1992 Pontiac Bonneville Insurance Quotes

Do you get exhausted from trying to scrape together enough money to make your insurance coverage payment? Your situation is no different than most other vehicle owners.

Lots of car insurance companies contend for your insurance dollar, so it can be very hard to choose a company and get the definite best rate

It’s important to quote other rates before your policy renews since prices tend to go up over time. If you had the best rate on Bonneville coverage a year ago you may be paying too much now. Forget all the misinformation about insurance coverage because I’m going to teach you one of the best ways to save money, get proper coverage and the best rates.

If you currently have car insurance, you will be able to reduce your rates substantially using these techniques. Finding affordable coverage is not that difficult. Although vehicle owners do need to understand the way insurance companies price online insurance and apply this information to your search.

The best way to compare policy rates is to take advantage of the fact most insurance companies actually pay money for the chance to provide you with a free rate quote. To begin a comparison, all you need to do is take a few minutes to give details including if you lease or own, if you require a SR-22, your credit rating estimate, and if you have a valid license. That rating data gets sent immediately to all major companies and they provide comparison quotes quickly.

To compare rates for your car now, click here and complete the form.

Slash your car insurance rates with discounts

Some insurers don’t always advertise every policy discount very well, so the list below gives a summary of a few of the more common and also the more inconspicuous discounts that may be available.

  • New Car Discount – Insuring a new car can save up to 30% compared to insuring an older model.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • Pay Upfront and Save – By paying your policy upfront rather than spreading payments over time you can avoid the installment charge.
  • Life Insurance – Car insurance companies who offer life insurance give lower car insurancerates if you buy a life insurance policy as well.
  • Online Discount – Some larger companies will give you a small discount for buying a policy and signing up over the internet.
  • Senior Citizen Discount – Older drivers can possibly qualify for a slight reduction on a insurance quote on Bonneville coverage.
  • Theft Deterent – Vehicles that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Auto/Home Discount – If you have multiple policies with the same company they may give you a discount of 10% to 20% off each policy.

Consumers should know that most credits do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts should help lower the cost of coverage.

A few of the larger companies and some of the discounts include:

  • The Hartford policyholders can earn discounts including driver training, anti-theft, good student, air bag, and vehicle fuel type.
  • American Family has savings for early bird, TimeAway discount, Steer into Savings, good student, good driver, air bags, and bundled insurance.
  • Progressive has discounts for online quote discount, continuous coverage, homeowner, good student, and multi-vehicle.
  • Travelers may have discounts that include hybrid/electric vehicle, driver training, home ownership, new car, multi-car, good student, and continuous insurance.
  • Farmers Insurance may offer discounts for mature driver, pay in full, switch companies, electronic funds transfer, distant student, and multi-car.
  • USAA includes discounts for good student, loyalty savings, military installation, multi-vehicle, and defensive driver.
  • Liberty Mutual offers discounts including good student, preferred payment discount, exclusive group savings, multi-car, safety features, new graduate, and new vehicle discount.

Check with every company to give you their best rates. A few discounts may not be available in your state.

You are unique and your insurance should be too

When it comes to choosing the best insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that could help you determine if you would benefit from professional advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can my babysitter drive my car?
  • Do I pay less if my vehicle is kept in my garage?
  • What is the minimum liability in my state?
  • What companies insure drivers after a DUI or DWI?
  • Does my 1992 Pontiac Bonneville qualify for pleasure use?
  • Do I really need UM/UIM coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Is my state a no-fault state?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Insurance coverages 101

Learning about specific coverages of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types offered by insurance companies.

Insurance for medical payments

Med pay and PIP coverage reimburse you for immediate expenses like hospital visits, EMT expenses and funeral costs. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

Collision coverage covers damage to your Bonneville resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a parking meter, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, hail damage, damage from a tornado or hurricane, vandalism and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability

Liability insurance will cover injuries or damage you cause to a person or their property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like bail bonds, emergency aid and pain and suffering. How much coverage you buy is your choice, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Bonneville.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.