Searching for cheaper insurance for your Buick Riviera can be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to shop for auto insurance so we’re going to tell you the absolute fastest way to quote coverages for a new or used Buick and find the lowest possible price either online or from local insurance agents.
It’s a good idea to price shop coverage every six months because insurance rates change quite often. Despite the fact that you may have had the best price on Riviera insurance a couple years back a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the fastest and easiest way to reduce your cost while improving coverage.
Consumers need to have an understanding of the rating factors that come into play when calculating insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that can help you get better insurance rates.
Finding cheaper 1993 Buick Riviera auto insurance prices is actually quite simple. The only requirement is to spend a few minutes comparing rate quotes from different insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.
For a list of links to companies insuring cars in your area, click here.
However you get your quotes, be sure to compare exactly the same coverage information on every quote you get. If your comparisons have different deductibles it’s not possible to determine the best price for your Buick Riviera.
Consumers constantly see and hear ads for cheaper car insurance by companies like Progressive, GEICO, Allstate and State Farm. All the companies say the same thing that you’ll save big after switching to them.
But how can every company make almost identical claims?
All the different companies can use profiling for the type of driver that is profitable for them. An example of a desirable insured might be profiled as between 25 and 40, insures multiple vehicles, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will qualify for the lowest rates and as a result will probably save when they switch companies.
Consumers who fall outside this ideal profile will be charged more money which leads to business not being written. The ad wording is “drivers who switch” but not “drivers who get quotes” save money. That is how insurance companies can advertise the savings. That is why you absolutely need to get a wide range of price quotes. Because you never know which company will provide you with the cheapest Buick Riviera insurance rates.
Companies offering auto insurance don’t always list all their discounts in a way that’s easy to find, so we break down both the well known as well as the least known ways to save on insurance. If you aren’t receiving every discount possible, you are paying more than you should be.
A little note about advertised discounts, many deductions do not apply to your bottom line cost. Some only reduce specific coverage prices like medical payments or collision. Just because you may think you could get a free insurance policy, it doesn’t quite work that way.
For a list of providers offering insurance discounts, click this link.
When buying proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different.
These are some specific questions can help discover whether your personal situation could use an agent’s help.
If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.
Understanding the coverages of your car insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.
Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like fire damage, vandalism, rock chips in glass, a tree branch falling on your vehicle and falling objects. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
This coverage will cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.
Liability coverage pays for things such as funeral expenses, repair costs for stationary objects and court costs. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.
Collision coverage protection
This coverage pays for damage to your Riviera from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as rolling your car, backing into a parked car, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like hospital visits, rehabilitation expenses, EMT expenses, pain medications and doctor visits. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist coverage
This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
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 important protection for you and your family.
As you restructure your insurance plan, do not skimp on coverage in order to save money. There have been many situations where drivers have reduced physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at an affordable rate while not skimping on critical coverages.
Low-cost 1993 Buick Riviera insurance can be sourced on the web and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and most of the time these small, regional companies sell through independent agents.
Insureds change insurance companies for a number of reasons such as delays in responding to claim requests, an unsatisfactory settlement offer, being labeled a high risk driver and unfair underwriting practices. No matter why you want to switch, choosing a new company is not as hard as you think.
More detailed insurance information can be found in the articles below: