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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Trying to find the cheapest auto insurance rates for your Buick Riviera? Searching for the cheapest insurance for a Buick Riviera can be an all-consuming task, but you can learn our auto insurance buying tips to find lower rates.

There are more efficient ways to buy auto insurance so we’re going to tell you the best way to price shop coverage for your Buick and obtain the cheapest rates from both online companies and local agents.

It’s a good habit to check auto insurance prices periodically since insurance prices fluctuate regularly. If you had the best rates for Riviera coverage a few years ago you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance on the web, but we’re going to give you some proven techniques to put money back in your pocket.

If you have a policy now or are shopping for new coverage, you can use these techniques to reduce the price you pay and possibly find even better coverage. Buying affordable car insurance coverage is simple if you know the tricks. Vehicle owners only need to know the most efficient way to compare prices online.

Get affordable auto insurance quotes with discounts

Not too many consumers would say auto insurance is affordable, but discounts can save money and there are some available that you may not even be aware of. A few discounts will be applied at the time of purchase, but a few must be asked about before you will receive the discount. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • ABS Brakes – Cars with ABS and/or traction control have fewer accidents and will save you 10% or more.
  • Online Discount – Some auto insurance companies provide a small discount for buying a policy and signing up on their website.
  • Good Grades Discount – Performing well in school can earn a discount of 20% or more. The good student discount can last until age 25.
  • Driver Training Discounts – Passing a course teaching defensive driver skills could cut 5% off your bill and make you a better driver.
  • Theft Deterent System – Vehicles with anti-theft systems help deter theft so companies will give you a small discount.

You can save money using discounts, but most of the big mark downs will not be given to the entire cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So even though you would think adding up those discounts means a free policy, nobody gets a free ride.

A few popular companies and a partial list of their discounts are shown below.

  • GEICO offers premium reductions for emergency military deployment, daytime running lights, defensive driver, membership and employees, and anti-theft.
  • Mercury Insurance offers discounts for professional/association, low natural disaster claims, annual mileage, anti-theft, good driver, and ease of repair.
  • Farmers Insurance offers discounts including mature driver, business and professional, electronic funds transfer, alternative fuel, and multi-car.
  • Auto-Owners Insurance has discounts for multiple vehicles, multi-policy, safe vehicle, anti-lock brakes, and paid in full.
  • Liberty Mutual may offer discounts for hybrid vehicle, safety features, new vehicle discount, newly married, multi-policy, preferred payment discount, and multi-car.
  • SAFECO discounts include teen safe driver, bundle discounts, teen safety rewards, anti-theft, homeowner, and drive less.
  • Progressive may include discounts for multi-policy, online signing, multi-vehicle, good student, homeowner, continuous coverage, and online quote discount.
  • USAA has savings for multi-policy, family discount, safe driver, vehicle storage, multi-vehicle, and defensive driver.

Double check with all companies you are considering how many discounts you can get. All car insurance discounts may not apply everywhere. For a list of companies with the best auto insurance discounts, click here to view.

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

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Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining whether or not you may require specific advice.

  • Do I have any recourse if my insurance company denies a claim?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • When should I buy a commercial auto policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Does having multiple vehicles earn me a discount?
  • What happens if I owe more than my 1996 Buick Riviera is worth?
  • Am I covered when driving a rental car?

If you can’t answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Switch companies and save? Really?

Drivers can’t escape the ads that promise big savings from the likes of Progressive, GEICO, Allstate and State Farm. They all tend to make the same promise about how much you will save if you move your coverage.

But how can every company charge you a lower premium? You have to listen carefully.

Different companies have specific characteristics for the type of driver that earns them the highest profit. For example, a profitable customer should be a married female, has a clean driving record, and drives less than 10,000 miles a year. Any person that fits those parameters will probably get cheap prices and will most likely save a lot if they switch.

Insureds who do not fit these criteria will probably have to pay more expensive rates and this can result in the customer buying from someone else. Company advertisements say “drivers who switch” not “everyone that quotes” save money. That is how insurance companies can make the claims of big savings.

Because of the profiling, it is so important to do a rate comparison at every renewal. Because you never know with any certainty which company will have the best car insurance rates at this point in time.

Car insurance specifics

Learning about specific coverages of your policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive (Other than Collision) – This pays for 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 can pay for claims such as damage from getting keyed, vandalism, theft, hitting a deer and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

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

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as emergency aid, legal defense fees and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision – Collision coverage will pay to fix damage to your Riviera from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as scraping a guard rail, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for expenses for EMT expenses, ambulance fees and rehabilitation expenses. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Buick Riviera.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

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

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A penny saved is a penny earned

We just showed you a lot of information how to get a better price on 1996 Buick Riviera insurance. The key concept to understand is the more times you quote, the better chance you’ll have of finding low cost car insurance. You may even discover the biggest savings come from a smaller regional carrier.

Insureds who switch companies do it for many reasons like an unsatisfactory settlement offer, delays in paying claims, high prices and even policy non-renewal. Whatever your reason, finding a new insurance company is not as hard as you think.

When buying insurance coverage, it’s very important that you do not reduce needed coverages to save money. There are too many instances where drivers have reduced comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. The goal is to purchase a proper amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

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