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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Buyers have options when searching for the best price on Buick Riviera insurance. They can either spend hours driving around getting price quotes or leverage the internet to make rate comparisons.

There are both good and bad ways to compare auto insurance rates so we’re going to tell you the absolute fastest way to quote coverages for a new or used Buick and get the lowest price either online or from local insurance agents.

You should take the time to compare prices as often as possible since prices are usually higher with each renewal. Despite the fact that you may have had the best deal on Riviera coverage two years ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the fastest way to reduce your cost while improving coverage.

Insurance coverage companies offer lots of discounts

Some companies do not list 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 more hidden credits available to lower your premiums when you buy insurance online. If you check and find you aren’t receiving every discount possible, you are throwing money away.

  • No Claim Discounts – Good drivers with no accidents have much lower rates in comparison to drivers with a long claim history.
  • Paperless Signup – A few larger online companies will give you a small discount for buying a policy and signing up over the internet.
  • Senior Discount – Seniors may qualify for a small decrease in premiums on Riviera coverage.
  • Switch and Save Discount – Some insurance coverage companies provide a discount for signing up before your current policy expires. You may see this discount when you get insurance quotes online.
  • Driver’s Education for Students – It’s a good idea to have your young drivers enroll and complete driver’s education if it’s offered in school.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Federal Employees – Simply working for the federal government can save as much as 8% on Riviera coverage with certain companies.
  • One Accident Forgiven – Not necessarily a discount, but some companies like State Farm and Progressive will forgive one accident without raising rates so long as you haven’t had any claims for a certain period of time.

While discounts sound great, it’s important to understand that most credits do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comp or med pay. Just because you may think you could get a free insurance coverage policy, companies wouldn’t make money that way.

Some companies that may offer quotes with many of the previously listed discounts are:

When quoting, ask all companies you are considering which discounts can lower your rates. Some discounts may not be offered in your area.

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

secured lock Secured with SHA-256 Encryption

How to compare free insurance rate quotes

All the larger insurance companies such as State Farm and Allstate allow you to get coverage price quotes on their websites. Doing online quotes is fairly simple as you simply enter the coverages you want as requested by the quote form. Upon sending the form, their quoting system collects your credit score and driving record and returns a price quote based on these factors.

Being able to quote online helps simplify price comparisons, but the time it takes to visit a lot of sites and type in the same information gets old quite quickly. Unfortunately, it is important to do this if you want to find the lowest insurance rates.

An easier way to find lower prices is to use a quote form that analyzes rates from a lot of companies. It’s a real time-saver, requires much less work on your part, and makes online quotes much more enjoyable. After your information is entered, it is quoted with multiple companies and you can pick any one of the returned quotes.

If the quotes result in lower rates, you simply finish the application and buy the policy. The whole process takes 15 minutes at the most and you will know how your current rates stack up.

To find out how much you can save on insurance, click here to open in new window and complete the simple form. If you have a policy now, it’s recommended that you enter the coverage information just like they are on your policy. This ensures you will be getting rate comparison quotes based on similar coverages.

What affects Buick Riviera insurance costs?

Part of the insurance buying process is learning a few of the rating criteria that aid in calculating your premiums. When you know what positively or negatively determines premiums, this helps enable you to make changes that may result in cheaper rates. Lots of factors are part of the equation when you get your auto insurance bill. Most are fairly basic like your driving record, although others are not as apparent such as your credit history or your commute time.

The factors shown below are some of the most rate-impacting factors used by companies to determine your rates.

  • Driver age impacts costs – Teenage drivers are known to be inattentive when driving therefore insurance rates are much higher. Adding a inexperienced driver to your insurance policy can be quite pricey. Older drivers are shown to be more cautious, tend to file fewer claims and get fewer tickets.
  • Married drivers get better rates – Walking down the aisle can get you a discount compared to being single. Marriage demonstrates that you tend to be more mature and responsible and statistics show married drivers tend to file fewer claims.
  • Your stress level may be raising your premiums – Occupations like lawyers, social workers and miners usually pay higher average rates in part from intense work-related stress and extremely grueling work hours. On the other hand, jobs such as scientists, engineers and homemakers get better rates on Riviera coverage.
  • Commute or pleasure use – Driving more miles annually the more it will cost to insure it. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Autos that have low annual miles receive better premium rates than vehicles that are driven to work every day. Ask your agent if your insurance policy shows the correct driver usage. An incorrectly rated Riviera can result in significantly higher rates.
  • A insurance policy lapse can increase rates – Driving with no insurance is illegal and insurance companies will penalize you for letting your insurance lapse. Not only will you pay higher rates, the inability to provide proof of insurance may earn you a hefty fine and possibly a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.

Do I just need basic coverages?

When it comes to buying coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions could help you determine whether you will benefit from professional help.

  • Can I make deliveries for my home business?
  • If my pet gets injured in an accident are they covered?
  • Am I covered if I wreck a rental car?
  • How can I get my company to pay me more for my totalled car?
  • Is my teen driver covered when they drive my company car?
  • I have a DUI can I still get coverage?
  • Should I have a commercial auto policy?
  • Do I pay less for low miles?
  • What can I do if my company won’t pay a claim?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

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

secured lock Secured with SHA-256 Encryption

Insurance coverage advertising gotchas

Consumers can’t escape the ads that claim the lowest car insurance rates by State Farm and Allstate. They all seem to make the same claim that drivers can save some big amount after switching your coverage to them.

How is it possible that every company can sell you cheaper insurance coverage? You have to listen carefully.

Companies look for specific characteristics for the type of driver they prefer to insure. For example, a profitable insured may need to be between the ages of 40 and 55, owns their home, and chooses high deductibles. Someone that matches those criteria will qualify for the lowest rates and will most likely save when switching.

Insureds who cannot meet those criteria will see a higher premium and ends up with business going elsewhere. If you pay attention, the ads say “customers who switch” but not “all drivers who get quotes” will save that much if they switch. That’s why insurance companies can advertise the savings.

This illustrates why you should get a wide range of price quotes. Because you never know the company that will have the best car insurance rates for your profile.

Auto insurance coverage information

Understanding the coverages of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.


Liability coverage provides protection from damage or injury you incur to other’s property or people that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like funeral expenses, pain and suffering and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive coverages

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, rock chips in glass, damage from flooding, damage from getting keyed and damage from a tornado or hurricane. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for nursing services, X-ray expenses and doctor visits. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Buick Riviera.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Collision insurance

Collision insurance will pay to fix damage to your Riviera caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a building, rolling your car, colliding with a tree, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

A penny earned…

Cheaper car insurance can be sourced both online in addition to local insurance agencies, so you need to shop insurance with both to have the best rate selection. Some insurance companies do not provide online rate quotes and many times these regional insurance providers only sell through independent agents.

In this article, we presented some good ideas how you can lower your 1992 Buick Riviera insurance auto insurance rates. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your premium rates. You may even find the biggest savings come from a company that doesn’t do a lot of advertising.

When shopping online for car insurance, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice physical damage coverage only to find out that it was a big error on their part. Your focus should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

More articles