Save on 1999 Pontiac Bonneville Insurance Quotes

Wish you could get a refund on an underperforming, overpriced car insurance policy? You’re in good company because many drivers feel the same as you. Insurance companies such as GEICO, Farmers Insurance and State Farm constantly blast consumers with ad campaigns and it can be hard to not get sucked in by the cute commercials and find the best price available.

It’s smart to quote other rates before your policy renews because rates are rarely the same from one policy term to another. Even if you got the best premium rates for Bonneville coverage at your last renewal you can probably find a lower rate today. There is a lot of bad advice regarding car insurance on the internet, but you can learn some proven techniques to find affordable car insurance.

Buy car insurance online

There are several ways to compare car insurance prices but there is one way that is easier and takes less work. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you can utilize online quotes to get prices fast.

Many insurance companies belong to a marketplace where insurance shoppers submit one quote, and every company can provide price quotes based on that data. This eliminates the need for form submissions to each company. To compare rates using this form now click here to start a free quote.

One minor caviat to using this type of system is that consumers can’t choose which companies you want pricing from. If you prefer to choose from a list of companies for rate comparison, we have a page of car insurance companies in your area. Click here to view list.

Which method you use is up to you, but ensure you are comparing identical coverages and limits on every price quote you get. If you enter differing limits it will be nearly impossible to make a fair comparison for your Pontiac Bonneville.

Insurance discounts help slash rates

Some companies do not list all possible discounts in a way that’s easy to find, so here is a list both the well known and the more hidden credits available to you.

  • Theft Deterent – Vehicles that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Active Service Discounts – Having an actively deployed family member may qualify for rate reductions.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle their seat belts may be able to save a few bucks off the personal injury premium cost.
  • Driver Education Discount – Teen drivers should complete a driver education course in school or through a local driver safety program.
  • Multi-car Discount – Buying coverage for primary and secondary vehicles on the same insurance policy can reduce rates for all insured vehicles.
  • Employee of Federal Government – Being employed by or retired from a federal job could qualify for a slight premium decrease for Bonneville coverage with certain companies.
  • Driver Training Discounts – Taking a driver safety course could earn you a small percentage discount and make you a better driver.

Don’t be shocked that many deductions do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, insurance companies aren’t that generous.

Companies and some of the premium reductions they offer are detailed below.

  • Farmers Insurance offers discounts including switch companies, early shopping, youthful driver, homeowner, and mature driver.
  • State Farm has discounts for passive restraint, safe vehicle, good student, good driver, multiple policy, Drive Safe & Save, and student away at school.
  • Liberty Mutual offers premium reductions for newly retired, new vehicle discount, multi-policy, hybrid vehicle, newly married, teen driver discount, and multi-car.
  • MetLife policyholders can earn discounts including accident-free, defensive driver, good student, multi-policy, and good driver.
  • Progressive includes discounts for multi-policy, multi-vehicle, online quote discount, online signing, homeowner, continuous coverage, and good student.

If you are trying to find the cheapest insurance quotes, ask each company which discounts they offer. Some discounts listed above might not be offered in your area. To see companies with the best discounts, click here.

Educated choices result in lower insurance rates

Multiple criteria are part of the equation when pricing auto insurance. Some of the criteria are obvious like an MVR report, although some other factors are not quite as obvious like where you live and annual miles driven.An important part of buying insurance is that you know some of the things that are used to determine your premiums. If you have a feel for what determines base rates, this empowers consumers to make smart changes that can earn you cheaper rates.

  • Safety ratings are a factor – Safe vehicles tend to have better insurance rates. Vehicles built for safety protect occupants better and lower rates of occupant injuries means less claims paid and cheaper rates on your policy. If your Pontiac earned at least four stars on you may pay a lower rate.
  • Your vocation and insurance rates – Jobs such as military personnel, social workers and medical professionals generally have higher premium rates in part from intense work requirements and lots of time spent away from family. Conversely, jobs like scientists, engineers and the unemployed pay lower than average rates for Bonneville coverage.
  • Does car insurance cost less for women? – Over the last 30 years, statistics show that females tend to be a little less risky than males. It does not mean men are WORSE drivers than women. Females and males have at-fault accidents at a similar rate, but men get into accidents with more damage. Men also get higher numbers of serious violations like DWI (DUI) or reckless driving. Young men ages 16 to 20 generally have the highest accident percentage and therefore have the most expensive insurance rates.
  • Always keep your policy in force – Having a gap between insurance policy dates can be a fast way to increase your insurance rates. Not only will you pay more, failure to provide proof of insurance might get you a fine, jail time, or a revoked license. You may have to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Liability limits are a factor – The liability section of your policy is the coverage that protects you in the event that you are determined to be liable for causing damage or personal injury in an accident. Liability provides legal defense coverage starting from day one. It is affordable coverage as compared to coverage for physical damage, so drivers should carry high limits.
  • High comp and collision deductibles reduce rates – Physical damage coverage, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Some examples of claims that would be covered are colliding with a building, damage caused by hail, or theft. The deductibles you choose define the amount you are required to spend out-of-pocket before your insurance pays a claim. The more damage repair cost you pay before a claim is paid (deductible), the lower your rates will be for Bonneville coverage.
  • Poor driving means higher costs – Just one chargable violation could increase your next policy renewal by as much as thirty percent. Attentive drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who have gotten license-revoking violations such as hit and run, DWI or reckless driving convictions may be required to maintain a SR-22 with their state’s department of motor vehicles in order to prevent their license from being revoked.
  • Save miles driven and save money – The more miles you rack up on your Pontiac each year the more you will pay for insurance. The majority of insurers charge rates based upon how much you drive. Cars and trucks not used for work or commuting can get a lower rate than those used for commuting. Ask your agent if your vehicle rating reflects the proper vehicle usage, because it can save money. A policy that improperly rates your Bonneville may be costing you higher rates.

Which is the best auto insurance?

When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every situation is different so your insurance should reflect that These are some specific questions can help discover whether or not you might need an agent’s assistance.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Are my friends covered when driving my car?
  • What is the rate difference between pleasure use and commuting?
  • Should I waive the damage coverage when renting a car?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does my policy cover me when driving someone else’s vehicle?
  • Where can I get insurance after a DUI in my state?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance advertising gotchas

Consumers get pounded daily by advertisements for the lowest price auto insurance by Allstate, GEICO and Progressive. All the companies advertise the message about savings just by moving to them.

Is it even possible that every company can claim to save you money? It’s all in the numbers.

All the different companies have specific characteristics for the driver that will generate a profit. An example of a driver they prefer might be over the age of 40, has other policies, and drives a safe vehicle. Anyone that matches those criteria will get the preferred car insurance rates and will save money with a new company.

People who do not meet the requirements may be required to pay higher premiums and this results in business going elsewhere. The ads state “drivers that switch” but not “everyone who gets a quote” save money. That’s why companies can truthfully advertise the way they do. Because each company has a different risk profile, drivers must compare as many free insurance quotes as you can. You cannot predict with any certainty which company will have the lowest prices for your situation.

Auto insurance coverages

Learning about specific coverages of your policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are typical coverages offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from flooding, falling objects, a tree branch falling on your vehicle, rock chips in glass and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses for nursing services, X-ray expenses, EMT expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

This pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as hitting a parking meter, colliding with a tree, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Liability car insurance

This provides protection from damage that occurs to people or other property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for claims like pain and suffering, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Don’t throw your cash in the trash

As you restructure your insurance plan, do not reduce coverage to reduce premium. In too many instances, someone sacrificed uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. The goal is to find the BEST coverage at the best price, but do not skimp to save money.

In this article, we presented many ways to lower your 1999 Pontiac Bonneville insurance car insurance rates. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding cheaper insurance. Consumers may even find the most savings is with a lesser-known regional company. Regional companies can often provide lower premium rates in certain areas as compared to the big name companies such as Progressive and GEICO.

Some companies do not provide rate quotes online and many times these smaller companies provide coverage only through independent agents. Cheaper insurance coverage is available both online as well as from insurance agents, and you should be comparing both to have the best rate selection.

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