1993 Buick Riviera Car Insurance Rates

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.

What determines your Buick Riviera insurance premium

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.

  • Pleasure use or commuting – Driving more miles in a year the more you’ll pay to insure your vehicle. The majority of insurers apply a rate based on how the vehicle is used. Cars and trucks that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. Verify your insurance coverage shows the proper vehicle usage, because improper ratings can cost you money. Incorrect usage on your Riviera may be costing you.
  • Traffic violations increase rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one speeding ticket can boost insurance rates by as much as thirty percent. Careful drivers receive lower rates compared to drivers with tickets. Drivers with flagrant tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
  • Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • Extra coverages can waste money – There are many extra coverages that can waste your money on your Riviera policy. Things like rental car reimbursement, accident forgiveness and motor club memberships may be costing you every month. These coverages may sound good at first, but if you don’t need them remove them from your policy.
  • Your credit rating is important – Having a bad credit score is a large factor in calculating your insurance rates. Drivers with high credit scores tend to file fewer claims and have better driving records than those with lower credit scores. If your credit history is low, you could be paying less to insure your 1993 Buick Riviera by repairing your credit.
  • Being married can save on insurance – Getting married helps lower the price on your policy. It usually means you are more mature than a single person it has been statistically shown that married couples file fewer claims.

How to Get Auto Insurance Comparison Quotes

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.

  1. The best way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This method eliminates the need for separate forms for each company. One simple form will get you price quotes from several companies. This is by far the quickest method.
  2. A more time consuming way to get comparison quotes is spending the time to visit each company’s website to request a price quote. For sake of this example, let’s assume you want comparison quotes from Allstate, Farmers and Progressive. To get rate quotes you would need to go to every website and enter your information, and that’s why the first method is more popular.

    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.

Can switching companies really save?

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.

Pay less by taking advantage of discounts

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.

  • Paperless Signup – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Senior Citizens – If you’re over the age of 55, you may be able to get a small decrease in premiums on Riviera insurance.
  • Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on Riviera insurance with select insurance companies.
  • Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less on Riviera insurance than drivers with accident claims.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper compared to insuring an older model.

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.

Your coverage should be tailored to you

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.

  • Are my friends covered when driving my 1993 Buick Riviera?
  • What exactly is covered by my policy?
  • Is business property covered if stolen from my car?
  • How much liability insurance is required?
  • Why am I required to buy liability insurance?
  • Should I sign the liability waiver when renting a car?
  • What is the rate difference between pleasure use and commuting?
  • Is there coverage for injuries to my pets?
  • What is covered by UM/UIM coverage?
  • Should I waive the damage coverage when renting a car?

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.

Parts of your car insurance policy

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 coverage

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.

Liability 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.

Pennies from heaven

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.

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