How Much Does 1998 Pontiac Bonneville Car Insurance Cost?

Looking for cheaper insurance coverage rates for your Pontiac Bonneville? Nobody I know anticipates paying for insurance coverage, especially when they could lower their rates if they shopped around. Lots of car insurance companies contend for your hard-earned dollar, so it can be very hard to choose a insurer to find the best rate

Affordable insurance coverage

Finding a lower price on 1998 Pontiac Bonneville insurance is surprisingly easy. All you need to do is take a couple of minutes comparing free car insurance quotes to find the company with affordable car insurance quotes. This can be accomplished using a couple different methods.

  1. The easiest and least time consuming way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This method eliminates the need for repetitive form submissions for each price estimate. A single form will return quotes direct from many companies.
  2. A harder way to shop for insurance coverage online consists of visiting the website for each individual company and repeat the quote process. For example, let’s assume you want to compare prices for GEICO, Safeco and Liberty Mutual. To do that, you would have to go to every website to enter your coverage information, and that explains why we recommend the first method.

    To view a list of companies in your area, click here.

Whichever way you choose to compare rates, be certain you are entering exactly the same quote information on every price quote you get. If you are comparing mixed coverages you can’t possibly make an equal comparison.

Learn how to lower your insurance premiums

Lots of factors are taken into consideration when quoting car insurance. Some are obvious such as traffic violations, but others are more transparent such as your credit history or your vehicle rating.One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that help calculate the level of your policy premiums. If you know what positively or negatively impacts your premiums, this enables informed choices that may result in much lower annual insurance costs.

  • Car plus home equals more savings – The majority of companies allow lower prices to clients that have more than one policy, otherwise known as a multi-policy discount. The discount can be ten or even up to twenty percent in some cases. If you currently are using one company, it’s always a smart idea to get quotes from other companies to guarantee you are still saving the most.
  • Increase physical damage deductibles to save – Physical damage insurance, also known as collision and other-than-collision, helps pay for damage to your vehicle. A few examples of covered claims could be a windshield shattered by a rock, hitting a deer, and having your car stolen. Comprehensive and collision coverage deductibles are how much you are willing to pay out-of-pocket before a claim is paid by your company. The larger the amount you are required to pay out-of-pocket, the bigger discount you will receive for Bonneville coverage.
  • Gender and car insurance – Over time, data shows that men are more aggressive behind the wheel. The data does not necessarily mean that females are better drivers. Males and females are in accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. In addition to higher claims, males also get higher numbers of serious violations such as reckless driving.
  • Youthful drivers cost more – More experienced drivers are shown to be more cautious, cause fewer claims and accidents and tend to be get fewer driving tickets.Young drivers are known to be less responsible when driving with friends so they pay higher auto insurance rates.

Take policy discounts and save

Buying auto insurance is not cheap, but you may be missing some discounts to help bring down the price. Most are applied when you complete an application, but once in a while a discount must be asked about before being credited.

  • Professional Organizations – Participating in a civic or occupational organization could earn you a nice discount on your policy.
  • Drivers Ed for Students – Require your teen driver to enroll and complete driver’s education as it will make them better drivers and lower rates.
  • No Claims – Insureds with no claims or accidents can save substantially when compared with bad drivers.
  • Discount for Life Insurance – Larger companies have a discount if you purchase life insurance.
  • Theft Deterent System – Cars and trucks that have factory anti-theft systems are less likely to be stolen and earn discounts up to 10% off your car insurance quote.
  • Early Payment Discounts – By making one initial payment instead of paying each month you could save 5% or more.
  • Policy Bundle Discount – If you can combine your home and auto policy and insure them with the same company you could get a discount of up to 20% off your total premium.

One thing to note about discounts is that most credits do not apply to your bottom line cost. Most only reduce individual premiums such as medical payments or collision. If you do the math and it seems like all those discounts means the company will pay you, you won’t be that lucky.

The best auto insurance companies and their possible discounts can be found below.

  • Progressive offers discounts for multi-policy, multi-vehicle, good student, homeowner, online signing, and online quote discount.
  • AAA has discounts for good driver, anti-theft, pay-in-full, education and occupation, AAA membership discount, multi-car, and good student.
  • Farmers Insurance discounts include early shopping, electronic funds transfer, mature driver, business and professional, and good student.
  • GEICO offers premium reductions for seat belt use, multi-vehicle, driver training, multi-policy, emergency military deployment, military active duty, and daytime running lights.
  • Esurance policyholders can earn discounts including emergency road assistance, paid-in-full, online shopper, anti-lock brakes, anti-theft, and homeowner.
  • SAFECO may include discounts for multi-car, accident prevention training, teen safety rewards, safe driver, and bundle discounts.
  • State Farm has savings for multiple autos, Drive Safe & Save, driver’s education, student away at school, and safe vehicle.

Check with every insurance company the best way to save money. Some credits may not be offered everywhere.

Which policy gives me the best coverage?

When it comes to choosing the best auto insurance coverage for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can aid in determining if your insurance needs may require specific advice.

  • When does my teenage driver need to be added to my policy?
  • Can my babysitter drive my car?
  • Do I need motorclub coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I have coverage when making deliveries for my home business?
  • Is a blown tire covered by insurance?
  • Should I sign the liability waiver when renting a car?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance 101

Understanding the coverages of a insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages found on the average insurance policy.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for bills like chiropractic care, funeral costs, nursing services and EMT expenses. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision coverage will pay to fix damage to your Bonneville resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a building, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability coverages – This coverage will cover damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

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 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as funeral expenses, attorney fees, emergency aid, loss of income and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Pontiac Bonneville.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a broken windshield, fire damage, hitting a deer, damage from a tornado or hurricane and vandalism. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

A little work can save a LOT of money

Affordable 1998 Pontiac Bonneville insurance is definitely available online as well as from insurance agents, so you need to quote car insurance with both in order to have the best chance of saving money. Some insurance providers don’t offer internet price quotes and usually these smaller providers only sell through independent agents.

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced liability limits or collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at a price you can afford, but don’t skip important coverages to save money.

More tips and info about insurance is located at these sites: