How Much Does 1992 Buick Riviera Insurance Cost?

Have you had enough of being strong-armed to pay your car insurance bill each month? You are in the same boat as millions of other consumers. Popular companies such as GEICO, 21st Century and Progressive increase brand awareness with advertising and it is challenging if not impossible to sift through the bull and find the best price available.

You should make it a habit to do rate comparisons occasionally because prices are adjusted regularly by insurance companies. Even if you got the lowest rates for Riviera insurance a couple years back you may be paying too much now. Don’t believe everything you read about insurance on the web, but with this article, you’re going to get some proven techniques to stop overpaying for insurance.

Lower rates by qualifying for discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to help bring down the price. Larger premium reductions will be automatically applied at quote time, but a few need to be specially asked for before you get the savings. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Claim Free – Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Low Mileage Discounts – Keeping the miles down on your Buick could qualify for better rates on cars that stay parked.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates for Riviera insurance.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% for Riviera insurance with certain companies.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them before your current policy expires. It’s a savings of about 10%.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Discount for Good Grades – This discount can save 20 to 25%. This discount can apply up to age 25.

Drivers should understand that some of the credits will not apply to the entire cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you could get a free auto insurance policy, you’re out of luck. Any amount of discount will help reduce the cost of coverage.

Car insurance companies that may have these benefits are:

Double check with all companies you are considering what discounts are available to you. Savings may not be available everywhere.

How to Lower Your Auto Insurance Cost

Lowering your 1992 Buick Riviera auto insurance rates is surprisingly easy. The only requirement is to take the time getting comparison quotes online with multiple companies. This is very easy and can be done in several different ways.

  1. The fastest way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This form saves time by eliminating repetitive form submissions for each company you want a rate for. A single, simple form gets rate comparisons from many national carriers.
  2. A more difficult way to compare prices requires a trip to each individual company website to complete their respective quote request forms. For instance, we’ll pretend you want rates from Liberty Mutual, State Farm and Allstate. You would have to go to every website to enter your coverage information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but double check that you are using the exact same information on every quote you get. If you compare mixed coverages it’s not possible to determine the lowest rate for your Buick Riviera.

Why you might be paying too much to insure your Buick Riviera

An important part of buying insurance is that you know the rating factors that come into play when calculating your insurance rates. Understanding what influences your rates allows you to make educated decisions that can help you get lower insurance prices.

The list below includes a partial list of the pieces companies use to determine your rates.

  • More people means more accidents – Residing in less populated areas can be a good thing when talking about insurance. Fewer people means fewer accidents as well as less vandalism and auto theft. City drivers have much more traffic to deal with and much longer commute distances. More time commuting can result in more accidents.
  • Do you need the policy add-ons? – There are a lot of extra bells and whistles that you can get tricked into buying when buying insurance. Coverages for roadside assistance, accidental death and motor club memberships may be wasting your money. They may seem like a good idea when you first buy your policy, but if you don’t need them eliminate them to save money.
  • Protect yourself with liability coverage – Your policy’s liability coverage will protect you if ever you are found liable for personal injury or accident damage. Liability insurance provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
  • Lower miles equals lower premium – Driving more miles each year the higher your rate. Most companies rate vehicles based upon how you use the vehicle. Autos used primarily for pleasure use can get a lower rate compared to those used for work or business. Double check that your insurance coverage properly reflects the proper vehicle usage, because it can save money. If your policy improperly rates your Riviera may be wasting your money.
  • Lower deductibles cost more – Deductibles for physical damage define the amount you are willing to pay before your insurance pays a claim. Coverage for physical damage, also known as collision and other-than-collision, protects your car from damage. Examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. The higher the amount you’re willing to pay, the lower your rates will be for Riviera insurance.

Car insurance is unique, just like you

When it comes to buying adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. These are some specific questions can help discover if your insurance needs may require specific advice.

  • Do I pay less for low miles?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered when pulling a rental trailer?
  • Why am I required to get a high-risk car insurance policy?
  • Is my 1992 Buick Riviera covered for smoke damage?
  • Do I need added coverage for expensive stereo equipment?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Can you really save $453 a year?

Drivers can’t get away from ads for car insurance savings by companies like State Farm, GEICO and Progressive. All the ads say the same thing about savings if you switch to them.

How do they all say the same thing?

Different companies are able to cherry pick for the right customer that earns them a profit. For example, a profitable customer might be between the ages of 40 and 55, has no tickets, and has great credit. A customer who meets those qualifications gets the lowest rates and most likely will save quite a bit of money when switching.

Potential customers who are not a match for the “perfect” profile will be charged higher premiums which leads to business going elsewhere. The ad wording is “customers who switch” not “people who quote” save money. This is how insurance companies can advertise the savings.

That is why you should quote coverage with many companies. It’s impossible to know which company will have the lowest Buick Riviera insurance rates.

Educate yourself about insurance coverages

Knowing the specifics of insurance aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages offered by insurance companies.

Coverage for collisions

This coverage covers damage to your Riviera caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like driving through your garage door, sustaining damage from a pot hole, crashing into a ditch, sideswiping another vehicle and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Coverage for liability

This coverage can cover damage that occurs to a person or their property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like medical services, pain and suffering, medical expenses and emergency aid. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Comprehensive or Other Than Collision

This covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like vandalism, hitting a bird and rock chips in glass. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as doctor visits, prosthetic devices, pain medications and nursing services. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Buick Riviera.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Final thoughts

When trying to cut insurance costs, never skimp on coverage in order to save money. In many cases, drivers have reduced comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

We’ve covered quite a bit of information on how to lower your 1992 Buick Riviera insurance rates. The key thing to remember is the more you quote, the better likelihood of reducing your rate. You may even find the best price on car insurance is with a small mutual company. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Progressive or GEICO.

Cheaper insurance can be bought online and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. A few companies may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

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