Lower Your 1994 Pontiac Bonneville Car Insurance Quotes

Want lower insurance coverage rates for your Pontiac Bonneville? Did you come to the realization that you have overpriced insurance coverage? Don’t feel bad because you are not the only one feeling buyer’s remorse. Many car insurance companies vie for your business, and because of this it can be hard to compare car insurance companies and get the definite cheapest price

If you have a policy now or are just looking to switch companies, you will benefit by learning to get lower rates while maintaining coverages. Buying car insurance is quite easy. Consumers just need to learn the best way to buy auto insurance online.

First Step: Get free auto insurance quotes

Reducing your 1994 Pontiac Bonneville insurance rates can be surprisingly simple. The only thing you need to do is spend a few minutes on the computer getting comparison quotes online with multiple companies. It’s really simple and can be done in several different ways.

• The fastest way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This type of form eliminates the need for a different quote for each company. Just one form gets prices estimates from all major companies.
• A less efficient way to analyze rates consists of going to the website of each company and repeat the quote process. For examples sake, let’s say you need rates from Nationwide, Esurance and Farmers. You would have to go to every website and punch in your information repeatedly, which can get rather old.

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

Whichever way you use, be sure to compare nearly identical deductibles and coverage limits with each company. If you are comparing different values for each quote it’s impossible to make a fair comparison for your Pontiac Bonneville.

Save $402 a year! What?

Drivers can’t escape the ads that claim the lowest premium rates from the likes of State Farm, Allstate and Geico. They all seem to make an identical promise about saving some big amount if you move your policy.

That’s great but how can every company make the same claim?

Insurance providers give the best rates for the driver that will most likely be profitable. A good example of a profitable risk profile could possibly be over the age of 50, is a homeowner, and drives newer vehicles. Any new insured who matches that profile receives the best premium rates and is almost guaranteed to cut their rates substantially.

People who fall outside those criteria must pay higher premium rates which leads to the customer buying from a different company. The trick companies use is to say “customers that switch” but not “everyone who gets a quote” save money. That’s why insurance companies can confidently make claims like that. Because every company is different, it’s extremely important to compare rate quotes every year. It is just not possible to predict with any certainty which company will fit you best based on your risk profile.

Lower rate quotes with discounts

Companies that sell car insurance don’t necessarily list all available discounts very clearly, so the following is a list of some of the best known as well as some of the hidden ways to save on insurance.

• Paperless Signup – Many insurance companies may give you up to $50 for buying your policy on your computer.
• Buy New and Save – Insuring a new car may earn a small discount because newer vehicles keep occupants safer.
• Good Grades Discount – Maintaining excellent grades may save you up to 25%. Earning this discount can benefit you up to age 25.
• Clubs and Organizations – Affiliation with a professional or civic organization is a good way to get lower rates on insurance.
• Theft Deterent System – Anti-theft and alarm system equipped vehicles can help prevent theft and that can save you a little bit as well.
• Pay Early and Save – By making one initial payment instead of making monthly payments you may reduce your total bill.
• Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can receive discounts of 20% or more.
• No Accidents – Drivers who stay claim-free pay less as opposed to insureds who have frequent claims or accidents.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire policy premium. A few only apply to individual premiums such as liability, collision or medical payments. So even though you would think all the discounts add up to a free policy, you won’t be that lucky.

Car insurance companies that have these benefits include:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

When getting free insurance quotes, it’s a good idea to every prospective company how many discounts you can get. Some of the earlier mentioned discounts may not apply everywhere. To find insurers that provide some of the discounts listed above, click here to view.

What is the best insurance coverage?

When buying adequate coverage for your vehicles, there isn’t really a one size fits all plan. Every situation is different so this has to be addressed. These are some specific questions could help you determine whether you could use an agent’s help.

• Should I have combined single limit or split liability limits?
• Are my friends covered when driving my 1994 Pontiac Bonneville?
• What is an SR-22 filing?
• Does coverage extend to a rental car in a foreign country?
• How do I insure my teen driver?
• Is there coverage for injuries to my pets?
• When should I remove comp and collision on my 1994 Pontiac Bonneville?
• Do I need rental car coverage?
• I have a DUI can I still get coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Coverage specifics

Knowing the specifics of your policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Bonneville.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

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

Comprehensive coverage protects against claims such as falling objects, damage from flooding, fire damage and theft. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as chiropractic care, nursing services, hospital visits and EMT expenses. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverage – Collision coverage pays for damage to your Bonneville from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with a tree, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Liability coverage – This will cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like pain and suffering, emergency aid, attorney fees and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Do the work, save more money

We’ve covered many ways to compare 1994 Pontiac Bonneville insurance prices online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the most savings is with some of the smallest insurance companies. These companies may only write in your state and offer lower rates than the large multi-state companies such as Progressive or Geico.

The cheapest 1994 Pontiac Bonneville insurance can be purchased both online and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some auto insurance companies don’t offer price quotes online and these regional insurance providers prefer to sell through independent agents.

To learn more, take a look at the resources below:

• How do I File a Claim? (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)