1990 Pontiac Bonneville Car Insurance Cost – 6 Ways to Save

Looking for the cheapest car insurance rates for your Pontiac Bonneville? Do you get exhausted from scraping the payment together to pay your car insurance bill each month? You are in the same boat as most other consumers.

Insurance companies such as Progressive, Geico and Farmers Insurance all promote huge savings with TV and radio ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

It’s important to do rate comparisons periodically because car insurance rates are constantly changing. Even if you got the best rate for Bonneville coverage a year ago you can probably find a lower rate today. There is too much inaccurate information about car insurance on the web, but in just a couple of minutes you can learn some of the best techniques to buy car insurance cheaper.

How to get auto insurance quotes

Comparing auto insurance rates can take time and effort if you aren’t aware of the most efficient way to do it. You can spend your afternoon talking to local insurance agents in your area, or you can utilize the internet to get rate comparisons in just a few minutes.

Most of the larger companies belong to a marketplace where prospective buyers submit their information once, and each participating company can provide price quotes. This eliminates the need for form submissions to each company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to getting quotes like this is you cannot specify the companies to receive prices from. If you wish to select specific insurance companies to request quotes from, we have a page of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make sure you compare exactly the same coverage data on every price quote you get. If each company quotes different limits and deductibles on each one it’s impossible to find the best deal for your Pontiac Bonneville. Slightly different coverages can result in a big premium difference. Keep in mind that more quotes increases your odds of finding more affordable insurance. Not every company does rate quotes online, so it’s necessary to compare price quotes on coverage from those companies, too.

Lower rate quotes by taking advantage of these six discounts

Auto insurance is not an enjoyable expense, but you can get discounts that can help lower your rates. A few discounts will automatically apply at the time you complete a quote, but some must be requested specifically in order for you to get them.

• Theft Prevention System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and earn discounts up to 10% off your insurance coverage quote.
• Online Discount – Many companies will give you a small discount for buying your policy online.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle up before driving could save 15% off PIP or medical payments premium.
• Switch and Save Discount – Some larger companies reward drivers for signing up prior to the expiration date on your current policy. This can save 10% or more.
• More Vehicles More Savings – Drivers who insure multiple cars on the same auto insurance policy can get a discount for every vehicle.
• Drive Less and Save – Keeping the miles down on your Pontiac could earn substantially lower premium rates.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Even though the math looks like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Some of the insurance companies that may offer some of the discounts shown above include:

• Geico
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

When getting free insurance coverage quotes, it’s a good idea to every insurance company how you can save money. Some of the earlier mentioned discounts might not apply in your state. If you would like to see a list of insurance companies with significant discounts, click here.

How much car insurance do I need?

When choosing coverage for your personal vehicles, there is no cookie cutter policy. Every insured’s situation is different and your policy should reflect that. For example, these questions can help discover if your situation would benefit from professional advice.

• Am I covered when using my vehicle for business?
• Should I file a claim if it’s only slightly more than my deductible?
• Do I need an umbrella policy?
• Is my nanny covered when driving my vehicle?
• What if I owe more than I can insure my car for?
• What are the financial responsibility laws in my state?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Car insurance coverage basics

Understanding the coverages of your car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on the average car insurance policy.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for bills such as EMT expenses, prosthetic devices, funeral costs and hospital visits. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability – Liability coverage protects you from damage that occurs to other’s property or people in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as repair bills for other people’s vehicles, repair costs for stationary objects, funeral expenses and medical services. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance – Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hail damage, falling objects, vandalism and damage from getting keyed. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your 1990 Pontiac Bonneville.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage – Collision insurance pays for damage to your Bonneville caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like driving through your garage door, crashing into a building, colliding with a tree, hitting a parking meter and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to bring the cost down.

Make a quick buck

Affordable 1990 Pontiac Bonneville insurance is definitely available both online as well as from insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not provide the ability to get quotes online and many times these small, regional companies only sell through local independent agents.

In this article, we presented some good ideas how you can get a better price on 1990 Pontiac Bonneville insurance. The key concept to understand is the more times you quote, the better likelihood of getting low cost insurance coverage. Drivers may discover the lowest priced car insurance comes from some of the smallest insurance companies. Some small companies may have significantly lower premium rates on certain market segments compared to the large companies like Allstate, Geico and Progressive.

Even more information can be read at these sites:

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Avoiding Deer Collisions (Insurance Information Insitute)