Compare 2003 Pontiac Bonneville Insurance Quotes

Want cheaper insurance coverage rates? Drivers have a choice when trying to find the best price on Pontiac Bonneville insurance. You can either waste hours calling around getting price quotes or use the internet to find the lowest rates. There are more efficient ways to compare insurance coverage rates and you need to know the proper way to quote coverages for your Pontiac and find the cheapest rates from both online companies and local agents.

It’s a great practice to get comparison quotes periodically since insurance prices are adjusted regularly by insurance companies. Even if you think you had the lowest rates on Bonneville insurance on your last policy other companies may now be cheaper. Forget all the misinformation about insurance coverage because we’re going to demonstrate one of the easiest ways to find the best coverage while lowering your premiums.

Buying car insurance is not that difficult. If you have car insurance now, you will be able to lower your premiums substantially using this strategy. Drivers just need to know the tricks to compare price quotes online.

The best way to compare rates is to know most of the larger companies allow for online access to give rate comparisons. The one thing you need to do is give them rating details including what your job is, how much coverage you want, if you require a SR-22, and if you have a valid license. Your information is then submitted to multiple companies and they return cost estimate instantly.

How do I know if I need professional advice?

When buying proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine if your insurance needs might need professional guidance.

  • Are split liability limits better than a combined single limit?
  • Is my custom paint covered by insurance?
  • Do I benefit by insuring my home with the same company?
  • Does car insurance cover theft of personal property?
  • Where can I find high-risk insurance?
  • Do I need replacement cost coverage on my 2003 Pontiac Bonneville?
  • Are rental cars covered under my policy?
  • When should I remove comp and collision on my 2003 Pontiac Bonneville?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverages explained

Learning about specific coverages of your auto insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability insurance

This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as pain and suffering, attorney fees and medical expenses. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like nursing services, surgery and hospital visits. They are utilized in addition to your health insurance program or if you do not have health coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Pontiac Bonneville.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from flooding, vandalism and damage from getting keyed. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with a tree, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.