Cheaper 1993 Pontiac Bonneville Car Insurance Quotes

Want better insurance rates for your Pontiac Bonneville? Shopping for affordable insurance on the internet is somewhat intimidating for vehicle owners not familiar with comparison shopping over the internet. When there are so many companies in the marketplace, how can you have a chance to compare them all to find better prices?

Buying car insurance is easy if you know what you’re doing. If you currently have a car insurance policy, you stand a good chance to be able to save some money using these techniques. But drivers must comprehend the way companies compete online because it can help you find the best coverage.

Drivers save money with these discounts

Insurance can be prohibitively expensive, but there are discounts available that can drop the cost substantially. Many discounts should be triggered when you quote, but some need to be asked for prior to getting the savings.

• Early Switch Discount – A few insurance coverage companies allow discounts for switching to them before your current policy expires. This discount can save up to 10%.
• ABS Braking Discount – Cars with ABS braking systems or traction control can avoid accidents and will save you 10% or more.
• Government Employees – Employees or retirees of the government can earn a discount up to 10% on Bonneville insurance but check with your company.
• Service Members Pay Less – Being on active duty in the military could be rewarded with lower insurance coverage rates.
• Homeowners Discount – Owning your own home or condo can save a few bucks because of the fact that having a home requires a higher level of personal finance.
• Drive Less and Save – Fewer annual miles on your Pontiac could qualify for discounted rates on garaged vehicles.
• Good Student – Performing well in school can get you a discount of up to 25%. The discount lasts up to age 25.
• Auto/Life Discount – Select insurance carriers reward you with a discounted insurance coverage rate on car insurance if you buy a life insurance policy as well.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire cost. The majority will only reduce specific coverage prices like comprehensive or collision. Just because it seems like you can get free auto insurance, it’s just not the way it works.

A few popular companies and a summarized list of policyholder discounts can be found below.

• State Farm may include discounts for student away at school, good driver, good student, anti-theft, Drive Safe & Save, and multiple autos.
• Geico has discounts for federal employee, military active duty, multi-policy, seat belt use, and five-year accident-free.
• SAFECO policyholders can earn discounts including drive less, teen safety rewards, accident prevention training, anti-theft, and anti-lock brakes.
• Farmers Insurance offers premium reductions for homeowner, youthful driver, distant student, switch companies, teen driver, and business and professional.
• AAA may offer discounts for education and occupation, multi-car, good driver, pay-in-full, and good student.
• USAA has savings for military installation, annual mileage, new vehicle, defensive driver, family discount, safe driver, and multi-policy.

If you are trying to find the cheapest auto insurance quotes, ask each company to apply every possible discount. Discounts may not be available in your area.

The Pontiac Bonneville insurance cost equation

Consumers need to have an understanding of some of the things that are used to determine your auto insurance rates. If you have some idea of what determines premiums, this allows you to make educated decisions that may result in lower auto insurance prices. Many things are used in the calculation when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, but some are less apparent such as your marital status or your commute time.

• Rates may be lower depending on your job – Occupations such as military generalspolice officers and emergency personnel have higher average rates attributed to job stress and lengthy work days. On the other hand, occupations like farmers, athletes and retirees generally pay rates lower than average on Bonneville insurance.
• Bundle and save – Many insurers provide lower prices for people that have more than one policy such as combining an auto and homeowners policy. The discount can be ten or even up to twenty percent in some cases. Even if you already get this discount, you may still want to comparison shop to help guarantee you have the best rates.
• City dwellers may pay more – Living in areas with lower population can be a good thing when shopping for auto insurance. Fewer people means less chance of accidents in addition to fewer liability claims. Drivers in populated areas tend to have more auto accidents and more time behind the wheel. More time on the road means higher likelihood of an accident.
• Use but don’t abuse your insurance – If you file claims often, you can look forward to much higher rates or policy non-renewal. Auto insurance companies give lower rates to drivers who are claim-free. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
• Reduce prices by driving safer cars – Vehicles with good safety scores get lower rates. The safest vehicles reduce occupant injuries and fewer injuries means lower claim amounts passed on to you as lower rates. If your Pontiac Bonneville is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.

Special considerations

When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different.

These are some specific questions might help in determining if you would benefit from professional advice.

• How can I get high-risk coverage after a DUI?
• How many claims can I have before being cancelled?
• Is a fancy paint job covered?
• What is the ISO rating for a 1993 Pontiac Bonneville?
• Do I need medical payments coverage since I have good health insurance?
• Does having multiple vehicles earn me a discount?
• Am I covered if I crash into my own garage door?
• Are my friends covered when driving my car?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form.

Parts of your insurance policy

Understanding the coverages of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability – Liability coverage will cover damage that occurs to people or other property in an accident. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as repair costs for stationary objects, legal defense fees, attorney fees and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Pontiac Bonneville.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, a tree branch falling on your vehicle and a broken windshield. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as EMT expenses, surgery, prosthetic devices and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Collision – This coverage covers damage to your Bonneville from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, crashing into a building, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

You can do this!

We covered some good ideas how to reduce 1993 Pontiac Bonneville insurance premium rates online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the lowest premium rates are with an unexpected company.

Cheaper 1993 Pontiac Bonneville insurance is possible on the web as well as from insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies may not offer online rate quotes and these smaller providers sell through independent insurance agencies.

When trying to cut insurance costs, it’s a bad idea to buy less coverage just to save a little money. In many instances, drivers have reduced liability coverage limits to discover at claim time they didn’t purchase enough coverage. Your objective should be to get the best coverage possible at the best price but still have enough coverage for asset protection.

Helpful resources

• Electronic Stability Control FAQ (iihs.org)
• Keeping Children Safe in Crashes Video (iihs.org)
• Driving in Bad Weather (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Comprehensive Coverage (Liberty Mutual)