1992 Buick Riviera Car Insurance Rates

Are you irritated from wondering where the money will come from to buy insurance? You have the same problem as many other drivers. Lots of insurance companies contend to insure your vehicles, and because of this it can be hard to compare auto insurance companies to find the absolute lowest cost out there.

It’s smart to price shop coverage before your policy renews because insurance prices tend to go up over time. If you had the best rates on Riviera insurance a few years ago you will most likely find a better rate quote today. You can search a lot of insurance online but in a few minutes you can learn some of the best ways to put money back in your pocket.

How insurers calculate Buick Riviera insurance rates

Lots of factors are considered when pricing auto insurance. Most are fairly basic like a motor vehicle report, but other criteria are not as apparent such as your credit history or how safe your car is.

• Amount of liability – Your policy’s liability coverage will provide protection if ever a court rules you are at fault for causing damage or personal injury in an accident. It provides you with a defense in court up to the limits shown on your policy. It is affordable coverage as compared to coverage for physical damage, so do not skimp.
• Don’t buy add-on coverages that may not be needed – There are a ton of optional add-on coverages that you can get tricked into buying but may not be useful. Things like replacement cost coverage, towing, and additional equipment coverage may be wasting your money. The coverages may be enticing when discussing your needs, but if you don’t need them remove them from your policy.
• Drive less and pay lower prices – Driving more miles in a year the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles based upon how much you drive. Autos not used for work or commuting can get a lower rate compared to those used for work or business. Improper usage on your Riviera is throwing money out the window. Double check that your car insurance coverage is showing the proper vehicle usage.
• Choose high crash test ratings and save – Safer cars cost less to insure. Vehicles engineered for safety reduce occupant injuries and any reduction in injury severity means your insurance company pays less which can result in lower premiums. If the Buick Riviera has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
• Your spouse saves you money – Getting married may save some money when shopping for car insurance. Having a spouse demonstrates that you tend to be more mature and responsible and it’s statistically proven that married drivers tend to have fewer serious accidents.
• Never let your car insurance policy expire – Driving any period of time without insurance is not a good idea and you may have a hard time finding new coverage because you let your coverage have a gap. In addition to paying higher rates, being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.

Compare quotes for car insurance

Most larger insurance companies allow consumers to get price estimates on the web. Getting quotes is fairly simple because you just enter the coverage amounts you desire into the quote form. Once entered, their system will order your driving and credit reports and gives you a price quote. Being able to quote online helps simplify price comparisons, but the work required to visit a lot of sites and fill out multiple forms is monotonous and tiresome. But it’s also necessary to compare as many rates as possible if you want to find the best price on car insurance.

The smarter way to find cheaper rates uses one form that analyzes rates from more than one company. It saves time, eliminates form submissions, and makes price shopping online much simpler. Immediately after you send the form, your coverage is rated and you can select any one of the pricing results.

If a lower price is quoted, you can simply submit the application and buy the policy. The whole process takes less than 15 minutes and you’ll know if lower rates are available.

To find out how much you’re overpaying now, click here to open in new window and enter your information. If you have coverage now, it’s recommended you duplicate the limits and deductibles just like they are on your policy. Using the same limits helps guarantee you’re receiving comparison quotes for similar coverage.

Save $484 a year? Really?

Consumers can’t escape the ads that promise big savings for switching by companies like Allstate, Geico and Progressive. All the companies seem to make the promise that you’ll save big if you get a free insurance coverage quote and switch your coverage to them.

How do they all give you a better price?

All companies have specific characteristics for the driver they prefer to insure. For instance, this type of insured might have to be a female over age 40, has no prior claims, and drives a lower-performance vehicle. Any new insured who meets those qualifications will probably get cheap prices as well as save quite a bit of money when switching.

Consumers who are not a match for these criteria will be quoted higher prices which translates to the customer not buying. The ads state “customers who switch” not “all people who quote” can save as much as they claim. This is how insurance companies can confidently make the claims of big savings.

This really illustrates why it is so important to quote coverage with many companies. It’s just too difficult to predict which company will fit your personal profile best.

Take policy discounts and save

Auto insurance companies don’t list all disounts very well, so here is a list a few of the more common in addition to some of the lesser obvious credits that you can use to lower your rates. If you do not check that you are getting every discount you deserve, you could be paying more than you need to.

• Life Insurance Discount – Insurance companies who offer life insurance give a discount if you purchase auto and life insurance together.
• Multi-car Discount – Insuring primary and secondary vehicles on one policy qualifies for this discount.
• Good Grades Discount – Performing well in school could provide a savings of up to 20% or more. The good student discount can last up to age 25.
• ABS Braking Discount – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions so companies give up to a 10% discount.
• Theft Deterent – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency so companies will give you a small discount.
• 55 and Retired – Drivers over the age of 55 are able to get a slight reduction on a insurance coverage quote on Riviera insurance.

A little disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as medical payments or collision. So even though you would think it’s possible to get free car insurance, you’re out of luck.

A few popular companies and a selection of discounts are:

• Farmers Insurance may include discounts for alternative fuel, youthful driver, early shopping, bundle discounts, and pay in full.
• State Farm policyholders can earn discounts including student away at school, anti-theft, safe vehicle, driver’s education, Steer Clear safe driver discount, Drive Safe & Save, and multiple autos.
• Liberty Mutual offers discounts for good student, new graduate, newly married, hybrid vehicle, teen driver discount, and multi-policy.
• MetLife has savings for claim-free, good student, good driver, accident-free, and multi-policy.
• Progressive includes discounts for homeowner, good student, continuous coverage, multi-policy, online signing, multi-vehicle, and online quote discount.

Before you buy a policy, ask all the companies what discounts are available to you. Savings may not apply to policies in your area. For a list of providers that offer discounts, click this link.

Which policy gives me the best coverage?

When it comes to buying adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions might point out whether or not you would benefit from professional advice.

• Is business property covered if stolen from my car?
• Is my cargo covered for damage or theft?
• Should I drop comprehensive coverage on older vehicles?
• Do I pay less for low miles?
• Can I afford low physical damage deductibles?
• Can my babysitter drive my car?
• Do all my vehicles need collision coverage?
• What happens if I owe more than my 1992 Buick Riviera is worth?
• Am I covered when pulling a rental trailer?
• Am I missing any policy discounts?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Car insurance coverage breakdown

Understanding the coverages of your policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types found on most car insurance policies.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, falling objects, damage from getting keyed and theft. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a building, driving through your garage door and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Buick Riviera.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Liability – Liability insurance will cover damage or injury you incur to people or other property by causing an accident. It protects you from legal claims by others, and does not provide coverage for 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. Your policy might show limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims like attorney fees, pain and suffering, medical expenses and court costs. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for bills for prosthetic devices, dental work and surgery. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

A fool and his money are soon parted

Throughout this article, we presented a lot of ways to reduce 1992 Buick Riviera insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the best prices are with an unexpected company. Regional companies often have lower rates on specific markets compared to the large companies like Geico and State Farm.

When buying insurance coverage, do not sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced collision coverage to discover at claim time that it was a big mistake. Your focus should be to purchase a proper amount of coverage at the best cost, not the least amount of coverage.

Additional detailed information can be read by following these links:

• Frontal Crash Tests (iihs.org)
• A Tree Fell on Your Car: Now What? (Allstate)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)
• Understanding Car Crashes Video (iihs.org)