How Much Does 2006 Pontiac Montana SV6 Car Insurance Cost?

Trying to find cheaper car insurance rates for your Pontiac Montana SV6? I can’t think of anyone who anticipates paying for car insurance, in particular when they could find lower prices if they just compared rates. Because you have many choices, it can be hard to choose the cheapest insurer.

How to find low cost car insurance

There are a lot of ways to compare car insurance prices but there is one way that is more efficient than others. You can waste a lot of time discussing policy coverages with agents in your area, or you can stay home and use online quotes to get prices fast.

Most car insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and at least one company returns a competitive quote based on that data. This saves time by eliminating quote forms for each company you want a rate for. To find out how much you can save on car insurance click to open in new window.

The one downside to getting quotes like this is buyers cannot specifically choose the insurers you want pricing from. If you wish to select specific providers for rate comparison, we have a listing of the cheapest car insurance companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but make sure you are using the same quote data on every quote you get. If you enter unequal deductibles or liability limits it’s impossible to truly determine the lowest rate.

Auto insurance policy discounts you can’t miss

Some companies do not list every discount very clearly, so here is a list some of the best known and also the lesser-known discounts that you may qualify for.

  • Senior Citizens – Drivers that qualify as senior citizens can possibly qualify for a small decrease in premiums on Montana SV6 insurance.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn lower auto insurancerates if you buy a life policy as well.
  • No Claim Discounts – Insureds with no claims or accidents are rewarded with significantly better rates on auto insurance quote as opposed to insureds who have frequent claims or accidents.
  • Government Employee Discount – Employees or retirees of the government could cut as much as 10% off on Montana SV6 insurance with some auto insurance companies.
  • Safety Course Discount – Taking time to complete a course teaching safe driver skills is a good idea and can lower rates and easily recoup the cost of the course.
  • Passenger Safety Discount – Cars that have air bags or motorized seat belts can receive discounts up to 30%.
  • Good Student – Performing well in school can earn a discount of 20% or more. Most companies allow this discount well after school through age 25.
  • Driving Data Discount – Drivers who elect to allow data collection to analyze when and where they use their vehicle remotely such as State Farm’s In-Drive may get a rate reduction as long as the data is positive.
  • Distant College Student Discount – who are attending college and do not have a car may be insured at a cheaper rate.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Most only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like you could get a free auto insurance policy, it’s just not the way it works. But any discount will definitely lower the amount you have to pay.

Large auto insurance companies and some of the discounts are outlined below.

  • American Family has savings for good student, air bags, early bird, defensive driver, and TimeAway discount.
  • Farm Bureau may include discounts for driver training, multi-vehicle, 55 and retired, renewal discount, good student, and youthful driver.
  • State Farm includes discounts for student away at school, accident-free, Drive Safe & Save, anti-theft, safe vehicle, and multiple autos.
  • Travelers offers discounts for hybrid/electric vehicle, continuous insurance, good student, home ownership, and multi-car.
  • The Hartford offers premium reductions for good student, defensive driver, bundle, anti-theft, driver training, and air bag.
  • GEICO discounts include membership and employees, good student, seat belt use, multi-policy, daytime running lights, and military active duty.
  • Progressive may have discounts that include continuous coverage, good student, online signing, multi-policy, online quote discount, homeowner, and multi-vehicle.

It’s a good idea to ask every prospective company which discounts can lower your rates. All car insurance discounts might not be available to policyholders everywhere.

Insurance agents can help

When it comes to buying the best insurance coverage coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. For instance, these questions can aid in determining if your situation may require specific advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Does my car insurance cover rental cars?
  • Are rental cars covered under my policy?
  • How can I get high-risk coverage after a DUI?
  • Do I need motorclub coverage?
  • How do I file an SR-22 for a DUI in my state?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Parts of your insurance policy

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are the usual coverages available from insurance companies.

Comprehensive insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, vandalism, damage from flooding and hail damage. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for bills for things like EMT expenses, chiropractic care, hospital visits and ambulance fees. They are utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability coverage – This coverage will cover damages or injuries you inflict on other people or property. This insurance protects YOU from claims by other people, and does not provide coverage for 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. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like funeral expenses, structural damage, emergency aid, medical services and bail bonds. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Collision coverage – This will pay to fix damage to your Montana SV6 resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.