Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Did you come to the realization that you have an expensive insurance coverage policy? Believe me, many consumers feel financially strained by their insurance coverage policy. Companies like GEICO, Farmers Insurance and State Farm constantly bombard you with TV and radio ads and consumers find it hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

Get lower rates with these insurance discounts

Some providers don’t always publicize all disounts in an easy-to-find place, so the list below contains both well-publicized as well as some of the hidden discounts you could be receiving when you buy auto insurance online.

  • Onboard Data Collection – Insureds that choose to allow driving data submission to monitor vehicle usage through the use of a telematics system such as Progressive’s Snapshot could save a few bucks if they are good drivers.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts may earn rate discounts as much as 30%.
  • Employee of Federal Government – Active or former government employment can save as much as 8% for Riviera insurance but check with your company.
  • Good Drivers – Drivers without accidents can save as much as half off their rates for Riviera insurance than drivers with accident claims.
  • Braking Control Discount – Vehicles that have anti-lock braking systems are much safer to drive and earn discounts up to 10%.

We need to note that most discounts do not apply to the entire cost. Most cut the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way.

A few of the larger companies and their offered discounts are:

  • GEICO may offer discounts for seat belt use, air bags, federal employee, driver training, and membership and employees.
  • USAA discounts include loyalty savings, driver training, good student, multi-vehicle, and defensive driver.
  • Progressive offers premium reductions for homeowner, multi-vehicle, continuous coverage, multi-policy, good student, online signing, and online quote discount.
  • American Family has savings for good driver, early bird, good student, TimeAway discount, mySafetyValet, and defensive driver.
  • Esurance has discounts for emergency road assistance, anti-lock brakes, homeowner, Pac-12 alumni, and multi-car.
  • Farmers Insurance may have discounts that include good student, pay in full, teen driver, electronic funds transfer, and alternative fuel.
  • State Farm offers discounts for Drive Safe & Save, defensive driving training, anti-theft, safe vehicle, student away at school, and multiple policy.

When getting a coverage quote, ask every insurance company which credits you are entitled to. Some discounts might not apply in your area. To see insurers that offer many of these discounts, click here.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Learn how to lower your insurance premiums

Consumers need to have an understanding of a few of the rating criteria that help calculate your premiums. If you have a feel for what controls the rates you pay, this allows you to make good choices that can help you get much lower annual insurance costs. Multiple criteria are taken into consideration when you get a price on insurance. Some are obvious such as your driving history, but other factors are not quite as obvious such as your marital status or your vehicle rating.

Shown below are a partial list of the pieces used by insurance companies to determine premiums.

  • Too many policy claims will drive rates up – Insurance companies give most affordable rates to drivers that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can expect either higher rates or even cancellation. Auto insurance is intended for claims that pose a financial burden.
  • Keep the miles off and save – The more miles you rack up on your Buick every year the more it will cost to insure it. Almost all companies rate vehicles based upon how the vehicle is primarily used. Cars that sit idle most of the time cost less to insure compared to those used for work or business. It’s a good idea to make sure your declarations sheet reflects the correct driver usage, because improper ratings can cost you money. An incorrectly rated Riviera is throwing money out the window.
  • Prevent your car from being stolen – Buying a car with an alarm system can help bring down rates. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft and help bring rates down.
  • Costs for guys may be higher – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. Now that doesn’t mean males are worse at driving than females. Females and males get in accidents at a similar rate, but the male of the species tend to have higher claims. Not only are claims higher, but men get ticketed for serious violations such as DWI and reckless driving. Male drivers age 16 to 19 have the highest risk to insure and therefore are the most expensive to insure.
  • Your location is important – Living in less populated areas of the country can be a good thing when talking about auto insurance. People in densly populated areas have to deal with more road rage incidents and longer commute times. Lower population means less chance of accidents and also fewer theft and vandalism claims.

Insurance can get complicated

When buying the right insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions may help highlight if your insurance needs will benefit from professional help.

  • When would I need additional glass coverage?
  • Am I covered if my car is in a flood?
  • When can my company non-renew my policy?
  • Am I covered when delivering products for my home-based business?
  • What is UM/UIM insurance?
  • Does having multiple vehicles earn me a discount?
  • Which is better, split liability limits or combined limits?
  • Is business equipment covered while in my vehicle?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Insurance coverage in the media

Drivers constantly see and hear ads for insurance coverage savings by companies like State Farm, GEICO and Progressive. All the ads tend to make the same promise about saving some big amount if you just switch your coverage to them.

How does every insurance coverage company sell you cheaper insurance coverage? Here is the trick they use.

Companies have a preferred profile for the type of driver that earns them a profit. One example of a desirable risk should be over the age of 45, has had continuous coverage, and has a high credit rating. Someone that matches those criteria receive the lowest rate quotes and will also save when switching.

Potential insureds who are not a match for this stringent profile may receive a higher premium and this can result in the customer buying from someone else. The wording the ads use say “people who switch” not “all people who quote” save money. That’s why companies can make the claims of big savings. Because each company has a different risk profile, you need to do a quote comparison often. It’s not possible to predict which insurance companies will have the lowest rates for your situation.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Specific coverages for a Buick Riviera

Learning about specific coverages of insurance can help you determine the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages offered by insurance companies.

Coverage for liability

Liability insurance protects you from damage or injury you incur to other people or property. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as repair costs for stationary objects, medical services, legal defense fees and pain and suffering. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, falling objects, rock chips in glass and damage from getting keyed. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

Collision insurance will pay to fix damage to your Riviera caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a parking meter, damaging your car on a curb, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also increase the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like rehabilitation expenses, EMT expenses, chiropractic care, dental work and funeral costs. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Compare but don’t skimp

We just presented quite a bit of information on how to compare 1991 Buick Riviera insurance premium rates online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the lowest premium rates are with an unexpected company. These companies can often provide lower prices in certain areas compared to the large companies like State Farm, GEICO and Nationwide.

More affordable car insurance can be sourced from both online companies in addition to local insurance agencies, and you need to comparison shop both so you have a total pricing picture. Some car insurance companies don’t offer the ability to get quotes online and many times these small, regional companies only sell through independent agencies.

For more information, take a look at the resources below: