Save on 2002 Pontiac Bonneville Car Insurance Quotes

Trying to find the cheapest car insurance rates for your Pontiac Bonneville? Have you had enough of scraping the payment together to keep your car insured? Your situation is no different than most other consumers.

Due to the abundance of options when it comes to car insurance, it’s nearly impossible to pick the best car insurance company.

Consumers should take time to check car insurance prices every six months due to the fact that insurance rates are adjusted regularly by insurance companies. If you had the best premium rates for Bonneville coverage a year ago there may be better deals available now. Block out anything you think you know about car insurance because we’re going to show you the easiest way to find lower rates on car insurance.

Low cost insurance coverage quotes online

Most major insurance companies allow you to get coverage prices on the web. Getting quotes is fairly simple as all you need to do is type in the amount of coverage you want into the quote form. Once you submit the form, the system sends out for reports for credit and driving violations and returns a price based on the information you submitted. Quoting online helps simplify price comparisons, but the process of having to visit multiple sites and complete many quote forms gets old quite quickly. But it is imperative to do this if you are searching for lower prices.

A better way to find cheaper rates utilizes a single form to return rates from multiple companies. This type of form saves time, requires less work, and makes price shopping online much more enjoyable and efficient. After your information is entered, it is quoted and you can choose any one of the pricing results. If you find a better price you can simply submit the application and buy the new coverage. The entire process only takes a few minutes and may result in a nice savings.

To fill out one form to compare multiple rates now, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you copy coverages and limits as close as possible to your current policy. This way, you will be getting a rate comparison based on identical coverages.

Discounts can really help save money

Insurance can be prohibitively expensive, but discounts can save money and there are some available that many people don’t even know exist. Most are applied at quote time, but less common discounts must be specifically requested prior to getting the savings.

  • Cautious Driver Discount – Insureds without accidents could pay up to 40% less for Bonneville coverage compared to accident prone drivers.
  • Accident Waiver – This one isn’t a discount, but some companies like GEICO, Progressive, and Allstate may permit one accident before they charge you more for coverage with the catch being you have to be claim-free before the accident.
  • Student Discounts – A discount for being a good student can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Buy New and Save – Insuring a new car can save you some money since newer models are generally safer.
  • College Student – who are enrolled in a college that is more than 100 miles from home without a vehicle on campus could get you a discount.
  • Driver Safety – Taking a safe driver course could save 5% or more and easily pay for the cost of the class.
  • Life Insurance – If the company offers life insurance, you could get a discount if you purchase a life policy as well.

As a footnote on discounts, most discount credits are not given to your bottom line cost. Some only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, you aren’t that lucky. But any discount should definitely cut the premium cost.

A few popular companies and their offered discounts are detailed below.

  • Travelers offers discounts including IntelliDrive, new car, student away at school, multi-car, multi-policy, continuous insurance, and home ownership.
  • 21st Century may have discounts that include early bird, driver training, good student, anti-lock brakes, 55 and older, and teen driver.
  • State Farm offers premium reductions for accident-free, safe vehicle, Drive Safe & Save, anti-theft, and defensive driving training.
  • GEICO has savings for multi-vehicle, seat belt use, emergency military deployment, membership and employees, five-year accident-free, military active duty, and air bags.
  • SAFECO offers discounts for anti-lock brakes, anti-theft, teen safety rewards, homeowner, safe driver, and accident prevention training.
  • AAA policyholders can earn discounts including good driver, multi-policy, multi-car, pay-in-full, good student, and anti-theft.

When quoting, ask every insurance company to give you their best rates. Some of the earlier mentioned discounts might not be available to policyholders in your area.

Will just any policy work for me?

When buying the best insurance coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. These are some specific questions may help highlight whether your personal situation could use an agent’s help.

  • Are my friends covered when driving my 2002 Pontiac Bonneville?
  • How much liability do I need to cover my assets?
  • Exactly who is provided coverage by my policy?
  • Does my 2002 Pontiac Bonneville need full coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered if I wreck a rental car?
  • Can I afford low physical damage deductibles?
  • Do I have coverage if my license is suspended?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

What determines Pontiac Bonneville insurance rates?

One of the most helpful ways to save on insurance coverage is to to have a grasp of the different types of things that aid in calculating your premiums. If you have a feel for what controls the rates you pay, this enables informed choices that can help you get better insurance coverage rates. Many things are part of the calculation when quoting car insurance. Some factors are common sense like an MVR report, but other criteria are not as apparent such as your credit history and annual miles driven.

  • Big city or small town – Choosing to live in smaller towns and rural areas of the country may provide you with better prices when it comes to insurance coverage. People who live in big cities regularly have traffic congestion and longer commutes to work. Lower population translates into fewer accident claims and lower theft and vandalism rates.
  • Alarms and GPS tracking lower premiums – Choosing to buy a car that has an advanced theft prevention system can save you a little every year. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping auto theft.
  • Avoid traffic tickets – Having a clean driving record has a lot to do with how much you pay for insurance. Drivers with clean records have lower premiums compared to bad drivers. Getting just one ticket can boost insurance rates by as much as thirty percent. Drivers who get careless violations such as DUI or reckless driving may need to prove financial responsibility to the state department of motor vehicles in order to continue driving.
  • Use one insurance company and save – Lots of companies allow discounts to buyers that have more than one policy in the form of a multi-policy discount. Even if you’re getting this discount drivers will still want to compare other insurance prices to help ensure you have the lowest rates.
  • Men pay more for car insurance – The statistics show that men are more aggressive behind the wheel. This data doesn’t prove that males are worse at driving than females. Both genders tend to get into accidents in similar numbers, but the male of the species tend to have higher claims. Men also have more aggressive citations such as reckless driving.
  • Proper usage rating affects premiums – The more you drive annually the more you’ll pay to insure it. Most companies rate vehicles based upon how much you drive. Autos that sit idle most of the time can get a lower rate compared to those used for work or business. Ask your agent if your policy shows how each vehicle is driven. An improperly rated Bonneville may be costing you higher rates.

But they said I’d save $399 a year!

Popular auto insurance providers such as Allstate and Progressive consistently run television and radio advertisements. All the companies advertise claims about how much you will save if you change your coverage. That’s great but how can every company cost less than your current company? Here is the trick they use.

Insurance providers have a preferred profile for the right customer that will be a good risk. An example of a preferred risk may be a married female, has few claims, and drives a safe vehicle. Any new insured who matches those parameters is entitled to the best price and most likely will save money with a new company.

Drivers who may not quite match the “perfect” profile will be quoted a higher rate and ends up with the customer buying from someone else. If you pay close attention to the ads, they say “drivers that switch” not “everyone that quotes” can save as much as they claim. That is how insurance companies can confidently make those statements. This really emphasizes why drivers must get price quotes at each policy renewal. It’s just too difficult to predict the company that will have the lowest rates.

Coverages available on your policy

Knowing the specifics of insurance helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.

Medical expense insurance

Med pay and PIP coverage provide coverage for expenses for X-ray expenses, EMT expenses, pain medications, doctor visits and nursing services. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like vandalism, damage from flooding, a broken windshield, rock chips in glass and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages

This coverage protects you from injuries or damage you cause to a person or their property. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things such as medical services, structural damage, medical expenses and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as rolling your car, backing into a parked car, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist 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 only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Save your hard earned cash

As you quote insurance coverage, it’s very important that you do not buy less coverage just to save a little money. In too many instances, consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that the savings was not a smart move. Your focus should be to buy the best coverage you can find at the best cost while not skimping on critical coverages.

Throughout this article, we presented a lot of ways to compare 2002 Pontiac Bonneville insurance rates online. The most important thing to understand is the more times you quote, the better your comparison will be. You may even find the best rates are with a small local company. These companies may only write in your state and offer lower car insurance rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

Much more information about insurance coverage can be read at the links below