1994 Pontiac Bonneville Insurance Cost – 7 Tips for Best Prices

Looking for better insurance rates for your Pontiac Bonneville? Finding better insurance prices for your Pontiac Bonneville can turn out to be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to find insurance online and we’ll show you the best way to get price quotes for a Pontiac and find the lowest possible price.

Do you qualify for these seven discounts?

Car insurance companies don’t always list the entire discount list very well, so we took the time to find some of the more common and also the more inconspicuous credits available to bring down your rates.

  • Anti-lock Brake System – Vehicles that have anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
  • Service Members Pay Less – Being deployed in the military could be rewarded with lower rates.
  • Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems help deter theft and can earn a small discount on your policy.
  • Discount for New Cars – Buying a new car instead of a used car can be considerably cheaper since newer models are generally safer.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may qualify for discounts as much as 30%.
  • Driver’s Education for Students – It’s a good idea to have your young drivers enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Professional Organizations – Participating in qualifying clubs or civic groups is a simple method to lower premiums on your next insurance coverage statement.

Drivers should understand that some credits don’t apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates all those discounts means the company will pay you, nobody gets a free ride. Any amount of discount will bring down the cost of your policy.

Popular insurance coverage companies and some of their more popular discounts are shown below.

  • Travelers may have discounts that include good student, driver training, multi-car, home ownership, and early quote.
  • 21st Century discounts include good student, homeowners, driver training, automatic seat belts, and student driver.
  • State Farm has discounts for multiple autos, student away at school, Drive Safe & Save, good student, and Steer Clear safe driver discount.
  • GEICO may offer discounts for multi-policy, multi-vehicle, driver training, air bags, good student, military active duty, and emergency military deployment.
  • SAFECO may include discounts for accident prevention training, multi-car, homeowner, anti-theft, and anti-lock brakes.
  • AAA policyholders can earn discounts including education and occupation, anti-theft, multi-car, pay-in-full, good driver, AAA membership discount, and good student.

If you are trying to find cheap insurance coverage quotes, ask all companies you are considering to apply every possible discount. All car insurance discounts might not apply in your area.

Can you really save that much by switching?

Consumers get pounded daily by advertisements that claim the best prices from companies such as Progressive, Allstate and GEICO. All the ads say the same thing that you’ll save big if you change to them.

It sounds good, but how can they all make almost identical claims? It’s all in the numbers.

Insurance providers have specific characteristics for the type of driver that will most likely be profitable. For example, a desirable risk could be over the age of 40, has no tickets, and drives a safe vehicle. Any customer who matches that profile may get the lowest rates and will save if they switch.

Potential customers who may not quite match these standards may be required to pay a higher premium and this results in business not being written. The wording the ads use say “drivers that switch” not “everybody who quotes” save that much. That is how companies can lure you into getting a quote. This really illustrates why you really need to get as many free insurance coverage quotes as possible. It is impossible to guess the company that will have the lowest rates.

Don’t assume everyone needs the same insurance coverage coverage

When it comes to buying coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is unique.

For example, these questions might point out whether you would benefit from professional advice.

  • Does my policy pay for OEM or aftermarket parts?
  • Is there coverage for injuries to my pets?
  • Who is covered by my policy?
  • Am I covered if I break a side mirror?
  • How much liability coverage do I need in my state?
  • How do I file an SR-22 for a DUI in my state?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is my Pontiac Bonneville covered if I use it for business?

If it’s difficult to answer those questions, 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. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance 101

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Medical expense coverage

Med pay and PIP coverage provide coverage for bills for things like EMT expenses, doctor visits, X-ray expenses, nursing services and chiropractic care. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This coverage will cover damages or injuries you inflict on a person or their property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, 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 insurance covers claims like loss of income, pain and suffering, medical services and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Bonneville.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage protection

Collision insurance will pay to fix damage to your Bonneville resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like rolling your car, colliding with a tree, hitting a parking meter, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance 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 insurance covers claims such as a tree branch falling on your vehicle, hitting a bird and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Take this to the bank

People leave their current company for many reasons like high rates after DUI convictions, lack of trust in their agent, an unsatisfactory settlement offer and policy non-renewal. No matter why you want to switch, finding the right auto insurance provider is less work than it seems.

We just covered quite a bit of information on how to lower your 1994 Pontiac Bonneville insurance prices. The key concept to understand is the more times you quote, the better your comparison will be. You may even find the best price on auto insurance is with a lesser-known regional company.

When searching for low cost insurance coverage quotes, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where an insured cut comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your goal should be to buy the best coverage you can find at the best price, but do not sacrifice coverage to save money.

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