How Much Does 1991 Buick Riviera Car Insurance Cost?

Searching for better insurance coverage rates for your Buick Riviera? Having to pay for pricey Buick Riviera insurance can bleed your monthly budget and maybe even restrict other spending. Doing a price comparison is a great way to lower your bills every month.

Multiple auto insurance companies compete for your business, and because of this it can be hard to compare auto insurance companies and get the best coverage at the lowest price

It is always a good idea to price shop coverage once or twice a year since prices go up and down regularly. Even if you think you had the best rate for Riviera insurance a few years ago there is a good chance you can find better premium rates now. Block out anything you think you know about insurance coverage because we’re going to demonstrate one of the best ways to find great coverage at a great price.

If you have insurance now or need new coverage, you can use these techniques to shop for the lowest rates while maintaining coverages. Finding affordable coverage is easy if you know what you’re doing. Drivers only need an understanding of the best way to get comparison rates over the internet.

Compare quotes for auto insurance

There are a lot of ways to compare auto insurance quotes, but some are less time-consuming than others. You can waste hours talking about coverages with insurance agencies in your area, or you can stay home and use the internet to get the quickest rates.

Most car insurance companies enroll in a system where prospective buyers submit their information once, and at least one company provides a quote. This prevents consumers from doing quote forms for each company.

To enter your information into the quoting system, click here (opens in new window).

The only drawback to using this type of system is you are unable to specify which companies you want pricing from. So if you prefer to choose individual companies to compare prices, we have a page of the cheapest auto insurance companies in your area. Click here to view list.

How you compare quotes is your choice, just do your best to use exactly the same deductibles and coverage limits on every price quote you get. If your comparisons have unequal deductibles or liability limits it will be next to impossible to determine the lowest rate for your Buick Riviera.

Save 15 percent in 15 minutes? Is it for real?

Drivers can’t avoid all the ads that promise big savings for switching from the likes of State Farm and Allstate. All the ads make an identical promise about savings if you move your coverage.

But how can every company offer drivers better rates? It’s all in the numbers.

Different companies can use profiling for a prospective insured that will most likely be profitable. A good example of this type of driver may be between 25 and 40, has a clear driving record, and has excellent credit. Any customer that meets those criteria gets the lowest rates and will save if they switch.

People who are not a match for those criteria will probably have to pay a higher premium and ends up with business going elsewhere. The trick companies use is to say “people who switch” but not “all drivers who get quotes” save that kind of money. That is how companies can make those statements. Because of the profiling, you absolutely need to compare free car insurance quotes often. You cannot predict with any certainty which company will be your best fit.

Six tips to get cheap insurance costs

The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that help determine the level of your policy premiums. If you understand what influences your rates, this empowers consumers to make smart changes that may result in much lower annual insurance costs. Many things are part of the calculation when you quote your car insurance policy. Some are pretty understandable like your driving record, but other criteria are less obvious such as your credit history or your financial responsibility.

The list below includes just a few of the factors used by companies to determine premiums.

• Liability insurance is peace of mind – The liability coverage on your policy will protect you if you are found liable for causing damage or personal injury in an accident. Your liability coverage provides you with a defense in court which can cost a lot. Liability insurance is quite affordable compared to other policy coverages, so insureds should have plenty of protection for their assets.
• Know your credit rating – Having a good credit score factor in calculating your auto insurance rates. People with excellent credit scores tend to be better risks to insure than drivers with poor credit. So if your credit could use some work, you could potentially save money when insuring your 1991 Buick Riviera by taking the time to improve your credit score.
• Safer cars save money – Safer cars get lower rates. These vehicles help reduce the chance of injuries in an accident and fewer serious injuries means less money paid by your insurance company which can mean better rates for you.
• Policy add-ons add up – Insurance policies have a lot of additional coverages that you can buy if you aren’t careful. Things like vanishing deductibles, death and dismemberment, and extra equipment coverage could be just wasting money. They may seem like a good idea when you first buy your policy, but now you might not need them so think about removing them and cutting costs.
• Save money by having multiple policies – Lots of auto insurance companies give lower prices to customers who buy several policies from them, otherwise known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even if you’re getting this discount consumers should still get quotes from other companies to make sure you are getting the best deal.
• Getting married reduces risk – Getting married may cut your premiums compared to being single. Having a significant other generally demonstrates drivers are more financially stable and insurance companies like that married drivers tend to file fewer claims.

Use discounts to get cheaper auto insurance rates

Companies that sell car insurance do not advertise every policy discount in an easy-to-find place, so below is a list some of the best known and the more hidden credits available to bring down your rates. If they aren’t giving you every credit you qualify for, you may be paying too high a price.

• E-sign Discounts
• Membership in Organizations – Having an affiliation with certain professional organizations could earn you a nice discount on your next renewal.
• Bundle and Save – If you have multiple policies with one insurance company you may save up to 20% off your total premium.
• Discount for Swiching Early – A few auto insurance companies give discounts for switching policies prior to the expiration date on your current policy. It’s a savings of about 10%.
• Student Discount for Driver Training – Teen drivers should enroll and complete driver’s education if offered at their school.
• Low Miles Discount – Low annual miles can earn substantially lower rates.
• Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can receive discounts of more than 20%.
• Government Employees – Employees or retirees of the government may qualify for a discount when you quote car insurance for Riviera insurance but check with your company.
• Senior Citizen Rates – Older drivers may receive reduced rates for Riviera insurance.
• Accident Forgiveness Coverage – Not really a discount, but some insurance companies will forgive one accident before they charge you more for coverage if you are claim-free before the accident.

Policy discounts save money, but many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like you would end up receiving a 100% discount, you’re out of luck.

A few popular companies and their offered discounts are detailed below.

• Geico offers premium reductions for driver training, five-year accident-free, membership and employees, anti-theft, and seat belt use.
• MetLife may include discounts for defensive driver, accident-free, good student, claim-free, good driver, multi-policy
• State Farm offers discounts including Steer Clear safe driver discount, multiple autos, Drive Safe & Save, passive restraint, and driver’s education.
• Progressive policyholders can earn discounts including online signing, homeowner, good student, multi-policy, and multi-vehicle.
• Mercury Insurance may offer discounts for accident-free, multi-policy, location of vehicle, age of vehicle, and ease of repair.
• 21st Century may have discounts that include early bird, anti-lock brakes, automatic seat belts, student driver, and theft prevention.
• Allstate discounts include teenSMART discount, premier discount, farm vehicle, EZ pay plan discount, and good payer.

If you are trying to find low cost car insurance quotes, ask each insurance company which discounts they offer. Some of the discounts discussed earlier might not apply in your area.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions can help discover if your insurance needs may require specific advice.

• Do I really need UM/UIM coverage?
• Are all vehicle passengers covered by medical payments coverage?
• How high should my medical payments coverage be?
• I have good health insurance, so how much medical payments coverage do I need?
• Am I covered when using my vehicle for business?
• Do I have coverage when pulling a U-Haul trailer?
• Is my teenager covered with friends in the car?
• Am I covered if my car is in a flood?
• Why do I need rental car insurance?
• Who is covered when they drive my 1991 Buick Riviera?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Coverage specifics

Knowing the specifics of auto insurance helps when choosing appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are typical coverage types offered by auto insurance companies.

Collision coverage – Collision insurance covers damage to your Riviera caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as backing into a parked car, hitting a mailbox, scraping a guard rail and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like doctor visits, funeral costs, pain medications, X-ray expenses and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Liability coverages – This will cover damage that occurs to a person or their property in an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as pain and suffering, medical expenses and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Buick Riviera.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hail damage, theft, damage from flooding, fire damage and damage from a tornado or hurricane. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

More choices the merrier

Affordable 1991 Buick Riviera insurance is possible online and also from your neighborhood agents, so you need to quote car insurance with both in order to have the best price selection to choose from. Some insurance providers may not have rate quotes online and usually these small, regional companies sell through local independent agents.

We’ve covered many ideas to shop for 1991 Buick Riviera insurance online. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. Drivers may discover the lowest prices come from a small local company. Regional companies often have lower rates on specific markets than the large multi-state companies such as Geico and State Farm.

For more information, feel free to browse the resources below:

• All About Airbag Safety (State Farm)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)
• Understanding Limits and Deductibles (Allstate)
• Your Car has been Stolen: Now What? (Allstate)