection to choose from.

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