Save on 1999 Pontiac Montana Car Insurance Rates

Looking for cheaper auto insurance rates for your Pontiac Montana? No normal person looks forward to buying auto insurance, especially when they know it costs too dang much. Insurance companies such as Progressive, GEICO and Farmers Insurance promote their brand names with ads and consumers find it hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.

If you have insurance now or are looking for a new policy, you will benefit by learning to shop for the lowest rates and still get good coverage. Buying car insurance is quite easy. Vehicle owners just need to understand the proper methods to get comparison rates on the web.

Insurance discounts help slash rates

Some companies don’t always publicize every discount in an easy-to-find place, so we took the time to find both the well known and the harder-to-find discounts that may be available.

  • Seat Belt Discounts – Buckling up and requiring all passengers to buckle up can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Bundle and Save – If you can combine your auto and homeowners policy with one insurance company you may earn at least 10% off all policies.
  • Active Military Service – Being on active deployment in the military may lower your rates slightly.
  • Multi-car Discount – Drivers who insure multiple vehicles with one company can get a discount on all vehicles.
  • Paperwork-free – Some insurance companies will provide an incentive simply for signing digitally online.
  • Early Signing – A few insurance companies allow discounts for switching companies prior to your current policy expiration. This can save 10% or more.
  • Defensive Driver Discounts – Taking time to complete a driver safety course can save you 5% or more if your company offers it.

One thing to note about discounts is that most of the big mark downs will not be given to your bottom line cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

The best insurance companies and their offered discounts are shown below.

  • Farm Bureau discounts include good student, 55 and retired, multi-vehicle, youthful driver, renewal discount, and multi-policy.
  • MetLife may offer discounts for accident-free, multi-policy, defensive driver, good driver, claim-free, and good student.
  • Progressive policyholders can earn discounts including multi-policy, continuous coverage, homeowner, online quote discount, and multi-vehicle.
  • AAA has savings for good student, multi-policy, pay-in-full, education and occupation, AAA membership discount, multi-car, and good driver.
  • American Family has discounts for accident-free, multi-vehicle, good student, defensive driver, bundled insurance, Steer into Savings, and good driver.
  • GEICO may have discounts that include good student, air bags, multi-policy, daytime running lights, and seat belt use.
  • State Farm includes discounts for driver’s education, good student, multiple policy, passive restraint, good driver, and student away at school.

If you need affordable insurance quotes, ask every insurance company to give you their best rates. Some of the discounts discussed earlier might not be offered in your state.

How to lower your car insurance cost

Getting a cheaper price on 1999 Pontiac Montana insurance is not a difficult process. All you need to do is spend a few minutes on the computer comparing rate quotes online from several insurance companies. Rate comparisons can be done by following the guidelines below.

  1. Hands down the most simple method to get the best comparison quotes is a comparison rater form like this one (opens in new window). This quick form saves time by eliminating multiple quote forms for each price estimate. One simple form gets rate comparisons from multiple low-cost companies.
  2. A slightly less efficient method to compare rate quotes is to take the time to go to each company’s website and go through the quote process again. For example, let’s say you want to compare prices for Nationwide, Esurance and Travelers. To do that, you would have to visit each site and type in your information over and over, and that explains why we recommend the first method. For a handy list of car insurance company links in your area, click here.

You can use whichever method you prefer to find lower rates, just do your best to enter identical coverage limits and deductibles on every quote you get. If the quotes have different coverage information it will be nearly impossible to make a fair rate comparison.

Why informed consumers pay less for Pontiac Montana insurance

Many different elements are taken into consideration when quoting car insurance. Most are fairly basic like an MVR report, but other criteria are not as apparent such as whether you are married or how financially stable you are.

Listed below are a few of the “ingredients” utilized by car insurance companies to help set your premiums.

  • Lower physical damage deductibles cost more – Protection for physical damage, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. Examples of some claims that would be covered are collision with another vehicle, flood damage, and damage from a fallen tree branch. Comp and collision deductibles are the amount of money you are willing to pay if a covered claim is submitted. The more damage repair cost the insured has to pay upfront, the less your company will charge you for insurance for Montana insurance.
  • Good credit means lower costs – Having a bad credit rating will be a significant factor in determining your rates. So if your credit is lower than you’d like, you may save money insuring your 1999 Pontiac Montana by improving your rating. Insureds that have very high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Where do you drive? – The more you drive your Pontiac in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles based upon how you use the vehicle. Vehicles that are left in the garage get more affordable rates than vehicles that are driven to work every day. Verify your insurance coverage reflects annual mileage. A policy that improperly rates your Montana may be costing you.
  • Cheaper rates with safer cars – Safe vehicles can get you lower premiums. Safe vehicles protect occupants better and fewer injuries translates directly to fewer claims which can mean better rates for you.
  • Only buy coverage you need – Insurance companies have many additional extra coverages that may not really be needed if you aren’t diligent. Coverages for coverage for rental cars, high-cost glass coverage, and extra life insurance coverage may be wasting your money. These may sound like a good investment at first, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
  • Insure your auto and home with one company – Most major companies provide lower prices to customers who carry more than one policy, otherwise known as a multi-policy discount. The discount can add up to five, ten or even twenty percent. If you currently are using one company, it’s always a smart idea to comparison shop to make sure you are getting the best deal. You may still be able to save even more than the discount by insuring with multiple companies.
  • Lower premiums with GPS tracking and theft deterrents – Owning a car with advanced anti-theft systems can get you a discount on your insurance. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
  • Your liability coverage limits – Your policy’s liability coverage will afford coverage when you are found liable for physical damage or personal injury to other. Liability insurance provides for a legal defense to defend your case. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.

Which is the best insurance?

When choosing the right insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that may help highlight whether you might need professional guidance.

  • Do I need added coverage for expensive stereo equipment?
  • Am I getting all the discounts available?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered when driving someone else’s vehicle?
  • Is business equipment covered while in my vehicle?
  • How high should my medical payments coverage be?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Can you really save if you switch?

Consumers can’t get away from ads for cheaper auto insurance from companies such as GEICO, State Farm and Progressive. All the ads tend to make the same promise that you can save just by moving your policy.

How do they all save you money? It’s all in how they say it.

Many companies have strict underwriting profiles for the type of driver that earns them a profit. A good example of a desirable insured might be married and over the age of 30, has a clean driving record, and the vehicle is rated for pleasure use. A customer getting a price quote who matches those parameters is entitled to the best price and will also cut their rates if they switch.

Consumers who may not quite match those standards will be charged higher premium rates and ends up with the driver buying from a lower-cost company. The trick is to say “people who switch” but not “all drivers who get quotes” save that kind of money. That is how insurance companies can confidently state the savings.

Because of the profiling, it is so important to compare many company’s prices. It’s not possible to predict which company will have the lowest rate quotes.

Auto insurance coverages 101

Knowing the specifics of your auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages offered by auto insurance companies.

Comprehensive coverages

This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like falling objects, damage from getting keyed, fire damage, hitting a deer and rock chips in glass. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Pontiac Montana.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Collision protection

Collision coverage will pay to fix damage to your Montana resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, sideswiping another vehicle, rolling your car, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Coverage for medical payments

Med pay and PIP coverage kick in for short-term medical expenses like prosthetic devices, chiropractic care, rehabilitation expenses, X-ray expenses and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability

Liability insurance provides protection from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as bail bonds, legal defense fees and medical expenses. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Find Good Coverage for Less

When getting insurance quotes online, make sure you don’t buy less coverage just to save a little money. Too many times, an insured dropped physical damage coverage and learned later that the savings was not a smart move. Your aim should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

Throughout this article, we presented a lot of information how to compare 1999 Pontiac Montana insurance premium rates online. The most important thing to understand is the more providers you compare, the better your chances of lowering your prices. You may even discover the biggest savings come from some of the smallest insurance companies. They can often insure niche markets at a lower cost than the large multi-state companies such as GEICO and State Farm.

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