Compare 1997 Buick Riviera Car Insurance Rates

Being forced to pay for pricey auto insurance premiums can draw down your savings and force you to make sacrifices. Comparing rate quotes is free and is an excellent way to reduce premiums and put more money in your pocket.

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

It’s important to shop coverage around occasionally since insurance prices are variable and change quite frequently. Just because you found the best quotes on Riviera insurance on your last policy you can probably find a lower rate today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the things you must know in order to reduce your cost while improving coverage.

If you have car insurance now, you will be able to reduce your rates substantially using this information. Choosing the best insurance company for you is quite easy. But vehicle owners benefit from understanding the way insurance companies price online insurance and apply this information to your search.

Insurance discounts help cut rates

Car insurance is not cheap, but discounts can save money and there are some available that can drop the cost substantially. Some discounts will apply at the time of purchase, but occassionally some discounts must be asked about prior to receiving the credit.

• Government Employee Discount – Being employed by or retired from a federal job could cut as much as 10% off on Riviera insurance depending on your insurance provider.
• Bundle and Save – When you have multiple policies and place coverage with the same company they may give you a discount of approximately 10% to 15%.
• Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
• Drive Less and Save – Keeping the miles down on your Buick could qualify for slightly better insurancerates than normal.
• Early Renewal Discounts – Select insurance companies give a discount for buying a new policy before your current policy expires. Ten percent is about the average savings.
• Discounts for Multiple Vehicles – Drivers who insure all your vehicles on the same insurance policy can reduce rates for all insured vehicles.
• Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in high school.
• Clubs and Organizations – Participating in a qualifying organization could earn you a nice discount on your next renewal.
• Life Insurance Discount – Some insurance companies give a break if you buy life insurance.
• Active Service Discounts – Being on active duty in the military could qualify you for better insurance rates.

Discounts save money, but please remember that most credits do not apply to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. Just because you may think you can get free auto insurance, nobody gets a free ride. But all discounts will cut your overall bill.

To see a list of providers offering insurance discounts, click here to view.

Lower your insurance prices

Smart consumers have a good feel for the rating factors that help calculate your policy premiums. When consumers understand what determines premiums, this enables you to make decisions that could result in much lower annual insurance costs. Multiple criteria are used when you get a price on insurance. A few of the factors are predictable such as your driving history, but others are less apparent such as your marital status or your commute time.

The itemized list below are most of the major factors utilized by car insurance companies to help set your rate level.

• Lower stress equals lower prices – Careers such as military generals, business owners and medical professionals are shown to have higher rates than average because of high stress and incredibly demanding work hours. On the flip side, professions such as farmers, engineers and performers pay the least on Riviera insurance.
• Teenage drivers pay more – Older insureds have been proven to be more responsible, cost insurance companies less in claims and tend to be get fewer driving tickets.Youthful drivers are statistically shown to be less responsible when at the wheel of a vehicle and because of this, their insurance rates are much higher.
• Bad credit will cost you – Having a bad credit rating can be a huge factor in determining what you pay. Therefore, if your credit score could use some work, you could potentially save money when insuring your 1997 Buick Riviera by improving your credit score. Insureds with excellent credit tend to be better drivers and file fewer claims than those with bad credit.
• Infrequent drivers can save – The more you drive your Buick every year the higher your rate. Most insurance companies charge rates based upon how the vehicle is primarily used. Autos that are left in the garage cost less to insure as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your Riviera may be costing you higher rates. It’s a smart idea to ensure your insurance policy is rated on the correct usage for each vehicle.
• Five star NHTSA crash test rating saves money – Safer cars cost less to insure. The safest vehicles have better occupant injury protection and any reduction in injury severity translates directly to fewer claims passed on to you as lower rates. If your Buick has at least four stars on Safercar.gov it may cost less to insure.
• Liability coverage limits should be high – Liability insurance provides coverage if ever you are found to be at fault for personal injury or accident damage. It will provide for a legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
• High comp and collision deductibles cost less – Physical damage protection, termed comprehensive and collision coverage on your policy, insures against damage to your Buick. Some examples of claims that would be covered would be collision with another vehicle, flood damage, and damage caused by flying debris. Your deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The more you’re willing to pay, the less money you will pay for insurance on Riviera insurance.

Which is the best auto insurance?

When it comes to buying proper insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. For instance, these questions may help you determine if your situation might need an agent’s assistance.

• Do I benefit by insuring my home with the same company?
• Is upholstery damage covered by car insurance?
• Does my insurance cover a custom paint job?
• How can I get high-risk coverage after a DUI?
• What if I total my 1997 Buick Riviera and owe more than it’s worth?
• Am I insured when driving a different vehicle?
• When would I need additional glass coverage?
• When should my teen driver be added to my policy?
• Are my friends covered when driving my 1997 Buick Riviera?
• What is the ISO rating for a 1997 Buick Riviera?

If it’s difficult to answer those 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, simply complete this short form or you can also visit this page to select a carrier

Ads can be misleading

Auto insurance companies such as 21st Century, Allstate and State Farm continually stream television and radio advertisements. They all seem to advertise claims of big savings if you get a free car insurance quote and switch to them. How does every company have lower policy pricing? This is how they do it.

Insurance companies provide the lowest rates for a prospective insured they prefer to insure. For instance, this type of risk profile could be between the ages of 30 and 50, has a low-risk occupation, and chooses high deductibles. A customer getting a price quote who fits those characteristics is entitled to the best price and will probably save if they switch.

Consumers who don’t qualify for this ideal profile will have to pay more expensive rates which leads to the customer buying from someone else. If you pay attention, the ads say “customers that switch” not “everyone that quotes” can get the lowest rates when switching. That’s why companies can make claims like that. This emphasizes why it’s extremely important to get as many free car insurance quotes as possible. It is just not possible to predict which company will fit your personal profile best.

What auto insurance coverages do you need?

Understanding the coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by auto insurance companies.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Buick Riviera.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for expenses like rehabilitation expenses, doctor visits, funeral costs and pain medications. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, vandalism and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying 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 first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Liability coverages – Liability coverage will cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things such as medical expenses, bail bonds and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

The best insurance company isn’t always the cheapest

When you buy car insurance online, don’t be tempted to reduce coverage to reduce premium. In many instances, an insured dropped collision coverage only to discover later that the savings was not a smart move. Your focus should be to get the best coverage possible at the best price while not skimping on critical coverages.

Throughout this article, we presented many ways to shop for 1997 Buick Riviera insurance online. The most important thing to understand is the more companies you get car insurance rates for, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance coverage is with the smaller companies. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.

Even more information can be found in these articles:

• Vehicle Size and Weight FAQ (iihs.org)
• Things to Know Before you Cancel Insurance (Allstate)
• Bodily Injury Coverage (Liberty Mutual)
• Credit and Insurance Scores (Insurance Information Insitute)
• Understanding Rental Car Insurance (Insurance Information Insitute)