1999 Buick Riviera Insurance Rates – 10 Savings Tips

Want lower insurance coverage rates for your Buick Riviera? Are you frustrated by the wide range of insurance coverage sources available to you? Many other drivers are as well. People have so many sources to choose from that it can be a real difficult job to locate the lowest rates.

You need to get comparison quotes once or twice a year because insurance coverage prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest quotes for Riviera coverage at your last renewal there is a good chance you can find better rates now. There are lots of tips to save on insurance coverage online but you can learn a bunch of ideas how to find affordable insurance coverage.

Compare car insurance quotes

To find cheaper rates, there are a couple of ways of comparing rates from companies that offer car insurance in your state. The fastest way to comparison shop is to jump online and get quotes. It is quite easy and can be accomplished in several different ways.

Experts agree that the best way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This form saves time by eliminating a different quote for each price estimate. Taking the time to complete one form gets rate comparisons instantly. This is perfect if you don’t have a lot of time.

A more time consuming way to analyze rates requires you to visit each individual company website to complete a price quote. For examples sake, we’ll assume you want comparison quotes from GEICO, Liberty Mutual and Progressive. To get rate quotes you would need to go to every website to enter your coverage information, which can take a lot of time.

For a list of links to companies insuring cars in your area, click here.

The least recommended method of comparing rate quotes to all the different insurance agencies. Comparing rates online makes this unnecessary unless you prefer the professional guidance of a local agent. If you prefer, some companies allow you to compare online quotes but still have the advice of a local agent.

It’s your choice how you get your quotes, but be certain you are entering apples-to-apples deductibles and coverage limits for each price quote. If you compare different deductibles it will be impossible to make a fair comparison for your Buick Riviera. Just a small difference in coverages may result in large price differences. Keep in mind that more quotes will enable you to find a lower rate than you’re paying now. Some insurance companies are not set up to provide rate quotes online, so it’s important to compare quotes on coverage from those companies, too.

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Save a ton with these ten auto insurance discounts

Insurance can be prohibitively expensive, but there may be some discounts that may help make it more affordable. Many discounts should be triggered at the time of purchase, but some may not be applied and must be manually applied before they will apply.

• Low Mileage Discounts – Fewer annual miles on your Buick could be rewarded with cheaper premium rates.
• Early Payment Discounts – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
• No Charge for an Accident – Not a discount per se, but companies like Progressive, Allstate, and GEICO will forgive one accident before hitting you with a surcharge so long as you are claim-free for a certain period of time.
• Organization Discounts – Joining qualifying employment or professional organizations may earn a discount on your bill.
• Sign Online – Many auto insurance companies will provide an incentive simply for signing online.
• More Vehicles More Savings – Drivers who insure several vehicles with one company can reduce the rates for all insured vehicles.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts could see savings of up to 25% or more.
• Claim-Free Discount – Drivers who don’t have accidents get the best auto insurance rates as compared to drivers who are more careless.
• Life Insurance – If the company offers life insurance, you could get lower auto insurancerates if you buy auto and life insurance together.
• Employee of Federal Government – Active or retired federal employment could cut as much as 10% off for Riviera coverage but check with your company.

Policy discounts save money, but most discounts do not apply the the whole policy. Some only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, nobody gets a free ride.

Larger auto insurance companies and some of the premium reductions they offer are included below.

• Farmers Insurance offers premium reductions for teen driver, electronic funds transfer, multi-car, mature driver, and bundle discounts.
• Esurance offers discounts for renters, homeowner, claim free, good student, online shopper, and paid-in-full.
• State Farm may have discounts that include Steer Clear safe driver discount, accident-free, driver’s education, Drive Safe & Save, and good driver.
• GEICO has savings for air bags, good student, driver training, multi-policy, anti-theft, and membership and employees.
• Allstate may offer discounts for resident student, EZ pay plan discount, passive restraint, teenSMART discount, and economy car.

When getting a coverage quote, ask all the companies which discounts can lower your rates. Depending on the company, some discounts may not apply in your state. If you would like to view insurers with significant discounts, click here to view.

Insurance can get complicated

When it comes to buying the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine if your situation could use an agent’s help.

• Is other people’s property covered if stolen from my vehicle?
• Am I covered when driving on a suspended license?
• Do I have coverage for damage caused while driving under the influence?
• Do I have coverage when using my vehicle for my home business?
• Can I rate high risk drivers on liability-only vehicles?
• Am I covered by my spouse’s policy after a separation?
• Where can I find high-risk insurance?
• When can my company non-renew my policy?
• Who is covered by my policy?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form.

Car insurance coverage information

Having a good grasp of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Medical costs insurance

Med pay and PIP coverage pay for immediate expenses for surgery, dental work, chiropractic care, pain medications and prosthetic devices. They can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Coverage for liability

Liability coverage can cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as funeral expenses, repair costs for stationary objects, medical services, emergency aid and pain and suffering. How much coverage you buy is your choice, but buy higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, rock chips in glass, vandalism, damage from flooding and fire damage. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Buick Riviera.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Collision protection

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a parking meter, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

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Money doesn’t grow on trees

A few companies do not offer rate quotes online and many times these regional carriers prefer to sell through independent insurance agents. Cheaper 1999 Buick Riviera insurance is definitely available both online and from local agencies, and you should compare rates from both to have the best rate selection.

When searching for affordable auto insurance quotes, never skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. The ultimate goal is to find the BEST coverage at the best possible price while not skimping on critical coverages.

In this article, we presented a lot of techniques to save on 1999 Buick Riviera insurance. The key thing to remember is the more companies you get prices for, the better likelihood of getting the cheapest auto insurance. You may even find the biggest savings come from an unexpected company.

To learn more, take a look at the resources below:

• Uninsured Motorist Statistics (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Should I Buy a New or Used Car? (Allstate)
• How to Avoid Common Accidents (State Farm)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)