2003 Pontiac Montana Car Insurance Cost

Wish you could get out of an expensive insurance coverage policy? Believe me when I say many drivers have buyer’s remorse.

Because there are so many insurance companies to choose from, it can be impossible to choose the cheapest insurance company.

Smart consumers take time to get comparison quotes quite often since prices change regularly. Just because you had the lowest quotes on Montana coverage six months ago there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn how to quote online to find better rates and still maintain coverage.

Finding affordable auto insurance is not that difficult. Just about every vehicle owner who is required by state law to have auto insurance will most likely be able to reduce their rates. But drivers need to have an understanding of the way insurance companies sell online and take advantage of how the system works.

How to compare free car insurance quotes

The majority of larger companies like GEICO, State Farm and Progressive provide insurance quotes directly from their websites. Doing online quotes is fairly simple as you just enter your coverage preferences into the quote form. When complete, their quoting system sends out for credit information and your driving record and generates a price based on the information you submitted. This streamlines rate comparisons, but the time required to go to multiple sites and type in the same information is repetitive and time-consuming. But it is imperative to have as many quotes as possible in order to find a better rate.

There is a better way!

A more efficient way to find better car insurance pricing is to use a quote form that analyzes rates from more than one company. It saves time, requires less work, and makes price shopping online much easier. After sending your information, it is rated with multiple companies and you can pick your choice of the quotes returned.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. The entire process takes less than 15 minutes and you will know how your current rates stack up.

In order to find out what other companies charge, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you replicate the insurance coverages exactly as they are listed on your policy. This way, you will receive an apples-to-apples comparison using the exact same coverages.

Discount auto insurance rates

Auto insurance companies don’t necessarily list every policy discount in an easy-to-find place, so the list below details both well-publicized and also the lesser-known discounts that may be available.

  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy life insurance from them.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can receive discounts of more than 20%.
  • Accident Waiver – Not really a discount, but companies like GEICO, Progressive, and Allstate will let one accident slide before your rates go up so long as you are claim-free for a specific time period.
  • Early Payment Discounts – By making one initial payment instead of monthly or quarterly installments you may reduce your total bill.
  • Savings for New Vehicles – Insuring a vehicle that is new can get you a discount due to better safety requirements for new model year vehicles.
  • Homeowners Discount – Simply owning a home can get you a discount because maintaining a house means you have a higher level of financial diligence.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle up before driving can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Low Mileage Discounts – Low annual miles may allow you to get slightly better premium rates than normal.
  • Renewal Discounts – Some insurance companies give discounts for buying a new policy before your current policy expires. It’s a savings of about 10%.
  • Driver’s Ed – Teen drivers should participate in a local driver’s education class in school.

Drivers should understand that most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, you aren’t that lucky.

The best auto insurance companies and a partial list of their discounts include:

  • GEICO offers discounts including five-year accident-free, multi-policy, anti-lock brakes, air bags, military active duty, membership and employees, and good student.
  • Travelers has discounts for student away at school, home ownership, payment discounts, IntelliDrive, new car, hybrid/electric vehicle, and multi-car.
  • Nationwide offers premium reductions for easy pay, good student, family plan, business or organization, and Farm Bureau membership.
  • Farmers Insurance has savings for multi-car, pay in full, mature driver, bundle discounts, and alternative fuel.
  • Esurance includes discounts for anti-lock brakes, good student, renters, Pac-12 alumni, and safety device.
  • State Farm may offer discounts for anti-theft, good driver, accident-free, multiple policy, multiple autos, and Drive Safe & Save.
  • Progressive offers discounts for good student, multi-policy, homeowner, continuous coverage, online quote discount, multi-vehicle, and online signing.
  • Mercury Insurance may include discounts for good driver, anti-theft, multi-car, professional/association, and low natural disaster claims.

Before you buy a policy, ask every insurance company to apply every possible discount. All car insurance discounts might not be available to policyholders everywhere. To see a list of providers offering auto insurance discounts, click this link.

How to lower your insurance prices

When buying insurance coverage it’s important to understand some of the factors that are used to determine your policy premiums. If you know what impacts premium levels, this enables you to make decisions that may result in cheaper rates. Many different elements are part of the equation when quoting car insurance. Some factors are common sense like an MVR report, although some other factors are more transparent such as whether you are married or your commute time.

Listed below are some of the items companies use to determine your prices.

  • Do you have a demanding occupation? – Careers such as lawyerspolice officers and miners generally pay the highest rates because of high stress and long work days. On the flip side, professions such as farmers, students and homemakers receive lower rates on Montana coverage.
  • Cheaper rates by combining – Some companies will give a discount to customers who have multiple policies with them in the form of a multi-policy discount. Even if you already get this discount, you may still want to compare other company rates to confirm you are receiving the best rates possible. You may still be able to find lower rates by splitting coverages up.
  • Urban residents pay more – Residing in less populated areas is a good thing when it comes to insurance coverage. People in densly populated areas tend to have more auto accidents and longer commutes to work. Fewer drivers on the road corresponds to lower accident rates and lower theft and vandalism rates.
  • Excellent credit saves on insurance coverage – An insured’s credit history is likely to be a major factor in determining what you pay. Drivers who have excellent credit scores tend to be more responsible than drivers with lower credit ratings. If your credit score can use some improvement, you could potentially save money when insuring your 2003 Pontiac Montana if you improve your credit rating.
  • Inexpensive frequent insurance coverage claims are not good – If you tend to file frequent claims, you can pretty much guarantee increased rates or even have your policy non-renewed. Auto insurance companies give better rates to policyholders who file claims infrequently. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
  • GPS tracking and theft deterrents reduce prices – Selecting a car model that has an advanced theft prevention system can save you a little every year. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent auto theft.
  • Get married and pay lower costs – Having a significant other may save some money on your insurance coverage bill. Having a spouse usually means you are more responsible and insurance companies reward insureds because married drivers tend to file fewer claims.

Tailor your insurance coverage coverage to you

When it comes to buying coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions can help discover if your situation will benefit from professional help.

  • Is my teenager covered with friends in the car?
  • Do I need to file an SR-22 for a DUI in my state?
  • Why is insurance for a teen driver so high?
  • Why do I only qualify for high-risk insurance?
  • Does liability extend to a camper or trailer?
  • Is my cargo covered for damage or theft?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

What insurance coverages do you need?

Learning about specific coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are the usual coverages offered by insurance companies.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Pontiac Montana.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are set the same as your liablity limits.

Comprehensive protection

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as theft, falling objects, damage from flooding and hitting a bird. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverage

Liability coverage provides protection from injuries or damage you cause to a person or their property in an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as repair bills for other people’s vehicles, loss of income and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like hospital visits, EMT expenses, nursing services and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

This coverage covers damage to your Montana resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as rolling your car, hitting a parking meter, damaging your car on a curb, sideswiping another vehicle and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Final thoughts

When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. There are too many instances where an insured cut liability coverage limits only to discover later that it was a big error on their part. Your goal is to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

We just covered many ideas to save on 2003 Pontiac Montana insurance. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. Drivers may discover the lowest prices are with some of the lesser-known companies. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Allstate, GEICO and Progressive.

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