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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Looking for the cheapest car insurance rates? Shoppers have lots of choices when shopping for the best price on Buick Riviera insurance. You can either spend your time struggling with agents getting price quotes or save time using the internet to find the lowest rates. There are more efficient ways to buy car insurance and we’ll show you the best way to price shop coverage for your Buick and locate the lowest possible price from both online companies and local agents.

It’s a great practice to compare rates on a regular basis because prices are usually higher with each renewal. Just because you found the lowest quotes on Riviera coverage two years ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because you’re going to learn the fastest way to remove unneeded coverages and save money.

Finding the best rates is easy if you know what you’re doing. If you currently have car insurance, you will most likely be able to save some money using these methods. Vehicle owners only need an understanding of the best way to shop for auto insurance online.

Where can I get affordable insurance coverage?

There are a lot of ways to shop for insurance coverage, and some are less labor-intensive and much quicker. You can waste a lot of time driving to agents in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

The majority of car insurance companies are enrolled in a marketplace where insurance shoppers submit their information once, and every company provides a quote. This saves time by eliminating quote forms to each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The single downside to using this type of system is you can’t choose the providers to receive prices from. So if you prefer to pick specific providers to compare rates, we have a listing of companies who write insurance coverage in your area. View list of insurance companies.

Compare rates however you want, just make darn sure you compare equivalent quote data for each comparison quote. If you are comparing different values for each quote you can’t possibly truly determine the lowest rate.

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

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Get lower-cost car insurance rates with discounts

Companies that sell car insurance don’t list their entire list of discounts in an easy-to-find place, so the list below gives a summary of a few of the more common and the harder-to-find discounts that may be available.

  • 55 and Retired – If you’re over the age of 55, you may qualify for a small discount on rates on Riviera coverage.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Defensive Driver Discounts – Taking time to complete a driver safety class could earn you a small percentage discount depending on where you live.
  • Good Grades Discount – Maintaining excellent grades may save as much as 25% on a car insurance quote. You can use this discount normally until age 25.
  • Telematics Data Discounts – Policyholders that allow driving data collection to monitor vehicle usage by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they have good driving habits.

One last thing about discounts, most discounts do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, it’s just not the way it works.

A partial list of companies that may offer some of the discounts shown above may include but are not limited to:

Double check with every prospective company how many discounts you can get. Some credits may not be available in your state.

Tailor your insurance coverage to you

When buying adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different.

For example, these questions can help discover whether your personal situation could use an agent’s help.

  • Exactly who is provided coverage by my policy?
  • Why do I need rental car insurance?
  • Does car insurance cover theft of personal property?
  • How much liability insurance is required?
  • Is my state a no-fault state?
  • Am I missing any policy discounts?
  • Does coverage extend to Mexico or Canada?
  • Is extra glass coverage worth it?
  • What is PIP insurance?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Learn about auto insurance coverages for a Buick Riviera

Knowing the specifics of auto insurance helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Liability auto insurance

This protects you from damage that occurs to people or other property. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as medical expenses, pain and suffering, funeral expenses, repair costs for stationary objects and bail bonds. How much coverage you buy is up to you, but consider buying higher limits if possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Buick Riviera.

Because many people 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 is very important.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as nursing services, X-ray expenses, rehabilitation expenses and ambulance fees. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

Collision insurance covers damage to your Riviera resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as damaging your car on a curb, driving through your garage door and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

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

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Feed the piggy bank

As you quote car insurance, do not skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped liability coverage limits and found out when filing a claim that it was a big mistake. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Throughout this article, we presented many ideas to lower your 1997 Buick Riviera insurance premium rates. The key concept to understand is the more price quotes you have, the better likelihood of getting inexpensive car insurance. Consumers could even find that the lowest premium rates are with a small local company.

People who switch companies do it for a variety of reasons including high rates after DUI convictions, policy cancellation, not issuing a premium refund or even extreme rates for teen drivers. Whatever your reason, finding the right insurance provider can be pretty painless.

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