1999 Buick Riviera Insurance Quotes – 5 Tricks for Cheaper Rates

Want lower auto insurance rates for your Buick Riviera? When looking for lower-cost insurance, are you intimidated by the number of auto insurance choices available to you? Many other drivers are as well. consumers have so many options that it can easily become a difficult mission to find the lowest price.

You should make it a habit to compare prices as often as possible because rates are rarely the same from one policy term to another. Even if you think you had the best deal for Riviera coverage a year ago you may be paying too much now. There is too much inaccurate information about auto insurance on the internet, but in a few minutes you can learn a bunch of ideas how to put money back in your pocket.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. This information will let you in on how to get online quotes. But car owners must comprehend the way companies sell insurance online because it can help you find the best coverage.

How to buy insurance

There are a variety of methods to compare insurance quotes, but there is one way that is less time-consuming than others. You can waste hours driving to insurance companies in your area, or you could use online quotes to get rates in a matter of minutes.

Many popular insurance companies take part in a program that enables customers to complete one form, and at least one company then returns a price quote based on that data. This system prevents you from having to do quote requests for each company.

To find out how much you’re overpaying now click here to open in new window.

One minor caviat to using this type of form is you don’t know exactly which companies to get pricing from. So if you prefer to pick specific providers to compare prices, we put together a list of the cheapest insurance companies in your area. Click here to view list.

How you compare quotes is your choice, just be certain you are entering exactly the same quote data with each company. If your comparisons have different deductibles you will not be able to determine the lowest rate for your Buick Riviera. Quoting even small variations in insurance coverages could mean much higher rates. It’s important to know that obtaining a wide range of quotes gives you a better chance of getting a lower rate than you’re paying now.

Discounts can really help lower premiums

Companies offering auto insurance don’t always publicize every disount available in an easy-to-find place, so the list below details some of the more common and the harder-to-find credits available to bring down your rates.

  • Responsible Driver Discount – Insureds who avoid accidents can pay as much as 50% less for Riviera coverage than drivers with accidents.
  • Multi-policy Discount – When you have multiple policies with one insurance company you may save approximately 10% to 15%.
  • Sign Online – A few insurance companies give back up to $50 for buying your policy digitally online.
  • Telematics Devices – Drivers who agree to allow data collection to analyze driving patterns by using a telematic data system such as Progressive’s Snapshot could see a rate decrease if they are good drivers.
  • Drive Less and Save – Driving less can qualify you for lower prices on the low mileage vehicles.

Don’t be surprised that most credits do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like you could get a free auto insurance policy, companies wouldn’t make money that way.

A few companies who might offer these money-saving discounts possibly include:

When comparing rates, check with every prospective company how many discounts you can get. A few discounts might not apply in your state.

Will just any policy work for me?

When it comes to buying the best insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions might help in determining if your insurance needs could use an agent’s help.

  • Am I covered if my car is in a flood?
  • How can I get high-risk coverage after a DUI?
  • Am I missing any policy discounts?
  • Does my insurance cover my expensive audio equipment?
  • Can I rent a car in Mexico?
  • Why does it cost so much to insure a teen driver?
  • If I drive on a suspended license am I covered?
  • What exactly is covered by my policy?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form.

Car insurance 101

Understanding the coverages of car insurance can help you determine which coverages you need at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Buick Riviera.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like funeral costs, hospital visits, doctor visits, chiropractic care and dental work. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from getting keyed, damage from a tornado or hurricane and vandalism. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto collision coverage

Collision coverage pays for damage to your Riviera from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a building, damaging your car on a curb, colliding with a tree, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as bail bonds, emergency aid and court costs. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

In conclusion

Budget-friendly auto insurance can be found online and from local agencies, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies may not have online rate quotes and most of the time these regional carriers prefer to sell through local independent agencies.

Insureds switch companies for a number of reasons such as high rates after DUI convictions, lack of trust in their agent, policy cancellation or an unsatisfactory settlement offer. Whatever your reason, finding a great new company can be less work than you think.

In this article, we covered a lot of techniques to lower your 1999 Buick Riviera insurance premium rates. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the best premium rates are with a small local company.

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