1998 Buick Riviera Insurance Cost – 6 Tips to Save

Buyers have lots of choices when searching for the lowest priced Buick Riviera insurance. They can either waste time contacting agents to compare prices or save time using the internet to get rate quotes.

There is a better way to compare insurance coverage rates so we’re going to tell you the quickest way to compare rates for a Buick and locate the best price possible from local insurance agents and online providers.

If you have a current car insurance policy or are shopping for new coverage, you can use these techniques to reduce the price you pay while maintaining coverages. The purpose of this post is to let you in on how to get online quotes and some tricks to saving. Vehicle owners only need an understanding of the proper methods to buy car insurance on the web.

How to get affordable auto insurance

Most companies such as Allstate, Geico and Progressive make it easy to get pricing from their websites. This process can be done by anyone as all you need to do is type in the amount of coverage you want as detailed in the form. Upon sending the form, the company’s rating system automatically retrieves your driving record and credit report and generates pricing information based on the data you entered.

Online quotes makes it simple to compare prices but the process of having to visit different websites and complete many quote forms can be a bit repetitive. But it is imperative to do this if you want to get the lowest auto insurance rates.

The easiest way to find cheaper rates utilizes a single form to obtain quotes from several companies at one time. The form is fast, requires much less work on your part, and makes quoting online much more enjoyable and efficient. After your information is entered, it is rated and you can choose your choice of the price quotes you receive.

If you find a better price you can simply submit the application and buy the policy. It can be completed in less than 10 minutes and may result in a nice savings.

To fill out one form to compare multiple rates now, click here and submit the form. If you currently have coverage, we recommend that you enter coverages and limits exactly as shown on your declarations page. This helps ensure you will have a fair comparison based on identical coverages.

More discounts mean cheaper premiums

Companies do not list their entire list of discounts in an easy-to-find place, so the below list has a few of the more well known and also the lesser-known discounts that you can inquire about if you buy auto insurance online. If you check and find you aren’t receiving every discount you deserve, you could be getting lower rates.

• Buy New and Save – Insuring a vehicle that is new can be considerably cheaper because new model year vehicles keep occupants safer.
• Switch and Save Discount – A few larger companies allow discounts for renewing your policy prior to your current policy expiration. It can save you around 10%.
• Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can get savings of 20 to 30 percent.
• Full Payment Discount – If you pay your bill all at once rather than paying in monthly installments you can avoid the installment charge.
• Good Grades Discount – Performing well in school can be rewarded with saving of up to 25%. You can use this discount normally until age 25.
• No Claim Discounts – Drivers who stay claim-free have much lower rates in comparison to frequent claim filers.

As is typical with insurance, most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it appears it’s possible to get free car insurance, it just doesn’t work that way.

Large insurance companies and a selection of discounts are shown below.

• 21st Century includes discounts for theft prevention, homeowners, early bird, defensive driver, student driver, and teen driver.
• State Farm offers premium reductions for accident-free, Drive Safe & Save, Steer Clear safe driver discount, good student, multiple autos, and passive restraint.
• AAA offers discounts including good driver, education and occupation, multi-policy, AAA membership discount, and anti-theft.
• Liberty Mutual policyholders can earn discounts including newly married, newly retired, new vehicle discount, multi-policy, teen driver discount, and hybrid vehicle.
• Progressive has savings for homeowner, continuous coverage, multi-vehicle, multi-policy, good student, and online signing.

When getting a coverage quote, ask each company or agent which discounts you qualify for. Some discounts might not apply in your state.

It’s not one size fits all

When buying coverage for your vehicles, there is no best way to insure your cars. Every insured’s situation is different.

These are some specific questions might help in determining if your insurance needs may require specific advice.

• Should I buy more coverage than the required minimum liability coverage?
• Do I get a pro-rated refund if I cancel my policy early?
• Why is insurance for a teen driver so high?
• Do I have any recourse if my insurance company denies a claim?
• Do I need rental car coverage?
• Do I have newly-aquired coverage?
• Does medical payments coverage apply to all occupants?
• What is an SR-22 filing?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Can switching companies really save?

Consumers can’t get away from ads that claim the lowest rates by Allstate, Geico and Progressive. They all make an identical promise that drivers can save some big amount if you move your policy.

How is it possible that every company can claim to save you money? It’s all in the words they use.

Insurance companies quote their best rates for the type of driver that makes them money. One example of this type of driver could possibly be between the ages of 30 and 50, insures multiple vehicles, and drives less than 5,000 miles a year. Any new insured who matches that profile will get very good premium rates as well as pay quite a bit less when switching companies.

Potential customers who fall short of this stringent profile may be required to pay more expensive rates which translates to the customer not purchasing. The trick companies use is to say “drivers who switch” but not “everyone who gets a quote” save that kind of money. That’s why companies can truthfully make it sound like they have such great car insurance rates.

This really illustrates why it’s extremely important to get price quotes at each policy renewal. It’s just not possible to know the company that will have the best rates.

Coverages available on your policy

Having a good grasp of insurance aids in choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like dental work, surgery, ambulance fees and EMT expenses. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Coverage for liability

Liability insurance protects you from damage that occurs to other’s property or people by causing an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical expenses, emergency aid, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Coverage for collisions

Collision coverage will pay to fix damage to your Riviera from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with a tree, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, fire damage, hail damage and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your 1998 Buick Riviera.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Smart shoppers get results

In this article, we presented a lot of tips how to compare 1998 Buick Riviera insurance rates online. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers could even find that the best rates are with a lesser-known regional company.

Some companies do not offer rates over the internet small, regional companies only sell coverage through independent insurance agencies. Affordable 1998 Buick Riviera insurance can be found from both online companies as well as from insurance agents, and you should compare rates from both so you have a total pricing picture.

Drivers change insurance companies for many reasons like unfair underwriting practices, high rates after DUI convictions, extreme rates for teen drivers and even denial of a claim. Whatever your reason, choosing a new insurance company is not as difficult as it may seem.

Additional information is located at these links:

• Electronic Stability Control FAQ (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• Credit Impacts Car Insurance Rates (State Farm)