1995 Pontiac Bonneville Insurance Quotes

Searching for the cheapest insurance coverage rates for your Pontiac Bonneville? Finding low cost insurance coverage could be difficult for drivers who are new to online comparison shopping. With so many options of online companies available, it can easily turn into a real hassle to find a more affordable company.

Finding affordable coverage is easy if you know what you’re doing. In a nutshell, every vehicle owner who is required by state law to have auto insurance should be able to cut their insurance bill. Nevertheless, vehicle owners do need to know how big insurance companies price online insurance and use this information to your advantage.

Compare insurance coverage rates

When shopping for low cost insurance coverage quotes, there are a couple of ways to compare rate quotes from lots of insurance coverage companies. The best method to do a complete rate comparison is to get quotes online. It’s really quite simple and can be done in just a few minutes using one of these methods.

• Probably the best way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This style of form eliminates the need for separate forms for every insurance coverage company. Completing one form will return price quotes from multiple low-cost companies. It’s definitely the quickest method.
• Another way to obtain and compare quotes online consists of visiting each company website and fill out their own quote form. For example, let’s say you are doing a rate comparison from Auto-Owners, Progressive and American Family. In order to get each rate, you would have to go to each individual site and type in your information over and over, which can be really labor intensive.

  To view a list of companies in your area, click here.

• The most difficult way to compare rates to all the different insurance agencies. Shopping for insurance coverage online has reduced the need for local agents unless you’re the type of person who wants the trained guidance that can only be provided by a licensed insurance agent. It is possible to find lower rates online but buy the policy through an agent.

However you get your quotes, double check that you are using the same coverage limits for every quote you compare. If the quotes have different deductibles it will be very difficult to make a fair comparison for your Pontiac Bonneville. Having just a slight variation in coverages may result in large price differences. And when comparison shopping, comparing a large number of companies will improve the odds of getting more affordable rates.

Ads can be misleading

Well-known car insurance companies like Progressive, Geico, Allstate and State Farm endlessly run ads on TV and radio. They all seem to advertise the message that drivers will save a bundle if you move your car insurance coverage to their company. How is it possible that every company can give you a lower rate? It’s all in how they say it.

All the different companies have underwriting criteria for the type of driver that earns them a profit. For example, a preferred risk could be over the age of 50, has never had a policy lapse, and drives a car with an anti-theft system. Anybody that fits those parameters receive the lowest rate quotes as well as save a lot if they switch.

Potential customers who fall outside this stringent profile will see higher prices and this can result in the prospect going elsewhere. If you pay attention, the ads say “drivers that switch” not “everybody who quotes” save money. That is how companies can advertise the savings. Because of these techniques, you really need to compare price quotes frequently. It’s just not possible to know the company that will have the best auto insurance rates.

Drivers can save with with these discounts

Car insurance companies do not list the entire discount list in an easy-to-find place, so we researched some of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy insurance coverage online.

• Low Mileage Discounts – Keeping the miles down on your Pontiac can earn substantially lower prices.
• Bundled Policy Discount – If you can combine your home and auto policy and insure them both with the same insurance company you could save over 10 percent off each policy depending on the company.
• Discounts for Federal Employees – Employees or retirees of the government could provide a small rate reduction for Bonneville coverage depending on your insurance provider.
• Senior Discount – Drivers over the age of 55 are able to get a small decrease in premiums for Bonneville coverage.
• Student in College – Children who are attending college and don’t have a car may qualify for this discount.
• Data Collection Discounts – Insureds that choose to allow data collection to scrutinize driving patterns by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they show good driving skills.
• Theft Deterent – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.

You can save money using discounts, but most credits do not apply to the entire cost. Some only apply to individual premiums such as liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

To find companies who offer free insurance quotes, click here to view.

Your situation helps dictate your coverage

When it comes to choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if your insurance needs might need an agent’s assistance.

• Can my babysitter drive my car?
• Can I make deliveries for my home business?
• Do I need higher collision deductibles?
• Do I need medical payments coverage since I have good health insurance?
• Do I need replacement cost coverage?
• Does my liability insurance cover pulling a trailer or camper?
• How high should my uninsured/underinsured coverage be in my state?
• Are all vehicle passengers covered by medical payments coverage?
• What is roadside assistance coverage?
• Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form.

Coverages available on your insurance policy

Having a good grasp of insurance aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like ambulance fees, pain medications, rehabilitation expenses and funeral costs. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, hitting a bird, theft, a tree branch falling on your vehicle and hail damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability insurance

This can cover damages or injuries you inflict on people or other property. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like legal defense fees, medical expenses, loss of income and bail bonds. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your 1995 Pontiac Bonneville.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Collision protection

This coverage pays for damage to your Bonneville resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a building, sideswiping another vehicle, colliding with a tree, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Shop. Compare. Save.

The cheapest 1995 Pontiac Bonneville insurance can be purchased both online in addition to many insurance agents, so you should compare both to have the best selection. A few companies do not offer the ability to get quotes online and most of the time these smaller companies only sell coverage through independent agents.

Drivers change insurance companies for a variety of reasons including not issuing a premium refund, delays in responding to claim requests, policy non-renewal or even policy cancellation. It doesn’t matter why you want to switch choosing a new company is pretty simple and you could end up saving a buck or two.

Throughout this article, we presented many ways to shop for 1995 Pontiac Bonneville insurance online. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even find the lowest auto insurance rates come from a small mutual company.

For more information, link through to the articles below:

• How to Avoid Staged Accidents (State Farm)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)
• Understanding your Policy (NAIC.org)