Trying to find the cheapest car insurance rates for your Buick Riviera? Finding lower premiums on car insurance can be difficult for beginners to comparison shopping online. Drivers have so many choices that it can easily become a lot of work to locate the lowest price.
Choosing the best insurance company for you is not rocket science. If you are paying for car insurance now, you should be able to save some money using these methods. But drivers can benefit by having an understanding of the methods companies use to sell insurance online and apply this information to your search.
Car insurance companies don’t always publicize all their discounts in an easy-to-find place, so the following is a list of some of the more common and also the lesser-known savings tricks you should be using.
Consumers should know that some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.
For a list of companies offering insurance coverage discounts, follow this link.
When it comes to buying proper insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique.
Here are some questions about coverages that might point out if your insurance needs might need professional guidance.
If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form.
Learning about specific coverages of auto insurance helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.
Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Buick Riviera.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.
Liability auto insurance – This provides protection from injuries or damage you cause to other people or property. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers claims such as repair costs for stationary objects, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.
Collision coverage – This coverage pays for damage to your Riviera resulting 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 coverage protects against claims such as crashing into a building, colliding with a tree, hitting a mailbox and sideswiping another vehicle. 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. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as damage from flooding, fire damage, damage from getting keyed, a broken windshield and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like surgery, X-ray expenses, hospital visits, nursing services and chiropractic care. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Insureds leave their current company for a variety of reasons including policy cancellation, being labeled a high risk driver, poor customer service or delays in paying claims. Whatever your reason, finding the right car insurance provider is pretty simple and you could end up saving a buck or two.
Lower-priced 1998 Buick Riviera insurance can be purchased online and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who do not offer online quoting and these small insurance companies work with independent agents.
When shopping online for car insurance, it’s a bad idea to buy poor coverage just to save money. In too many instances, an insured cut liability coverage limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage at the best price while still protecting your assets.
Additional car insurance information can be found on the following sites: