Compare 1996 Buick Riviera Insurance Quotes

Want cheaper car insurance rates for your Buick Riviera? Finding a different company that has cheaper insurance might seem complicated at first if you haven’t ever used online quotes. But don’t throw in the towel because finding cheaper rates is easier than you think.

It’s smart to quote other rates occasionally because prices trend upward over time. If you had the lowest rate on Riviera coverage a year ago you will most likely find a better premium rate today. Ignore everything you know about car insurance because we’re going to demonstrate the best way to get good coverage at a lower rate.

Cheapest insurance coverage quotes

When comparison shopping, there are several ways of comparing rate quotes from local insurance coverage companies. The best method to find cheaper 1996 Buick Riviera rates consists of obtaining rate quotes online. This can be done in several different ways.

1. The easiest and least time consuming way to find the lowest comparison rates is a comparison rater form click to view form in new window. This easy form keeps you from doing separate quotes to each individual insurance coverage company. One form submission will return price quotes instantly.It’s the quickest way to get rates.
2. A different way to analyze rates requires a trip to the website for every company you want to comare and complete a new quote form. For instance, we’ll pretend you want comparison quotes from Progressive, State Farm and GMAC. In order to get each rate, you would have to spend time going to each site individually and repeatedly type in your coverage information, which can be really labor intensive. To view a list of companies in your area, click here.
3. The most time-consuming method to get price estimates is going to insurance agents’ offices. Quoting online eliminates this option unless your situation requires the professional assistance of a licensed agent. It is possible to price shop online but have a local agent actually write the policy.

It’s up to you how you get prices quotes, just double check that you are using exactly the same information for each price quote. If you enter different values for each quote it’s impossible to truly determine the lowest rate. Slightly different coverage limits could mean much higher rates. And when price shopping your coverage, having more price comparisons increases the change that you will find the best rates. Some regional insurers cannot provide online quotes, so it’s important to also get price quotes from those companies as well.

Discounts can really help lower premiums

Companies offering auto insurance don’t always list all possible discounts very clearly, so the list below gives a summary of a few of the more common as well as the least known credits available to you.

• ABS and Traction Control Discounts – Cars, trucks, and SUVs with anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
• Payment Method – If you pay your bill all at once as opposed to paying monthly you can actually save on your bill.
• Good Grades Discount – A discount for being a good student can earn a discount of 20% or more. The discount lasts well after school through age 25.
• No Claim Discounts – Claim-free drivers get the best auto insurance rates in comparison with frequent claim filers.
• Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less since newer models have better safety ratings.
• Life Insurance Discount – If the company offers life insurance, you could get a break if you buy a life insurance policy as well.
• 55 and Retired – Seniors could receive a small decrease in premiums on Riviera coverage.
• Use Seat Belts – Using a seat belt and requiring all passengers to buckle up can save 10% or more off the personal injury premium cost.

Policy discounts save money, but some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as comprehensive or collision. So when the math indicates you can get free auto insurance, company stockholders wouldn’t be very happy. Any amount of discount will bring down your overall premium however.

Larger auto insurance companies and their offered discounts are shown below.

• Progressive includes discounts for multi-vehicle, online signing, continuous coverage, good student, and homeowner.
• AAA has discounts for multi-policy, AAA membership discount, good driver, education and occupation, good student, and anti-theft.
• Farmers Insurance has savings for alternative fuel, switch companies, teen driver, multi-car, and good student.
• Geico may offer discounts for good student, federal employee, defensive driver, membership and employees, emergency military deployment, and multi-vehicle.
• Esurance may have discounts that include online quote, claim free, paid-in-full, multi-policy, defensive driver, and online shopper.
• SAFECO policyholders can earn discounts including anti-theft, homeowner, anti-lock brakes, multi-car, drive less, and accident prevention training.
• State Farm offers discounts for passive restraint, Drive Safe & Save, defensive driving training, accident-free, good driver, good student, and student away at school.

When getting a coverage quote, ask every prospective company to apply every possible discount. Some discounts may not be available everywhere.

Will just any policy work for me?

When choosing proper insurance coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining if you might need professional guidance.

• Am I covered if I hit a deer?
• If I drive on a suspended license am I covered?
• Why is insurance for a teen driver so high?
• What should my uninsured motorist coverage limits be in my state?
• How much liability coverage do I need in my state?
• What companies insure drivers after a DUI or DWI?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form.

How to lower your insurance rates

Many different elements are taken into consideration when pricing auto insurance. Some are pretty understandable like an MVR report, but other factors are not quite as obvious like where you live and annual miles driven.

The following are a partial list of the pieces auto insurance companies consider when setting prices.

• Never go without auto insurance – Allowing your coverage to lapse is a quick way to drive up your policy premiums. Not only will you pay more, being ticketed for driving with no insurance could earn you a revoked license or a big fine.
• Getting married brings a discount – Having a spouse may earn you lower rates when shopping for auto insurance. Having a significant other means you’re more responsible and statistics show married drivers get in fewer accidents.
• Too many claims drive up prices – If you file a lot of claims don’t be surprised to see either a policy non-renewal or much higher rates. Car insurance companies generally give better rates to policyholders that do not abuse their auto insurance. Your insurance policy is designed for more catestrophic claims.
• Driving citations cost more than a fine – Being a careful driver influences premium rates substantially. Having just one moving violation can increase the cost of insurance twenty percent or more. Careful drivers get better prices than people who have multiple driving citations. Drivers who have gotten license-revoking violations like DUI or reckless driving might be required by their state to maintain a SR-22 with their state DMV in order to continue driving.
• Rates and vocation – Did you know your job can affect your rates? Jobs such as lawyers, social workers and accountants have higher average rates in part from stressful work requirements and long work days. On the flip side, jobs such as scientists, historians and the unemployed have the lowest average rates on Riviera coverage.
• Liability is important – The liability section of your policy will afford coverage if ever you are found liable for personal injury or accident damage. Liability provides legal defense coverage which can be incredibly expensive. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.

Big names are not always cheapest

Auto insurance companies such as State Farm, Allstate and Geico endlessly run ads on TV and radio. They all seem to make the same claim about how much you will save if you move your policy. How does every auto insurance company charge lower premium rates? This is how they do it.

Companies have an ideal profile for the right customer that will add to their bottom line. An example of this type of risk profile might have to be over the age of 40, has no driving citations, and has a high credit rating. Any driver who meets those qualifications will get low premium rates and will probably save a lot if they switch.

Potential insureds who don’t qualify for this stringent profile will be charged a more expensive rate which leads to business not being written. If you listen to the ad wording, they say “drivers that switch” not “all people who quote” save that kind of money. That’s why insurance companies can confidently make the claims of big savings.

Because of these techniques, drivers must compare rate quotes every year. It is just not possible to predict which auto insurance company will be your best fit.

Insurance coverage specifics

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Coverage for liability

Liability insurance provides protection from damage or injury you incur to other’s property or people. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as attorney fees, structural damage, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

This coverage covers damage to your Riviera resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, rolling your car, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Buick Riviera.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, a tree branch falling on your vehicle and fire damage. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills such as rehabilitation expenses, funeral costs and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Knowledge is power

When you buy insurance online, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. Your goal should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

We covered quite a bit of information on how to reduce 1996 Buick Riviera insurance auto insurance rates online. The key thing to remember is the more you quote insurance, the better likelihood of getting cheap insurance. You may be surprised to find that the lowest auto insurance rates come from a small mutual company.

Lower-priced 1996 Buick Riviera insurance can be found on the web as well as from independent agents, so you need to quote insurance with both to have the best selection. A few companies do not offer rate quotes online and most of the time these small insurance companies provide coverage only through independent insurance agents.

Additional detailed information is located in these articles:

• Shopping for a Safe Car (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)
• Insurance Losses by Make and Model (iihs.org)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Teen Driver Statistics (Insurance Information Insitute)