1992 Pontiac Bonneville Insurance Rates

Want cheaper auto insurance rates for your Pontiac Bonneville? If shopping for insurance quotes online is new to you, chances are good that you are baffled thanks to the incredible selection of online companies that all say they have the best rates.

Locating affordable coverage can be fairly easy. Essentially every vehicle owner who is shopping for insurance coverage most likely will be able to find better rates. Although consumers must know how insurance companies price online insurance and apply this information to your search.

Insurance Discounts

Car insurance is not cheap, but there may be some discounts that can help lower your rates. Certain discounts will be applied when you purchase, but some must be requested specifically before you will receive the discount.

• Auto/Home Discount – If you insure your home and vehicles and place coverage with the same company you could save approximately 10% to 15%.
• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn lower insurancerates if you buy life insurance.
• Onboard Data Collection – Drivers that enable driving data collection to track when and where they use their vehicle by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks as long as they are good drivers.
• Discount for Good Grades – Maintaining excellent grades can save 20 to 25%. The discount lasts until age 25.
• ABS Brakes – Vehicles with anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
• Student Driver Training – Teen drivers should enroll in driver’s education if offered at their school.
• Senior Citizen Discount – Drivers that qualify as senior citizens can possibly qualify for better insurance rates for Bonneville coverage.
• Professional Organizations – Being a member of a civic or occupational organization could earn you a nice discount when shopping for insurance.
• Home Ownership Discount – Just owning your own home can save you money since home ownership is proof that your finances are in order.
• Discounts for Government Workers – Being employed by or retired from a federal job could provide a small rate reduction for Bonneville coverage depending on your company.

Remember that most credits do not apply to all coverage premiums. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way.

The best insurance companies and a partial list of their discounts are:

• Farm Bureau offers discounts for driver training, multi-policy, renewal discount, youthful driver, multi-vehicle, good student, and safe driver.
• State Farm policyholders can earn discounts including safe vehicle, Steer Clear safe driver discount, defensive driving training, multiple autos, Drive Safe & Save, passive restraint, and multiple policy.
• Progressive may offer discounts for multi-vehicle, good student, online quote discount, homeowner, multi-policy, online signing, and continuous coverage.
• Allstate may have discounts that include defensive driver, utility vehicle, economy car, premier discount, multi-policy, and eSmart discount.
• Nationwide offers premium reductions for business or organization, accident-free, anti-theft, family plan, and defensive driving.
• MetLife may include discounts for good driver, accident-free, multi-policy, claim-free, defensive driver, and good student.

Check with each company or agent to give you their best rates. Some discounts might not apply in your area. To see insurance companies who offer insurance discounts, click this link.

Insurance rates are influenced by these factors

The best way to find cheaper car insurance is to take a look at the different types of things that are used to determine your premiums. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that could help you find lower car insurance prices. Many factors are part of the calculation when quoting car insurance. Some are pretty understandable such as your driving record, but other criteria are more obscure like your continuous coverage or how safe your car is.

• Single drivers take more risk – Being married can get you a discount on your car insurance policy. Marriage may mean you are more stable financially and statistics show being married results in fewer claims.
• High credit means lower rates – Having a bad credit score can be an important factor in determining your rates. Drivers who have excellent credit tend to file fewer claims than drivers who have worse credit. If your credit rating is low, you may save money insuring your 1992 Pontiac Bonneville if you improve your credit rating.
• Reserve claims for larger damages – Car insurance companies give lower rates to insureds who are claim-free. If you frequently file small claims, you can look forward to either higher rates or even cancellation. Your car insurance is meant to be used in the event of claims that you cannot pay yourself.
• Premiums for guys may be higher – Over the last 50 years, statistics have shown that females take fewer risks when driving. Now that doesn’t mean females are better drivers. Both sexes tend to get into at-fault accidents at a similar rate, but the male of the species tend to have higher claims. Men also tend to get cited for more serious violations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident so it costs more to insure them.
• Extra policy coverages can cost a lot – There are a lot of extra coverages you can purchase but may not be useful. Add-on coverages like coverage for rental cars, high-cost glass coverage, and membership fees may not be needed and are just wasting money. They may seem good when buying your policy, but your money might be better spent on other coverage so remove them and pocket the money.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different.

For example, these questions could help you determine whether you will benefit from professional help.

• Should I buy full coverage?
• Am I covered when pulling a rental trailer?
• Exactly who is provided coverage by my policy?
• Should I buy more coverage than the required minimum liability coverage?
• Is my teenager covered with friends in the car?
• What vehicles should carry emergency assistance coverage?
• Is my cargo covered for damage or theft?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.

Insurance coverage options for a Pontiac Bonneville

Learning about specific coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Liability auto insurance

Liability insurance can cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as funeral expenses, medical expenses and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Pontiac Bonneville.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like rock chips in glass, hail damage, vandalism and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for collisions

This covers damage to your Bonneville from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like colliding with a tree, crashing into a building, hitting a mailbox, crashing into a ditch and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like EMT expenses, nursing services and hospital visits. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

The best insurance company isn’t always the cheapest

We’ve covered a lot of information how to save on 1992 Pontiac Bonneville insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your prices. You may even discover the most savings is with the least-expected company.

Cheaper auto insurance is definitely available both online in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis. Some companies do not provide rates over the internet and usually these smaller providers prefer to sell through independent insurance agents.

Drivers leave their current company for a variety of reasons including high prices, policy non-renewal, extreme rates for teen drivers and denial of a claim. It doesn’t matter what your reason, choosing a new company can be less work than you think.

More articles

• What to do at the Scene of an Accident (Insurance Information Insitute)
• Teen Driver Statistics (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• State Laws for Cellphones and Texting (iihs.org)
• Teen Driving Statistics (Geico)