1996 Pontiac Bonneville Insurance Cost – 7 Tips for Cheaper Prices

Looking for better auto insurance rates for your Pontiac Bonneville? Locating lower-cost auto insurance on the internet may at first seem to be overwhelming for consumers new to shopping for insurance on the web. With such a large choice of companies in the marketplace, how are we expected to have time to compare every company to locate better prices?

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Buying the best coverage is easy if you know what you’re doing. But consumers must comprehend how insurance companies market on the web.

How to get free auto insurance quotes online

Performing a rate comparison can be exhausting if you don’t utilize the most efficient way. You can waste a lot of time driving to insurance companies in your area, or you can stay home and use online quotes to achieve your goal.

Most of the best insurance companies enroll in a system that allows shoppers to enter their policy data once, and at least one company then returns a price quote based on that information. This saves time by eliminating quote requests to each individual auto insurance company.

To find out what other companies charge click to open in new window.

The single downside to using this type of system is you can’t choose the insurers to get pricing from. If you wish to select specific providers to compare rates, we put together a list of auto insurance companies in your area. Click here for list of insurance companies.

The approach you take is up to you, just do your best to enter equivalent coverages on every quote you get. If your comparisons have different values for each quote then you won’t be able to get a fair rate comparison. Even a minor difference in coverage limits may cause a big price difference. And when comparing auto insurance rates, know that comparing more quotes will enable you to find more affordable rates. Some insurance companies are not set up to provide prices over the internet, so it’s recommended that you also compare quotes from the smaller companies as well.

Auto insurance can be complex

When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining if your insurance needs will benefit from professional help.

  • How much liability coverage do I need in my state?
  • How high should deductibles be on a 1996 Pontiac Bonneville?
  • Does coverage extend to my business vehicle?
  • Does insurance cover tools stolen from my truck?
  • Is my ex-spouse still covered by my policy?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered if hit by an uninsured driver?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Coverage specifics

Understanding the coverages of insurance can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive protection

Comprehensive insurance will pay to fix 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 broken windshield, vandalism, theft, rock chips in glass and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability auto insurance

This can cover damage or injury you incur to other people or property 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. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things such as repair costs for stationary objects, funeral expenses, loss of income, bail bonds and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as hitting a parking meter, colliding with a tree, hitting a mailbox, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Medical expense coverage

Med pay and PIP coverage provide coverage for bills such as ambulance fees, prosthetic devices, doctor visits and chiropractic care. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible