Are you drained from paying out the nose to pay car insurance each month? You are no different than many other consumers. Because there are so many different company options, it’s nearly impossible to locate a more affordable company.
It’s a good habit to price shop coverage periodically because prices change frequently. Just because you found the lowest rates for Riviera coverage last year there may be better deals available now. Forget anything you know (or think you know) about car insurance because you’re about to learn the fastest and easiest way to get good coverage at a lower rate.
Get cheaper rates with discounts
Car insurance is not cheap nor is it fun to buy but companies offer discounts to help offset the cost. Certain reductions will be credited when you complete an application, but a few need to be specially asked for before you will receive the discount. If you check and find you aren’t receiving every discount available, you may be paying too high a price.
- Paper-free Discount – Some of the larger companies give back up to $50 for completing your application online.
- Good Student Discount – Being a good student can get you a discount of up to 25%. The good student discount can last well after school through age 25.
- Auto/Home Discount – When you combine your auto and homeowners insurance and insure them both with the same insurance company you could earn a discount of approximately 10% to 15%.
- Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% for Riviera coverage depending on your car insurance provider.
- Discounts for Responsible Drivers – Insureds without accidents may save up to 50% more for Riviera coverage than drivers with accidents.
- Life Insurance – Select companies reward you with a lower car insurance rate if you buy a life policy as well.
- No Accidents – Insureds with no claims or accidents pay much less in comparison to bad drivers.
- Active Military Service – Having a family member in the military could qualify you for better car insurance rates.
Keep in mind that many deductions do not apply the the whole policy. Some only apply to specific coverage prices like medical payments or collision. Despite the appearance that all those discounts means the company will pay you, company stockholders wouldn’t be very happy.
Some of the insurance companies that may include some of the above discounts include:
When quoting, ask every company to give you their best rates. Savings may not be offered in your state. To view providers that offer some of these discounts, click here.
The quickest method we recommend to compare policy rates is to know the trick auto insurance companies pay for the opportunity to give rate comparisons. All you need to do is provide a small amount of information including your credit rating estimate, if it has an alarm system, what your job is, and if you require a SR-22. Your insurance information gets transmitted to many different companies and they return quotes instantly.
To compare rates now, click here and enter your coverage details.
Which policy gives me the best coverage?
When it comes to choosing adequate coverage, there really is no perfect coverage plan. Each situation is unique so this has to be addressed. For instance, these questions may help you determine if your situation will benefit from professional help.
- What is the difference between comprehensive and collision coverage?
- Do I need to file an SR-22 for a DUI in my state?
- Can I afford to buy a different vehicle if my Buick Riviera is totaled?
- How much liability do I need to cover my assets?
- How high should my medical payments coverage be?
- What are no-fault laws?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.
Don’t give up on cheaper premiums
You just learned a lot of information how to lower your Buick Riviera insurance auto insurance rates. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with the least-expected company. These companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as State Farm and Allstate.
When getting , make sure you don’t sacrifice coverage to reduce premiums. In many cases, someone dropped physical damage coverage to discover at claim time that the small savings ended up costing them much more. The proper strategy is to purchase a proper amount of coverage for the lowest price, but do not sacrifice coverage to save money.
Cheaper car insurance can be purchased both online and from local agencies, so you need to with both so you have a total pricing picture. Some insurance companies may not have rate quotes online and usually these regional carriers provide coverage only through local independent agencies.
