1991 Buick Riviera Car Insurance Cost – 7 Policy Discounts

Have you had enough of paying out the nose to insure your Buick every month? You are no different than the majority of other car owners. Insurance companies such as Allstate and Progressive persitently shower you with TV and radio ads and it can be hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

You probably qualify for some discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts that you may not know about. Most are applied at the time of quoting, but lesser-known reductions have to be specially asked for prior to receiving the credit. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Multi-car Discount – Having more than one vehicle on the same auto insurance policy qualifies for this discount.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Senior Citizens – Mature drivers may receive a small decrease in premiums for Riviera coverage.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Accident Free – Good drivers with no accidents can save substantially compared to bad drivers.

Keep in mind that most discounts do not apply to the entire cost. Some only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way. But all discounts will cut your premiums.

For a list of providers with the best auto insurance discounts, click this link.

Comparison of Car Insurance

Getting a cheaper price on 1991 Buick Riviera insurance is a fairly straight forward process. All that’s required is to take the time comparing rate quotes online with multiple companies. This can be accomplished using a couple different methods.

  1. The easiest and least time consuming way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This method prevents you from having to do repetitive form entry to each individual car insurance company. In just a few minutes this one form compares rates from car insurance companies with the best prices.
  2. Another way to shop for car insurance online consists of visiting the website for every company you want to comare and complete a new quote form. For example, let’s assume you want rates from State Farm, Liberty Mutual and American Family. To get each rate you have to visit each site to enter your coverage information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
  3. The least recommended way of getting rate comparisons is to drive around to and from local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you want the personal advice that only a license agent can provide. It is possible to get the lowest quotes online but still have the advice of a local agent. We’ll cover that shortly.

Which method you use is up to you, but be sure to compare the exact same deductibles and coverage limits with every price quote. If your comparisons have different values for each quote it will be impossible to determine which rate is truly the best.

There’s no such thing as the perfect policy

When buying coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine whether or not you might need professional guidance.

  • How do I insure my teen driver?
  • Does my medical payments coverage pay my health insurance deductible?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered if I wreck a rental car?
  • Should I buy only the required minimum liability coverage?
  • Do I need replacement cost coverage on my 1991 Buick Riviera?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

The fine print in car insurance ads

Drivers can’t get away from ads for the lowest price auto insurance by Geico, State Farm and Progressive. All the ads have a common claim that you’ll save big after switching to their company.

How does each company say the same thing? It’s all in the numbers.

Different companies have a preferred profile for the driver they prefer to insure. A good example of a preferred risk could possibly be over the age of 40, insures multiple vehicles, and drives newer vehicles. A driver who meets those qualifications receives the best rates and is almost guaranteed to save when they switch companies.

Consumers who don’t meet these standards must pay higher rates which usually ends up with business going elsewhere. The ads state “drivers who switch” not “everyone that quotes” save that much. That is how companies can claim big savings.

This illustrates why you should quote coverage with many companies. It’s just too difficult to predict which insurance companies will provide you with the cheapest Buick Riviera insurance rates.

Learn about auto insurance coverages for a 1991 Buick Riviera

Having a good grasp of a auto insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most auto insurance policies.

Comprehensive insurance – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, hitting a deer, hitting a bird, rock chips in glass and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like nursing services, dental work, pain medications and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision – This coverage will pay to fix damage to your Riviera resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with a tree, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Buick Riviera.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability coverage – This can cover injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as legal defense fees, court costs, repair costs for stationary objects, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Saving money makes a lot of cents

While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. There have been many cases where an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Affordable 1991 Buick Riviera insurance can be bought both online and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

More detailed insurance coverage information can be found by following these links: