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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There isn’t a single person who gets a kick out of paying for car insurance, particularly when the cost is too high.

Big companies like Allstate, Progressive and GEICO persitently shower you with fancy advertisements and it is difficult to ignore the propoganda and take the time to shop coverage around.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these techniques. Finding the best rates is easy if you know what you’re doing. But car owners can benefit by having an understanding of the way companies sell insurance online.

The method we recommend to compare insurance rates in your area is to realize most of the bigger providers actually pay money for the chance to compare their rates. The only thing you need to do is provide details like whether you drive to work or school, your credit rating estimate, daily mileage, and if you have a valid license. Those rating factors is submitted instantly to multiple different insurance companies and they return rate quotes very quickly.

To compare multiple company rates now, click here and find out if you can get cheaper insurance.

Learn how to get car insurance more affordably

An important part of buying insurance is that you know the factors that are used to determine your premiums. When you understand what impacts premium levels, this helps enable you to make changes that will entitle you to lower premium levels. Lots of factors are used when pricing auto insurance. Some are pretty understandable like an MVR report, but others are not as apparent like your vehicle usage and annual miles driven.

The following are some of the items used by insurance companies to determine rates.

  • You might want pay the minor claims yourself – Auto insurance companies generally give lower rates to drivers who are not frequent claim filers. If you file a lot of claims you can expect much higher rates or policy non-renewal. Your insurance policy is designed for larger claims.
  • Raise your deductibles for better prices – The deductibles you choose define the amount you are willing to pay if a covered claim is submitted. Insurance for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply could be colliding with a stationary object, vandalism, and damage from wind. The more of the claim you are required to pay out-of-pocket, the less money you will pay for car insurance on Riviera coverage.
  • Insurance is expensive for teen drivers – Inexperience drivers are statistically shown to be inattentive when driving so car insurance rates are higher. Mature drivers tend to be more responsible, cost insurance companies less in claims and receive fewer citations.
  • Better premiums on safer vehicles – Cars with five star safety ratings tend to be cheaper to insure. Safe vehicles reduce injuries and fewer serious injuries means less claims paid and cheaper rates on your policy.
  • Add-on coverages push up premiums – There are quite a few optional add-on coverages that you can get tricked into buying on your 1993 Riviera policy. Things like rental car reimbursement, accident forgiveness, and Farm Bureau memberships could be just wasting money. They may seem like a good idea when you first buy your policy, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
  • Never let your coverage expire – Having a gap between insurance policy dates will be a fast way to trigger a rate increase. Not only will you pay higher rates, the inability to provide proof of insurance might get you fines or a revoked license.
  • Fewer miles means better prices – The higher the miles on your Buick each year the higher the price you pay to insure it. A lot of companies charge to insure your cars based on their usage. Cars that sit idle most of the time get more affordable rates compared to those used for work or business. Double check that your vehicle rating correctly shows annual mileage, because it can save money. Having an incorrect usage rating on your Riviera can result in significantly higher rates.
  • Do men or women drive better? – Over the last 30 years, statistics show women tend to be less risk to insure than men. It does not mean males are worse at driving than females. They both are in fender benders at about the same rate, but the males have accidents that have higher claims. Men also tend to receive more costly citations like reckless driving and DUI. Males from age 16 to 21 cause the most accidents so they pay the highest premiums.

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These discounts can cut insurance coverage rates

Some providers don’t necessarily list every available discount very well, so the following list contains a few of the more well known and also the more inconspicuous discounts that may be available.

  • Smart Student Discounts – A discount for being a good student may save as much as 25% on a insurance coverage quote. Earning this discount can benefit you well after school through age 25.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better premium rates if you take out a life insurance policy as well.
  • Multi-Vehicle Discounts – Drivers who insure multiple vehicles on a single policy may reduce the rate for each vehicle.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Buick could be rewarded with lower rates due to less chance of an accident.
  • Early Signing – Some insurance coverage companies give discounts for switching policies early. You may see this discount when you get insurance coverage quotes online.
  • Discount for Passive Restraints – Vehicles equipped with air bags may get savings of up to 25% or more.
  • Payment Method – If paying your policy premium upfront rather than paying in monthly installments you can actually save on your bill.

A little disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you can get free auto insurance, companies don’t profit that way. Any qualifying discounts will cut your insurance coverage premiums.

To locate insurance coverage companies with significant discounts, click here.

When do I need an agent’s advice?

When it comes to buying the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions could help you determine whether your personal situation might need professional guidance.

  • Do I need replacement cost coverage on my 1993 Buick Riviera?
  • Is pleasure use cheaper than using my 1993 Buick Riviera to commute?
  • When can I cancel my policy?
  • What exactly is covered by my policy?
  • Can I drive in Mexico and have coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need motorclub coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Coverages available on your policy

Having a good grasp of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types offered by insurance companies.

UM/UIM Coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a mailbox, driving through your garage door, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical costs insurance

Med pay and PIP coverage provide coverage for immediate expenses such as dental work, funeral costs, pain medications and hospital visits. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Liability coverage

This provides protection from injuries or damage you cause to other people or property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like legal defense fees, funeral expenses and medical services. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hail damage, a broken windshield, vandalism, a tree branch falling on your vehicle and damage from flooding. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

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

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Best coverage at the best price

We just covered many ways to reduce 1993 Buick Riviera insurance prices online. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. Consumers could even find that the best prices are with a small mutual company. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive and GEICO.

As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where an accident victim reduced uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. The aim is to purchase plenty of coverage at the best price.

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