Cheap 1991 Pontiac Bonneville Car Insurance Rates

If online auto insurance comparisons are new to you, you may be confused of online auto insurance companies and websites offering coverage.

You should take the time to get comparison quotes every six months because rates are variable and change quite frequently. Even if you got the lowest rate for Bonneville coverage a couple years back you can probably find a lower rate today. Block out anything you think you know about auto insurance because you’re about to learn one of the best ways to reduce your cost while improving coverage.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these tips. The purpose of this post is to introduce you to how to get online quotes and some tricks to saving. But car owners can benefit from knowing how companies market insurance on the web and use this information to your advantage.

Compare quotes for insurance

When looking for low cost insurance coverage quotes, there are a couple ways of comparing rates from many different insurance companies. The quickest method to compare rates is to use the internet to compare rates. This is quite simple and can be completed in a couple of different ways.

  • The easiest and least time consuming way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This quick form saves time by eliminating boring form submissions to each individual insurance company. In just a few minutes this one form gets coverage cost estimates from multiple low-cost companies.It’s the quickest way to get rates.
  • Another way to analyze rates requires visiting each company website and request a quote. For instance, let’s assume you want to compare rates from Auto-Owners, Allstate and Progressive. You would have to take the time to go to each site and enter your policy data, which is not fast way to get rate quotes.

    For a list of companies in your area, click here.

  • The most time-consuming method to find cheaper rates is physically going to each insurance agency near you. Comparing rates online reduces the need to sit down with an agent unless you’re the type of person who wants the extra assistance of a licensed agent. Some companies do allow you to price shop online but still have the advice of a local agent.

Whichever way you use, double check that you are using equivalent deductibles and coverage limits on every quote you get. If you compare different liability limits it will be impossible to decipher which rate is best. Just a small difference in insurance coverages or limits may cause a big price difference. And when quoting insurance, remember that comparing all the rates in your area increases the change that you will find better pricing.

Do you really save 40% when you switch?

Big name companies like Geico, State Farm and Progressive constantly bombard you with ads on television and other media. All the companies advertise the message about saving some big amount just by moving to their company. It sounds good, but how can they all make almost identical claims? This is the trick they use.

Insurance companies have specific criteria for the right customer that will not have excessive claims. One example of this type of risk profile might be a married female, owns a home, and does not commute to work. A propective insured that fits those parameters will qualify for the lowest car insurance rates and will most likely save quite a bit of money when switching.

Consumers who fall short of these stringent criteria will see more expensive rates which results in the customer not purchasing. The wording the ads use say “people who switch” not “everyone that quotes” save that much when switching. That’s the way companies can make it sound like they have such great car insurance rates. Because each company has a different risk profile, drivers should compare price quotes frequently. You cannot predict which insurance companies will give you lower rates than your current company.

Take policy discounts and save

Insurance can be prohibitively expensive, but there could be available discounts that you may not even be aware of. Many discounts should be triggered at quote time, but a few need to be asked for prior to receiving the credit. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Organization Discounts – Being in a qualifying organization is a simple method to lower premiums on car insurance.
  • Good Student – Performing well in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students up to age 25.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and earn discounts up to 10% off your insurance coverage quote.
  • Data Collection Discounts – Insureds that choose to allow companies to spy on where and when they drive by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they have good driving habits.
  • Good Driver Discount – Drivers who don’t get into accidents can save as much as half off their rates for Bonneville coverage than drivers with accident claims.

Don’t be shocked that many deductions do not apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way.

If you would like to view companies that offer the discounts shown above, click here.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage, there really is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need higher collision deductibles?
  • Do I need motorclub coverage?
  • Do all my vehicles need collision coverage?
  • How much can I save by bundling my policies?
  • Who is covered by my policy?
  • Am I covered if I hit a deer?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, complete this form.

Information about specific coverages

Having a good grasp of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability coverages

Liability insurance protects you from damage that occurs to other’s property or people that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as repair bills for other people’s vehicles, emergency aid, funeral expenses and attorney fees. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Collision protection

This will pay to fix damage to your Bonneville from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with another moving vehicle, hitting a mailbox and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses such as doctor visits, hospital visits, EMT expenses, dental work and funeral costs. They are utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like fire damage, vandalism, hail damage and rock chips in glass. 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.

Make an honest buck

Cheap 1991 Pontiac Bonneville insurance is possible both online in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money. Some insurance companies do not provide online price quotes and most of the time these small insurance companies sell through local independent agencies.

When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced liability coverage limits and found out when filing a claim they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

We just presented a lot of techniques to lower your 1991 Pontiac Bonneville insurance rates. The most important thing to understand is the more quotes you get, the higher your chance of finding inexpensive insurance coverage. Drivers may discover the biggest savings come from the least-expected company.

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Comments About 1991 Pontiac Bonneville Insurance

  1. Mariah Conley

    I found pretty cheap rate quotes for a 1991 Pontiac Bonneville in Colorado Springs, CO. Ended up at about $100 every six months with AIG Insurance. Insured with 21st Century before. Can still barely afford it.

  2. Kenny Chavez

    From Cincinnati, OH. Got quotes with Amica, Nationwide, and some smaller one I can’t remember the name of for my 1991 Pontiac Bonneville and saved around $80 a year. Was with Erie. It’s only liability tho.

  3. Thanh Rose

    Just my two cents. I live just outside Phoenix, AZ. Got rates from State Farm, Auto-Owners, and some I forget for my 1991 Pontiac Bonneville and saved $100 a year. I have kids on my policy, too. I got prices on the web.

  4. Christinia Thornton

    Got a quote with USAA for my Bonneville and saved about $80 a year. I have kids on my policy, too. Hardly afford to drive anymore.

  5. Leonore Armstrong

    Mine is so expensive. I live on the west side of Springfield, Massachusetts. Quoted with 21st Century, The General, and Erie for my Pontiac and I think I saved about $20 each month. Liability only on my Pontiac.

  6. Jonnie Solis

    I compared a lot of rate quotes for a 1991 Pontiac Bonneville in New York City, NY. Ended up at right around $80 every six months with American Family. I got a quote from their website. Not worth enough to pay for comprehensive and collision.

  7. Trinidad Robles

    I’ve insured with 21st Century for a long time. Pretty cheap in Shreveport, LA.

  8. Jamila Rodriquez

    Located in Warren, MI. Can’t remember who all I quoted but I ended up saving about $20 each month. Insured with Esurance before. Even increased my liability limits. They offer free online rate quotes.

  9. Sandee Mendez

    I’ve insured with 21st Century for a long time. Pretty cheap in Charlotte, NC.

  10. Janella Oneill

    What are minimum liability limits required in Idaho?

  11. Clayton Dillard

    When should I drop comp and collision?

  12. Josefine Wynn

    Great site. I’m from Nampa, ID. Don’t remember every company but I ended up saving about $20 each month. Just go online and compare their rates. My Bonneville doesn’t have full coverage.

  13. Carmon Russell

    Hope my rates come down. From south side of Chesapeake, VA. I quoted with Progressive, Farmers, and The General for my Bonneville and I’m now saving $25 a month.

  14. Twyla Osborn

    It all costs too much. Located in Birmingham, AL. Quoted quotes with Western Auto Insurance, AAA, Hartford, and Nationwide for my Bonneville and I think I saved about $20 each month. Insured with Mercury before. Thankfully I have a good driving record. God forbid I actually have a claim.

  15. Melina Gonzalez

    From northwest of Kansas City, Missouri. Checked online prices for a 1991 Pontiac Bonneville. Ended up at about $70 savings annually. Went with Progressive. Ask about discounts. I just carry liability insurance.