1990 Buick Riviera Insurance Rates

Want cheaper insurance rates for your Buick Riviera? Nobody that owns a car enjoys paying for insurance, particularly when their premiums are through the roof. Since you have so many choices, it’s nearly impossible to locate the most cost effective insurance company.

Low cost car insurance prices

Finding a lower price on 1990 Buick Riviera insurance is a fairly straight forward process. All that’s required is to invest a few minutes comparing rates provided by online insurance companies. It’s super easy and can be done in a couple of different ways.

• One of the best ways to get quotes is an all-inclusive rate comparison (click to open form in new window). This form saves time by eliminating separate quotation requests for every prospective company. One simple form will return price quotes instantly.
• A more time consuming way to find lower rates is to manually visit each individual company website and repeat the quote process again and again. For instance, let’s say you want to compare Allstate, Liberty Mutual and Geico. You would have to go to each individual site to enter the same coverage data repeatedly, which is why first method is reommended.

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

• The last way to quote and compare insurance rates is going to local insurance agencies. Quoting and buying insurance online eliminates the need for an insurance agent unless you have a complicated situation and need the professional guidance of an agent trained in personal lines coverage. Some companies do allow you to obtain prices from the web but buy from a local insurance agent.

It doesn’t matter which method you choose, just make sure you use nearly identical coverage limits on every quote you get. If you compare different limits and deductibles on each one it will be very difficult to find the best deal for your Buick Riviera.

Drivers save money with these money-saving discounts

The price of auto insurance can be rather high, but you may be missing some discounts that you may not even know about. A few discounts will be applied when you complete an application, but some may not be applied and must be specifically requested before you get the savings.

• Federal Government Employee – Active or retired federal employment could qualify for a slight premium decrease for Riviera coverage but check with your company.
• Discount for Multiple Policies – When you have multiple policies with one company you may earn 10% to 20% off each policy.
• Discount for Home Ownership – Owning a house can get you a discount since home ownership shows financial diligence.
• Distant Student Discount – Children who are enrolled in a college that is more than 100 miles from home and don’t have a car could get you a discount.
• ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
• Student Discounts – Performing well in school can get you a discount of up to 25%. You can use this discount normally up until you turn 25.
• No Accidents – Claim-free drivers have much lower rates in comparison to drivers with a long claim history.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think all those discounts means the company will pay you, insurance companies wouldn’t stay in business. But any discount should help reduce the cost of coverage.

Larger auto insurance companies and a partial list of their discounts can be found below.

• Farm Bureau includes discounts for renewal discount, driver training, youthful driver, safe driver, multi-policy, and 55 and retired.
• MetLife has savings for multi-policy, claim-free, accident-free, good driver, good student, defensive driver
• Progressive offers premium reductions for continuous coverage, online quote discount, multi-vehicle, homeowner, multi-policy, and good student.
• AAA has discounts for education and occupation, multi-car, anti-theft, good driver, multi-policy, and good student.
• American Family may offer discounts for accident-free, Steer into Savings, air bags, good driver, and early bird.
• Geico may have discounts that include air bags, federal employee, multi-policy, daytime running lights, good student, and driver training.
• State Farm offers discounts for defensive driving training, Steer Clear safe driver discount, multiple autos, Drive Safe & Save, and good driver.

Double check with every prospective company what discounts are available to you. A few discounts may not apply to policies in every state.

Informed drivers save every year

Lots of things are part of the equation when quoting car insurance. Some of the criteria are obvious such as your driving history, but other criteria are less apparent like your continuous coverage or how safe your car is.

• Too many insurance claims drive up insurance rates – If you file a lot of claims you can definitely plan on higher premiums or even policy non-renewal. Auto insurance companies give discounts to policyholders who file claims infrequently. Your insurance policy is designed for claims that you cannot pay yourself.
• Occupation impacts insurance rates – Careers such as doctorspolice officers and miners tend to have higher rates than average attributed to intense work requirements and lots of time spent away from family. On the flip side, jobs such as actors, engineers and retirees have lower than average premiums for Riviera coverage.
• Your age impacts your premiums – Mature drivers have been proven to be more responsible, cause fewer claims and accidents , and usually have better credit.Drivers with little experience are proven to be easily distracted when at the wheel of a vehicle and because of this, their insurance rates are much higher.
• Never let your insurance policy lapse – Allowing your coverage to lapse is a quick way to increase your renewal premiums. And not only will insurance be more expensive, failure to provide proof of insurance may result in a steep fine or even jail time. You may then be required to prove you have insurance by filing a SR-22 with your state DMV.
• City dwellers may pay more – Having an address in a rural area may provide you with better prices when trying to find low car insurance rates. Lower population corresponds to lower accident rates. Drivers in populated areas tend to have more aggressive driving styles and more severe claims. More time behind the wheel statistically corresponds to a higher accident and claim rate.
• Gender and insurance coverage premiums – Over the last 50 years, statistics have shown that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. Women and men cause accidents in similar numbers, but the males have accidents that have higher claims. Men also tend to get more serious tickets such as DWI and reckless driving. Young males generally have the highest accident percentage so they pay the highest premiums.
• High credit equals lower costs – Having a good credit rating is likely to be a major factor in determining what you pay. So if your credit can use some improvement, you may save money insuring your 1990 Buick Riviera if you clean up your credit. Insureds that have high credit scores tend to file fewer claims than those with lower ratings.
• Liability protection risk factors in – The liability section of your policy will provide protection when you are determined to be liable for causing damage or personal injury in an accident. Your liability coverage provides you with a defense in court which can cost thousands of dollars. It is affordable coverage as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.

Do I need special coverages?

When it comes to choosing the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For example, these questions might help in determining whether you could use an agent’s help.

• Is motorclub coverage worth it?
• Am I covered when driving in Canada or Mexico?
• Am I covered when delivering products for my home-based business?
• Should I bundle my homeowners policy with my auto?
• Can I afford to buy a different vehicle if my 1990 Buick Riviera is totaled?
• Am I getting all the discounts available?
• Can I still get insurance after a DUI?
• Is there coverage for injuries to my pets?
• Is my trailer covered?
• What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Coverages available on your policy

Understanding the coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on most auto insurance policies.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a broken windshield, hitting a bird, damage from getting keyed and rock chips in glass. The highest amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Collision coverages – This covers damage to your Riviera from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as scraping a guard rail, rolling your car, hitting a parking meter, crashing into a ditch and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for immediate expenses for X-ray expenses, funeral costs, surgery and nursing services. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability – This protects you from damage or injury you incur to people or other property that is your fault. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like court costs, medical services, attorney fees, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Better coverage you can count on

When trying to cut insurance costs, never reduce needed coverages to save money. There are many occasions where an accident victim reduced uninsured motorist or liability limits and learned later that it was a big error on their part. Your goal should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.

The cheapest 1990 Buick Riviera insurance can be sourced online in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers do not offer the ability to get a quote online and many times these small insurance companies only sell coverage through independent agencies.

Additional detailed information can be read in the articles below:

• Teen Driving and Texting (State Farm)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Medical Payments Coverage (Liberty Mutual)
• Safety Belts FAQ (iihs.org)