Lower Your 1991 Pontiac Bonneville Insurance Rates

Searching for cheaper car insurance rates for your Pontiac Bonneville? If shopping for auto insurance quotes online is new to you, there’s a good chance you are bewildered because of the huge number insurance agents and companies offering coverage.

Discounts for affordable car insurance rates

Insurance can be prohibitively expensive, but companies offer discounts that may help make it more affordable. Certain credits will be shown at quote time, but a few need to be requested specifically prior to getting the savings. If you do not check that you are getting every discount you qualify for, you are throwing money away.

  • College Student Discount – College-age children who are enrolled in higher education away from home and don’t have a car could qualify for this discount.
  • Clubs and Organizations – Affiliation with a professional or civic organization could trigger savings on your policy.
  • Save with a New Car – Adding a new car to your policy can save up to 30% due to better safety requirements for newer vehicles.
  • Active Service Discounts – Being deployed with a military unit can result in better rates.
  • Telematics Discount – Insureds that choose to allow their company to analyze their driving habits through the use of a telematics system like Allstate’s Drivewise might get better premium rates if they exhibit good driving behavior.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts can save a little on the medical payments or PIP coverage costs.
  • Good Grades Discount – Getting good grades can earn a discount of 20% or more. You can use this discount normally up to age 25.
  • Low Mileage – Keeping the miles down on your Pontiac may allow you to get slightly better premium rates than normal.
  • Discounts for Good Drivers – Insureds without accidents may save up to 50% more for Bonneville coverage than drivers with accidents.

Consumers should know that most discount credits are not given to the entire cost. Some only apply to individual premiums such as comprehensive or collision. So even though it sounds like you could get a free car insurance policy, nobody gets a free ride. But all discounts will lower the amount you have to pay.

Popular car insurance companies and some of the premium reductions they offer can be read below.

  • Progressive offers discounts for homeowner, multi-vehicle, online quote discount, online signing, continuous coverage, and multi-policy.
  • Farmers Insurance has savings for distant student, homeowner, alternative fuel, electronic funds transfer, good student, mature driver, and youthful driver.
  • Farm Bureau includes discounts for 55 and retired, good student, multi-policy, multi-vehicle, and driver training.
  • State Farm may have discounts that include Steer Clear safe driver discount, passive restraint, multiple autos, Drive Safe & Save, defensive driving training, multiple policy, and accident-free.
  • GEICO has discounts for federal employee, driver training, multi-vehicle, seat belt use, air bags, military active duty, and daytime running lights.
  • SAFECO offers premium reductions for anti-theft, teen safety rewards, homeowner, multi-car, and safe driver.
  • Liberty Mutual may include discounts for new vehicle discount, newly retired, exclusive group savings, good student, multi-policy, and new graduate.

If you need inexpensive auto insurance quotes, ask all the companies how you can save money. Some discounts listed above might not apply in your area.

How do insurance providers determine Pontiac Bonneville insurance rates?

Many things are part of the calculation when you get a price on insurance. A few of the factors are predictable such as traffic violations, but other factors are less apparent like your vehicle usage or your commute time.

The factors shown below are some of the factors companies use to determine your rate level.

  • Driving citations can be expensive – Drivers who don’t get tickets get better prices compared to drivers with tickets. Only having one ticket can bump up the cost by twenty percent. Drivers who get serious citations such as reckless driving, hit and run or driving under the influence may be required to complete a SR-22 with their state in order to prevent their license from being revoked.
  • Why do you need liability? – A critical coverage on your policy, liability insurance will protect you if you are responsible for physical damage or personal injury to other. It provides for a legal defense which can cost a lot. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Only buy what you need – Insurance policies have a lot of additional extra coverages you can purchase if you aren’t diligent. Add-on coverages like coverage for rental cars, accident forgiveness, and additional equipment coverage are examples of these. You may think they are a good idea when buying your policy, but if you don’t need them consider taking them off your policy.
  • Low credit rating equals high costs – Having a bad credit history can be a huge factor in determining what you pay for insurance. So if your credit history can be improved, you could save money insuring your 1991 Pontiac Bonneville by improving your credit score. Drivers with high credit ratings tend to be better risks to insure than drivers who have poor credit scores.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining whether or not you may require specific advice.

  • Who is covered when they drive my 1991 Pontiac Bonneville?
  • Am I better off with higher deductibles on my 1991 Pontiac Bonneville?
  • Should I carry comprehensive and collision coverage?
  • Is a fancy paint job covered?
  • Do I need more liability coverage?
  • Should I get collision insurance on every vehicle?
  • Where can I get insurance after a DUI in my state?
  • Is my babysitter covered when using my vehicle?
  • Is my ex-spouse still covered by my policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Slick advertising tricks that work

Companies like Progressive, GEICO, Allstate and State Farm continually stream ads on television and other media. All the ads have a common claim that you can save if you change to them. How is it plausible that every one can charge lower premium rates? This is how they do it.

Companies give the best rates for the type of insured that earns them a profit. For instance, a desirable insured might be between 25 and 40, has no tickets, and has excellent credit. Any person that matches those criteria will probably get the lowest prices and have a good chance to save when switching.

Insureds who do not fit the requirements will be quoted a higher premium and this results in the customer not buying. The trick is to say “drivers who switch” but not “all drivers who get quotes” save that kind of money. That is how companies can make those claims.

Because of this risk profiling, it is so important to do a rate comparison at every renewal. Because without a comparison, you cannot know with any certainty which company will have the lowest rates.

The coverage is in the details

Knowing the specifics of auto insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your 1991 Pontiac Bonneville.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Liability insurance

Liability insurance can cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as repair bills for other people’s vehicles, medical services, emergency aid, legal defense fees and pain and suffering. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding 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 coverage protects against claims such as crashing into a building, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for doctor visits, funeral costs, chiropractic care and surgery. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a deer, hitting a bird and falling objects. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Do the work, save more money

Cost effective 1991 Pontiac Bonneville insurance is available from both online companies and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some companies do not offer online price quotes and usually these regional carriers only sell through local independent agencies.

In this article, we covered many ideas to lower your 1991 Pontiac Bonneville insurance car insurance rates. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding cheap auto insurance. You may even discover the best price on auto insurance is with a small local company.

Insureds change insurance companies for a variety of reasons including being labeled a high risk driver, high prices, policy non-renewal or even denial of a claim. Regardless of your reason, choosing a new company is actually quite simple.

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