1999 Pontiac Bonneville Insurance Rates – 5 Ways to Save

Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Trust us, there are many drivers thinking the same thing.

You have multiple auto insurance companies to insure vehicles with, and although it’s nice to have a selection, more choices can make it harder to find the lowest cost provider.

The purpose of this post is to tell you how to effectively get price quotes. If you currently have car insurance, you will most likely be able to lower your premiums substantially using these techniques. But vehicle owners must learn the methods companies use to market insurance on the web and apply this information to your search.

How to buy car insurance online

To get affordable car insurance quotes, there a variety of ways to compare rate quotes from lots of car insurance companies. The fastest way to find affordable 1999 Pontiac Bonneville insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished using a couple different methods.

  1. Probably the best way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This style of form keeps you from doing separate quotes for every car insurance company. In just a few minutes this one form gets rate comparisons from multiple companies.
  2. A less efficient way to compare rate quotes is going to each company website to complete a price quote. For instance, let’s say you want to compare GEICO, State Farm and GMAC. In order to get each rate, you would have to spend time going to each site individually and repeatedly type in your coverage information, which is why most consumers use the first method. For a list of companies in your area, click here.
  3. The least recommended method to comparison shop is to spend time driving to each insurance agency near you. Comparing online rate quotes makes this process obsolete unless you require the professional advice that only a licensed agent can provide. However, consumers can price shop online and have a local agent actually service the policy.

It’s up to you which method you use, but compare the exact same coverage data with each company. If you use differing limits then you won’t be able to determine the best price for your Pontiac Bonneville. Even a minor difference in insurance coverages or limits could skew the results. Keep in mind that getting more free quotes helps locate a lower rate. Some smaller insurers to not give online quotes, so it’s important to also get quotes from those companies as well.

Car insurance policy discounts

Companies that sell car insurance don’t always advertise every discount in an easy-to-find place, so the list below details both well-publicized and the harder-to-find credits that may apply to you.

  • Early Renewal Discounts – Some car insurance companies provide a discount for switching companies before your current policy expires. Ten percent is about the average savings.
  • Sign Online – A handful of companies give back up to $50 for buying your policy over the internet.
  • Resident Student – Kids who are attending college and do not have a car could get you a discount.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Telematics Data – People who choose to allow their insurance company to monitor driving manner by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm may see discounts if they have good driving habits.

You should keep in mind that most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, you aren’t that lucky.

Companies and the discounts they provide can be found below.

  • Progressive policyholders can earn discounts including homeowner, good student, continuous coverage, online quote discount, and multi-vehicle.
  • GEICO offers discounts for daytime running lights, membership and employees, driver training, federal employee, and multi-policy.
  • State Farm may offer discounts for good student, multiple policy, multiple autos, student away at school, anti-theft, and accident-free.
  • Esurance may include discounts for claim free, online shopper, anti-lock brakes, DriveSense, and multi-car.
  • The Hartford has savings for driver training, anti-theft, bundle, air bag, vehicle fuel type, defensive driver, and good student.

Before buying, ask every prospective company which discounts you may be entitled to. All car insurance discounts may not apply to policies everywhere. To see a list of insurance companies who offer online car insurance quotes, follow this link.

How do I know if I need professional advice?

When choosing proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that can aid in determining if you would benefit from professional advice.

  • What is medical payments coverage?
  • Should I sign the liability waiver when renting a car?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What happens if I owe more than my 1999 Pontiac Bonneville is worth?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need added coverage for expensive stereo equipment?
  • What discounts do I qualify for?
  • How do I buy GAP insurance?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered when pulling a rental trailer?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Coverages available on your insurance policy

Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most insurance policies.

Comprehensive coverage – This pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, fire damage, hitting a deer and damage from flooding. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance – Liability coverage will cover damage that occurs to other people or property by causing an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like repair bills for other people’s vehicles, emergency aid, bail bonds, medical services and attorney fees. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for bills for X-ray expenses, nursing services, dental work and prosthetic devices. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They 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 only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – This gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Pontiac Bonneville.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Collision coverage – This covers damage to your Bonneville caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, rolling your car and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Be a Smart Shopper

You just read quite a bit of information on how to reduce 1999 Pontiac Bonneville insurance rates online. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even discover the most savings is with a small local company. Smaller companies may only write in your state and offer lower auto insurance rates than their larger competitors like Allstate and Progressive.

Cheap 1999 Pontiac Bonneville insurance is definitely available from both online companies in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and these regional insurance providers only sell coverage through independent agencies.

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