Cheaper 1995 Buick Riviera Insurance Rates

Searching for the cheapest insurance coverage rates for your Buick Riviera? Are you burned out from sacrificing to pay high insurance coverage rates every month? You’re in the same situation as many other drivers.

Companies like State Farm, Progressive and Geico continually hit you with catchy ads and consumers find it hard to sift through the bull and do the work needed to find the best deal.

Consumers need to shop coverage around before your policy renews because prices are variable and change quite frequently. Despite the fact that you may have had the lowest quotes for Riviera insurance a couple years back you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about insurance coverage on the internet, but I’m going to show you a bunch of ideas how to reduce your insurance coverage bill.

How much does insurance cost?

There are several ways of comparing price quotes from insurance companies in your area. By far the easiest way to find the cheapest 1995 Buick Riviera insurance rates consists of shopping online. It is quite easy and can be accomplished in a couple of different ways.

1. The recommended way to get quotes for comparison is a comparison rater form click here to open form in new window. This easy form saves time by eliminating separate forms for every company. One quote request will return price quotes from insurance companies with the best prices.
2. Another way to compare rate quotes is going to the website for every company you want to comare and repeat the quote process. For instance, we’ll assume you want to view quotes from Nationwide, State Farm and Farmers. In order to get each rate, you would have to go to every website and repeatedly type in your coverage information, which is why the first method is more popular.

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

It’s up to you how you get prices quotes, just be sure you’re using equivalent coverages for every company. If you use different data you will not be able to find the best deal for your Buick Riviera. Having just a slight variation in limits can mean a large discrepancy in price. And when quoting insurance, remember that comparing more rates from different companies will increase your chances of finding more affordable insurance. Not every company does prices over the internet, so it’s important to compare price estimates from them, too.

Can you really save that much by switching?

Companies like 21st Century, Allstate and State Farm constantly bombard you with ads on TV and radio. They all advertise claims about savings if you switch your coverage. How is it possible that every company can sell you cheaper insurance coverage? It’s all in the words they use.

All companies provide the lowest rates for the type of customer that will be a good risk. For example, a profitable customer may be between the ages of 30 and 45, has had continuous coverage, and chooses high deductibles. A customer getting a price quote that meets those criteria gets the lowest auto insurance rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who don’t qualify for those criteria may be required to pay a higher rate which results in the customer buying from someone else. The ads say “people that switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way companies can truthfully state the savings. Because every company is different, drivers should get price quotes at each policy renewal. Because you never know which insurance companies will have the best auto insurance rates at this point in time.

Buick Riviera insurance rates can be more affordable

One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that go into determining car insurance rates. If you know what controls the rates you pay, this enables you to make decisions that will entitle you to lower rates.

Shown below are a few of the “ingredients” utilized by car insurance companies to help set your rate level.

• Remove unneeded add-on coverages – There are many optional add-on coverages you can purchase but may not be useful. Insurance for rental car reimbursement, accidental death, and term life insurance may not be needed and are just wasting money. These may sound like a good investment when deciding what coverages you need, but if you’ve never needed them in the past get rid of them and save.
• High car insurance claims frequency drives up rates – If you are a frequent claim filer, you should expect much higher rates or policy non-renewal. Companies provide discounts to people who do not rely on their insurance for small claims. Your insurance policy is designed for more catestrophic claims.
• Better prices with anti-theft devices – Buying a car with anti-theft technology or alarm system can help lower your rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
• Low physical damage deductibles mean high premiums – Physical damage insurance, also called comprehensive and collision insurance, insures against damage to your Buick. Some instances where coverage would apply are running into the backend of another car, collision with an animal, and damage from a fallen tree branch. Deductibles for physical damage are how much you are willing to pay before your car insurance pays a claim. The larger the amount the insured has to pay upfront, the bigger discount you will receive for Riviera insurance.
• Stress out and pay more – Occupational choices like judgespolice officers and emergency personnel usually pay higher premiums than the average policyholder attributed to job stress and incredibly demanding work hours. On the other hand, jobs such as scientists, engineers and performers have lower than average premiums for Riviera insurance.
• Teenagers vs. older drivers – Teenage drivers are proven to be more careless when at the wheel of a vehicle so they pay higher car insurance rates. Older, more experienced drivers are more responsible, tend to cause fewer accidents and get fewer tickets.

Take policy discounts and save

Some insurers do not advertise every possible discount in a way that’s easy to find, so the following list contains both well-publicized as well as some of the hidden credits that you can use to lower your rates. If you do not double check each discount you qualify for, you’re just leaving money on the table.

• 55 and Retired – Drivers over the age of 55 are able to get better insurance rates for Riviera insurance.
• No Accidents – Insureds with no claims or accidents get the best insurance rates as opposed to policyholders that have many claims.
• Professional Organizations – Participating in specific professional or occupational memberships or organizations could earn you a nice discount on insurance.
• Auto/Home Discount – If you insure your home and vehicles with the same company you could get a discount of at least 10 to 15 percent or more.
• Resident Student – Any of your kids who are attending college and don’t have a car can receive lower rates.
• Fewer Miles Equal More Savings – Maintaining low annual mileage could be rewarded with lower insurancerates on the low mileage vehicles.
• Government Employee Discount – Being employed by or retired from a federal job could provide a small rate reduction for Riviera insurance with certain companies.

One thing to note about discounts is that most discount credits are not given to your bottom line cost. Most cut specific coverage prices like collision or personal injury protection. Even though it appears adding up those discounts means a free policy, companies wouldn’t make money that way.

Larger insurance companies and a summarized list of policyholder discounts are outlined below.

• Travelers may offer discounts for driver training, new car, save driver, multi-policy, and payment discounts.
• 21st Century has savings for theft prevention, driver training, air bags, student driver, homeowners, and automatic seat belts.
• State Farm offers premium reductions for good driver, defensive driving training, accident-free, student away at school, safe vehicle, multiple autos, and good student.
• Geico discounts include emergency military deployment, military active duty, five-year accident-free, multi-vehicle, air bags, and defensive driver.
• SAFECO offers discounts for anti-lock brakes, teen safe driver, teen safety rewards, homeowner, bundle discounts, multi-car, and safe driver.
• AAA policyholders can earn discounts including good driver, anti-theft, good student, pay-in-full, education and occupation, multi-policy, and AAA membership discount.

Before purchasing a policy, check with each company which discounts can lower your rates. Some discounts listed above might not be offered everywhere. To find insurers who offer online insurance quotes, click here to view.

Which policy gives me the best coverage?

When choosing adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. For example, these questions might point out whether your personal situation would benefit from an agent’s advice.

• Is pleasure use cheaper than using my 1995 Buick Riviera to commute?
• Am I getting all the discounts available?
• Should I rate my 1995 Buick Riviera as pleasure use or commute?
• Do I need more liability coverage?
• At what point should I drop full coverage?
• What vehicles should carry emergency assistance coverage?
• How much liability insurance is required?
• Are my friends covered when driving my 1995 Buick Riviera?

If you can’t answer these questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Specific coverage details

Understanding the coverages of your auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from auto insurance companies.

Auto liability insurance

Liability insurance protects you from damage or injury you incur to other people or property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

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 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like repair costs for stationary objects, loss of income, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Collision protection

Collision coverage will pay to fix damage to your Riviera caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, crashing into a building, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for dental work, funeral costs, surgery and prosthetic devices. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your 1995 Buick Riviera.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, fire damage and damage from flooding. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Take this to the bank

As you prepare to switch companies, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where someone dropped collision coverage and discovered at claim time that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

Some insurance coverage companies don’t offer internet price quotes and these small, regional companies only sell coverage through independent agencies. Low-cost 1995 Buick Riviera insurance can be found online in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money.

More information can be read on the following sites:

• Auto Theft Statistics (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• State Car Insurance Guides (Geico)
• Collision Insurance Coverage (Nationwide)