Save on 1993 Pontiac Bonneville Car Insurance Rates

Searching for cheaper auto insurance rates for your Pontiac Bonneville? If you are new to online auto insurance, it’s easy to get bewildered by the vast number of auto insurance companies all advertising big savings.

Finding the lowest cost protection is simple if you know the tricks. In a nutshell, every vehicle owner who shops for insurance coverage will be able to save money. But drivers can benefit from knowing how companies sell insurance online.

Which insurance is cheapest?

Comparing insurance rates is a ton of work if you aren’t aware of the most efficient way. You could spend your day talking about coverages with local insurance agents in your area, or you could save time and use online quoting to get pricing more quickly.

Most of the larger companies enroll in a system where insurance shoppers submit one quote, and each participating company then returns a price quote. This saves time by eliminating quotation requests to each company.

To find out how much you can save on insurance click here to start a free quote.

The single downside to getting quotes like this is you are unable to specify the companies to get pricing from. So if you want to choose specific providers to compare, we have a page of companies who write insurance in your area. View list of insurance companies.

The approach you take is up to you, just be sure to compare the same coverages on every price quote you get. If your comparisons have higher or lower deductibles it will be next to impossible to determine which rate is truly the best. Having just a slight variation in limits could mean much higher rates. It’s important to know that comparing more rates from different companies provides better odds of finding lower pricing.

Use discounts on car insurance

Car insurance is neither fun to buy or cheap, but you can get discounts that can drop the cost substantially. Some discounts apply automatically when you get a quote, but some may not be applied and must be inquired about before being credited.

• Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently and will qualify for a discount on a insurance coverage quote.
• Multi-Vehicle Discounts – Insuring several vehicles with the same company can get a discount for every vehicle.
• Life Insurance Discount – Some car insurance companies give a break if you buy a life policy as well.
• Driver’s Ed – It’s a good idea to have your young drivers enroll in driver’s education if it’s offered in school.
• Early Switch Discount – A few insurance companies offer discounts for switching policies before your current policy expires. It could save around 10% when you buy insurance coverage online.
• Good Student – Excelling in school can save 20 to 25%. Many companies even apply the discount to college students until age 25.
• Mature Driver Discount – Seniors can get reduced rates on Bonneville insurance.
• First Accident Forgiveness – but companies like Libery Mutual, GEICO and Allstate will forgive one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
• Savings for New Vehicles – Buying car insurance coverage on a new vehicle can cost up to 25% less since newer models are generally safer.
• Anti-lock Brake System – Cars, trucks, and SUVs equipped with ABS or steering control have fewer accidents and earn discounts up to 10%.

It’s important to understand that some credits don’t apply to the entire cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, you’re out of luck.

To see providers with discount car insurance rates, click this link.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage, there really is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that can help discover whether your personal situation would benefit from an agent’s advice.

• Which is better, split liability limits or combined limits?
• Am I missing any policy discounts?
• Am I covered when driving someone else’s vehicle?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Should I put collision coverage on all my vehicles?
• What is covered by UM/UIM coverage?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form.

Car insurance 101

Having a good grasp of your policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

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

Comprehensive insurance covers things such as theft, fire damage and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like rehabilitation expenses, prosthetic devices, nursing services, EMT expenses and dental work. They are used to fill the gap from your health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Pontiac Bonneville.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with another moving vehicle, backing into a parked car, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability coverages – Liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like medical services, repair costs for stationary objects, emergency aid and structural damage. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.