Cheaper 1999 Buick Riviera Car Insurance Rates

Being forced to pay for overpriced car insurance premiums can drain your monthly budget and maybe even restrict other spending. Comparison shopping is free and is an excellent way to make ends meet.

Having so many companies to choose from, it’s difficult to pick the best insurance company.

Shopping for more affordable insurance is quite easy. In a nutshell, every driver who is required by state law to have insurance will most likely be able to lower their premiums. Nevertheless, drivers must comprehend how big insurance companies price insurance differently.

Don’t overlook these car insurance discounts

Companies offering auto insurance don’t always publicize their entire list of discounts in an easy-to-find place, so the following is a list of a few of the more well known and the harder-to-find savings tricks you should be using when you buy insurance online. If you do not check that you are getting every discount available, you’re paying more than you need to.

• Passive Restraints – Factory air bags and/or automatic seat belt systems can get savings as much as 30%.
• Employee of Federal Government – Active or retired federal employment could qualify for a slight premium decrease for Riviera insurance with a few car insurance companies.
• Clubs and Organizations – Joining a professional or civic organization may earn a discount on your bill.
• First Accident Forgiveness – Not necessarily a discount, but certain companies permit an accident before hitting you with a surcharge if you are claim-free for a certain period of time.
• Theft Prevention Discount – Cars and trucks with anti-theft systems are stolen less frequently and earn discounts up to 10% off your insurance quote.
• No Claims – Drivers who don’t have accidents pay much less as opposed to drivers who are more careless.
• Military Rewards – Having a family member in the military could trigger a small discount.

Just know that most discounts do not apply the the whole policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, car insurance companies aren’t that generous. Any amount of discount will lower the premium cost.

If you would like to see a list of insurers that offer the discounts shown above, click this link.

How to buy insurance

Performing a rate comparison can be a lot of work if you don’t know the best way to get rate quotes. You can waste a few hours (or days) driving to insurance companies in your area, or you could use the internet to quickly compare rates.

Many companies participate in a marketplace where prospective buyers enter their policy data once, and at least one company can provide price quotes determined by their information. This system prevents you from having to do quote forms to each individual insurance company.

To find out what other companies charge click here (opens in new window).

The single downside to using this type of form is that consumers can’t choose which companies you will receive quotes from. If you prefer to choose individual companies to compare prices, we put together a list of the cheapest insurance companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just ensure you’re using the same coverages and limits with each company. If you use different values for each quote you will not be able to determine which rate is truly the best. Quoting even small variations in coverage limits could throw off the whole comparison. Just remember that comparing more company’s prices gives you a better chance of getting a lower rate than you’re paying now.

When to get professional advice

When it comes to buying adequate coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that might help in determining whether or not you may require specific advice.

• What should my uninsured motorist coverage limits be in my state?
• Do I need more liability coverage?
• How do I file an SR-22 for a DUI in my state?
• Is my teenager covered with friends in the car?
• Can my teen driver be rated on a liability-only vehicle?
• Is my custom paint covered by insurance?
• Does my car insurance cover rental cars?
• Should I rate my 1999 Buick Riviera as pleasure use or commute?
• Can I get a multi-policy discount?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Specific coverage details

Understanding the coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by auto insurance companies.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like theft, hitting a deer and fire damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like hospital visits, rehabilitation expenses, funeral costs and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 1999 Buick Riviera.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage – This 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 and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a mailbox, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Liability coverage – Liability coverage will cover damages or injuries you inflict on other people or property by causing an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims such as bail bonds, loss of income, medical expenses, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but buy as much as you can afford.

More choices the merrier

Some insurance providers may not have online rate quotes and most of the time these small insurance companies sell through independent agencies. Lower-priced 1999 Buick Riviera insurance can be found both online and with local insurance agents, so you need to compare both to get a complete price analysis.

As you go through the steps to switch your coverage, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where an insured cut liability limits or collision coverage and found out when filing a claim that it was a big error on their part. Your focus should be to buy the best coverage you can find for the lowest cost, not the least amount of coverage.

Much more information about insurance coverage can be found below:

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)
• Teen Driving and Texting (State Farm)
• Booster Seat Ratings (iihs.org)