1999 Pontiac Bonneville Car Insurance Rates – 8 Tips to Save

If online insurance coverage comparisons are new to you, you can easily be baffled by the confusing number insurance agents and companies competing for your business.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. This article will instruct you on how to effectively get price quotes and some money-saving tips. Nevertheless, vehicle owners can benefit from knowing how big insurance companies sell insurance online and use this information to your advantage.

The quickest method to compare rates is to know the fact most insurance companies will pay a fee to provide you with free rate quotes. All consumers are required to do is give the companies some data like if you’re married, any included safety features, the type of vehicles you drive, and whether the vehicles are used for commuting. That rating data is then sent to multiple companies and you should receive rate quotes very quickly.

To start a quote now, click here and find out if you can get cheaper insurance.

Tricks in insurance advertising

Popular insurance providers such as Allstate, Geico and Progressive seem to constantly run ads on television and other media. They all seem to say the same thing about how much you will save after switching your policy. How does each company charge lower premium rates? It’s all in how they say it.

All companies provide the lowest rates for the type of driver that will most likely be profitable. For instance, this type of driver may be between the ages of 30 and 50, has a low-risk occupation, and drives a vehicle with a low ISO rating. Anyone who fits that profile will get very good prices and therefore will save money with a new company.

Potential customers who fall short of those standards will have to pay higher premiums and this can result in the customer buying from a different company. If you listen to the ad wording, they say “people that switch” but not “everyone who gets a quote” save that much money. This is how companies can lure you into getting a quote. This illustrates why you absolutely need to compare rate quotes every year. It’s not possible to predict which insurance company will have the lowest premium rates for your situation.

Earn discounts on insurance

Insurance is neither fun to buy or cheap, but you might find some hidden discounts that can drop the cost substantially. Some discounts apply automatically at the time of quoting, but a few must be inquired about in order for you to get them.

• Drive Less and Save – Driving fewer miles could earn lower prices due to less chance of an accident.
• Early Signing – A few insurance companies offer discounts for switching to them prior to the expiration date on your current policy. Ten percent is about the average savings.
• Anti-theft System – Cars that have factory anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
• Air Bag Discount – Vehicles equipped with air bags may get savings as much as 30%.
• Paperwork-free – Certain companies will provide an incentive for signing up on the internet.
• Multiple Policy Discount – If you can bundle your home and auto insurance and insure them both with the same insurance company you could get a discount of as much as 10 to 15 percent.
• Good Driver Discount – Safe drivers can save as much as half off their rates on Bonneville coverage than less cautious drivers.
• Discount for Life Insurance – Larger insurance carriers have lower rates if you buy life insurance from them.

A little disclaimer on discounts, most discount credits are not given to the entire cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Some of the larger companies that may have many of the previously listed discounts include:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

When getting a coverage quote, ask all companies you are considering to give you their best rates. Depending on the company, some discounts may not be available everywhere.

Tailor your auto insurance coverage to you

When it comes to choosing coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For instance, these questions might help in determining whether your personal situation would benefit from professional advice.

• Is my 1999 Pontiac Bonneville covered for flood damage?
• Is my babysitter covered when using my vehicle?
• Is there coverage for injuries to my pets?
• Will I lose any money if I cancel my policy before it expires?
• Why is insurance for a teen driver so high?
• Are my friends covered when driving my car?
• Can I rate high risk drivers on liability-only vehicles?
• When would I need additional glass coverage?
• Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Specific coverages for a 1999 Pontiac Bonneville

Knowing the specifics of a auto insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability coverages

Liability coverage provides protection from damage that occurs to people or other property. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

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

Liability can pay for things like attorney fees, bail bonds and loss of income. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Comprehensive coverages

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, hitting a deer, damage from getting keyed, damage from flooding and theft. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your 1999 Pontiac Bonneville.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage kick in for immediate expenses for doctor visits, dental work, EMT expenses, nursing services and hospital visits. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

This coverage pays for damage to your Bonneville resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a parking meter, damaging your car on a curb, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

At the end of the day…

Consumers leave their current company for a number of reasons such as extreme rates for teen drivers, denial of a claim, not issuing a premium refund or unfair underwriting practices. It doesn’t matter why you want to switch switching companies is less work than it seems.

Cheap 1999 Pontiac Bonneville insurance can be found from both online companies and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. Some companies may not provide the ability to get a quote online and most of the time these small insurance companies only sell through local independent agencies.

When buying insurance coverage, never skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced collision coverage only to find out that they should have had better coverage. The goal is to buy a smart amount of coverage at the lowest possible cost, not the least amount of coverage.

To learn more, feel free to browse the following helpful articles:

• Winter Driving (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Car Insurance FAQ (Trusted Choice)