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1995 Buick Riviera Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 3, 2020

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Looking for cheaper auto insurance rates? Shoppers have options when shopping for affordable Buick Riviera insurance. You can either waste hours struggling with agents to get rate comparisons or leverage the internet to find the lowest rates. There are both good and bad ways to buy auto insurance and we’ll show you the best way to quote coverages for your Buick and get the cheapest rates either online or from local insurance agents.

It’s smart to do rate comparisons on a regular basis due to the fact that insurance rates are constantly changing. Even if you got the best price on Riviera insurance a year ago you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate one of the easiest ways to lower your rates without sacrificing coverage.

If you are insured now or need a new policy, you can learn to find the best rates and possibly find even better coverage. The purpose of this post is to teach you how to get online quotes and some tips to save money. Consumers just need to learn the proper methods to shop for insurance coverage online.

The quickest way to get rate comparisons is to realize most insurance companies allow for online access to give rate comparisons. The only thing you need to do is spend a couple of minutes providing details such as if you require a SR-22, coverage limits, how old drivers are, and your credit rating estimate. That information gets transmitted to multiple insurance coverage providers and you should receive rate quotes with very little delay.

How much can you save with discounts?

Companies offering auto insurance don’t always list all available discounts in an easy-to-find place, so here is a list some of the more common and the more hidden discounts you could be receiving. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Paperless Signup – A handful of insurance companies will give a small break for buying your policy digitally online.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like liability and collision coverage. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

To see a list of companies with discount auto insurance rates, follow this link.

How much car insurance do I need?

When it comes to buying the best insurance coverage coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions might help in determining whether you would benefit from professional advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Why am I required to buy liability insurance?
  • How can I get high-risk coverage after a DUI?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • If my 1995 Buick Riviera is totaled, can I afford another vehicle?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Lesser-known factors impacting Buick Riviera insurance rates

Smart consumers have a good feel for the different types of things that go into determining car insurance rates. Knowing what influences your rates helps enable you to make changes that may reward you with much lower annual insurance costs.

Listed below are some of the items that factor into rates.

  • Consolidate policies to earn discounts – Many insurers will give a discount to people who buy several policies from them. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even if you’re getting this discount you may still want to compare rates to make sure you are getting the best deal.
  • Men pay higher rates – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Men and women tend to get into accidents in similar percentages, but men have costlier accidents. Men also get cited for more serious violations like DUI and reckless driving. Young males are several times more likely to be in an accident and therefore have the most expensive car insurance rates.
  • Allowing your policy to lapse raises rates – Driving your car without having proper coverage is a misdemeanor and you will pay a penalty because you let your coverage have a gap. And not only will your rates increase, failure to provide proof of insurance will get you a license revocation or jail time.
  • Older drivers pay less – More mature drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel. Teen drivers are statistically proven to get distracted easily when driving therefore car insurance rates are much higher.
  • Protect your assets with liability insurance – Liability insurance is the coverage that protects you when you are found to be at fault for personal injury or accident damage. It will provide you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
  • A clean driving record saves money – Just one ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Drivers who have flagrant citations such as DUI or reckless driving may need to file a SR-22 with the DMV in their state in order to keep their license.
  • Frequent car insurance claims increase rates – If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Companies award lower rates to policyholders who are claim-free. Car insurance is intended for major claims that would cause financial hardship.

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Beware of misleading auto insurance ads

Consumers constantly see and hear ads that promise big savings by Progressive, Allstate and GEICO. They all seem to make an identical promise that you’ll save big if you switch to their company.

How can each company make the same claim?

All companies can use profiling for the right customer they prefer to insure. An example of a driver they prefer might be between 25 and 40, has no tickets, and has a high credit rating. A customer that hits that “sweet spot” is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential customers who are not a match for these standards will have to pay higher prices and ends up with business not being written. The ads say “customers who switch” not “everyone that quotes” save that kind of money. This is how insurance companies can state the savings. Because of the profiling, you absolutely need to compare many company’s rates. It’s not possible to predict the company that will have the lowest Buick Riviera insurance rates.

Car insurance coverage information

Knowing the specifics of auto insurance can help you determine the right 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.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like fire damage, vandalism, hitting a deer and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Insurance for medical payments

Med pay and PIP coverage provide coverage for expenses such as funeral costs, surgery, ambulance fees and hospital visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 1995 Buick Riviera.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as rolling your car, hitting a parking meter, crashing into a ditch, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Coverage for liability

This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged property.

Liability coverage protects against things such as repair costs for stationary objects, attorney fees and bail bonds. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Quote more, save more

As you shop your coverage around, you should never buy less coverage just to save a little money. In many instances, someone sacrificed collision coverage and found out when filing a claim that they should have had better coverage. The proper strategy is to buy enough coverage for the lowest price, not the least amount of coverage.

Drivers change insurance companies for any number of reasons including policy cancellation, being labeled a high risk driver, questionable increases in premium and delays in responding to claim requests. Whatever your reason, choosing a new insurance company can be less work than you think.

In this article, we covered a lot of tips how to shop for 1995 Buick Riviera insurance online. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. You may even find the best prices are with the least-expected company.

To learn more, link through to these articles:

Use our FREE quote tool to compare rates now!

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