Trying to find cheaper auto insurance rates for your Pontiac Bonneville? Nobody I know looks forward to paying premiums for auto insurance, especially knowing their premiums are through the roof.
Many car insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare car insurance companies to find the absolute cheapest price
If you currently have a car insurance policy, you will be able to save some money using these techniques. Finding the best rates is not that difficult. But vehicle owners benefit from understanding the methods companies use to price online insurance.
Consumers need to have an understanding of the different types of things that help determine your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this enables you to make decisions that could result in better auto insurance rates.
When looking for cheaper insurance coverage quotes, there are a couple ways of comparing rates from many different insurance companies. One of the best ways to find competitive Pontiac Bonneville insurance rates is to perform an online rate comparison. This can be done by using one of the methods below.
The fastest way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This style of form keeps you from doing repetitive form entry to each individual insurance company. Taking the time to complete one form will get you rate comparisons direct from many companies.
A less efficient way to analyze rates requires visiting each individual company website to complete their respective quote request forms. For examples sake, we’ll assume you want to see prices from Auto-Owners, Farmers and Liberty Mutual. You would have to spend time on each company’s site to enter the same coverage data repeatedly, and that explains why we recommend the first method.
To view a list of companies in your area, click here.
You can use whichever method you prefer to find lower rates, just make darn sure you compare apples-to-apples coverage limits and deductibles for each comparison quote. If you are comparing unequal deductibles or liability limits it’s impossible to get a fair rate comparison. Just slight variations in insurance coverages may cause a big price difference. And when comparing insurance rates, know that comparing more company’s prices will increase your chances of finding a better price.
Some insurance providers don’t always advertise every discount in a way that’s easy to find, so the below list has some of the more common and the harder-to-find discounts you could be receiving when you buy insurance coverage online.
While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So even though you would think all the discounts add up to a free policy, you aren’t that lucky.
Companies that may have some of the discounts shown above include:
Before you buy a policy, ask each insurance company which discounts can lower your rates. Some discounts might not be offered on policies in every state. To see companies with significant discounts, click here to view.
When buying the right insurance coverage, there really is no best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions may help highlight whether your personal situation would benefit from professional advice.
If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.
Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages offered by insurance companies.
Coverage for uninsured or underinsured drivers – This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as 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 should not be overlooked.
Coverage for liability – This can cover damage or injury you incur to other’s property or people in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.
Liability coverage pays for things like emergency aid, funeral expenses, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.
Comprehensive insurance – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as damage from flooding, hitting a bird and hitting a deer. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Collision – This covers damage to your Bonneville caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision coverage protects against things like crashing into a building, damaging your car on a curb, colliding with a tree and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.
Coverage for medical expenses – Med pay and PIP coverage kick in for short-term medical expenses for EMT expenses, doctor visits, dental work, X-ray expenses and nursing services. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible
When buying insurance coverage, you should never sacrifice coverage to reduce premiums. In many instances, an insured cut collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your objective should be to get the best coverage possible at an affordable rate, not the least amount of coverage.
Affordable 2001 Pontiac Bonneville insurance can be found on the web in addition to local insurance agencies, so you should compare both to get a complete price analysis. Some insurance providers don’t offer online quoting and many times these smaller companies sell through independent agencies.
More detailed insurance coverage information is available by following these links: