Lower Your 1998 Buick Riviera Insurance Rates

Overpriced insurance can stress out your savings and put a big crunch on your finances. Comparing cost estimates is an excellent way to lower your monthly bill.

There is such a variety of insurers to buy insurance from, and even though it’s nice to have multiple companies, more choices can make it harder to find the best rates.

You need to do price comparisons quite often because insurance prices are rarely the same from one policy term to another. If you had the best price for Riviera coverage two years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because we’re going to show you the tricks you need to know to remove unneeded coverages and save money.

The most recommended method to get rate comparisons takes advantage of the fact most of the larger companies have advanced systems to compare rate quotes. All you need to do is spend a couple of minutes providing details including how you use your vehicles, if a SR-22 is needed, if you have an active license, and your general credit rating. The rating information gets sent immediately to multiple insurance coverage providers and you should receive rate quotes with very little delay.

Discounts for cheap car insurance rates

Some insurance providers don’t always list their entire list of discounts very clearly, so the list below contains both the well known and the harder-to-find credits that may apply to you. If you’re not getting every credit available, you may be paying too high a price.

• Passive Restraints – Vehicles equipped with air bags may get savings up to 30%.
• Student Discounts – Maintaining excellent grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up until you turn 25.
• Renewal Discounts – Some insurance companies reward drivers for switching policies before your current expiration date. This can save 10% or more.
• Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts may be able to save a few bucks off PIP or medical payments premium.
• Discount for Home Ownership – Simply owning a home can help you save on car insurance since owning and maintaining a home demonstrates responsibility.
• Employee of Federal Government – Active or former government employment may reduce rates when you quote car insurance for Riviera coverage with some car insurance companies.
• Accident Forgiveness – but a handful of insurance companies will forgive one accident before they charge you more for coverage so long as you are claim-free prior to the accident.

Please keep in mind that some of the credits will not apply to the entire cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears you would end up receiving a 100% discount, companies don’t profit that way.

To locate companies with the best discounts, click here.

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Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Each situation is unique so this has to be addressed. Here are some questions about coverages that can aid in determining if your insurance needs may require specific advice.

• When does my teenage driver need to be added to my policy?
• Am I covered if I hit a deer?
• Will I be non-renewed for getting a DUI or other conviction?
• Should I drop comprehensive coverage on older vehicles?
• What if I owe more than I can insure my car for?
• Do I have any recourse if my insurance company denies a claim?
• Is business equipment covered while in my vehicle?
• Can I afford to buy a different vehicle if my 1998 Buick Riviera is totaled?
• Does my 1998 Buick Riviera need full coverage?
• Why do I need rental car insurance?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Buick Riviera insurance cost factors

One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that go into determining the rates you pay for auto insurance. When consumers understand what determines premiums, this allows you to make educated decisions that may reward you with much lower annual insurance costs. Many things are part of the calculation when you get your auto insurance bill. Some factors are common sense like an MVR report, although some other factors are not as apparent such as your credit history or your financial responsibility.

• Add-on coverages can add up – There are a ton of additional coverages that may not really be needed if you don’t pay attention. Add-on coverages like replacement cost coverage, death and dismemberment, and motor club memberships may not be needed and are just wasting money. They may seem good when deciding what coverages you need, but if you’ve never needed them in the past remove them and pocket the money.
• Avoid traffic tickets – Your driving record has a huge affect on how much you pay. Drivers who don’t get tickets pay lower auto insurance prices as compared to careless drivers. Getting just one driving citation may increase your cost by as much as twenty percent. Drivers with license-revoking citations such as hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.
• Keep prices low by being claim-free – Auto insurance companies give most affordable rates to policyholders who do not rely on their insurance for small claims. If you file a lot of claims you can pretty much guarantee higher premiums or even policy non-renewal. Insurance coverage is designed for more catestrophic claims.
• Cheaper premiums for prior coverage – Having an insurance coverage lapse will be a fast way to drive up your policy premiums. And not only will insurance be more expensive, getting caught without coverage will get you fines and jail time.
• Occupation impacts rates – Jobs like military personnel, social workers and emergency personnel tend to pay the highest rates due to intense work-related stress and lots of time spent at work. On the flip side, jobs such as actors, athletes and homemakers get better rates for Riviera coverage.
• Choose high crash test ratings and save – Cars with high safety ratings are cheaper to insure. Highly rated vehicles result in less severe injuries and reduced instances of injuries translates into savings for insurance companies passed on to you as lower rates. If your Buick has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
• Put fewer miles on your vehicle – Driving more miles in a year’s time the more it will cost to insure it. Almost all companies calculate prices based on how the vehicle is used. Autos used primarily for pleasure use receive lower rates compared to those used for work or business. It’s a good idea to make sure your auto insurance declarations sheet states the right rating data, because it can save money. Improper usage on your Riviera may be costing you higher rates.

Insurance policy coverages for a Buick Riviera

Having a good grasp of insurance aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages found on the average insurance policy.

Comprehensive coverages – Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, hitting a deer, damage from a tornado or hurricane, damage from getting keyed and theft. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability insurance – Liability insurance protects you from damage or injury you incur to a person or their property in an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values 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. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like medical expenses, structural damage, pain and suffering, loss of income and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical payments – Med pay and PIP coverage pay for expenses like EMT expenses, hospital visits and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover 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 it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Buick Riviera.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Collision – Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, colliding with a tree, backing into a parked car, crashing into a ditch and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

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More quotes. Lower rates.

Affordable 1998 Buick Riviera insurance is possible both online as well as from insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some auto insurance companies may not provide rate quotes online and usually these small insurance companies prefer to sell through independent insurance agents.

We covered quite a bit of information on how to get a better price on 1998 Buick Riviera insurance. The most important thing to understand is the more you quote car insurance, the higher your chance of finding cheap car insurance. Drivers may discover the lowest premium rates are with a smaller regional carrier. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like Allstate, Geico and Progressive.

When you buy car insurance online, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, drivers have reduced physical damage coverage only to regret at claim time that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at a price you can afford but still have enough coverage for asset protection.

Additional information can be read at these links:

• Collision Coverage (Liberty Mutual)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Young Drivers: The High Risk Years Video (iihs.org)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)

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