How Much Does 1999 Pontiac Montana Insurance Cost?

Are you kicking yourself for buying an overpriced auto insurance policy? You’re in good company because you are not the only one feeling buyer’s remorse. Companies like Progressive, State Farm and Geico promote their brand names with catchy ads and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.

It’s important to get comparison quotes occasionally because prices are constantly changing. Despite the fact that you may have had the best rate for Montana insurance last year other companies may now be cheaper. There is too much inaccurate information about auto insurance on the internet, but we’re going to give you a bunch of ideas how to stop overpaying for insurance.

If you have a policy now or need new coverage, you can follow these tips to shop for the lowest rates while maximizing coverage. Choosing the best insurance company for you is not that difficult. Drivers just need to understand the proper way to compare prices online.

The quickest method to compare car insurance company rates is to know the trick most of the larger companies allow for online access to provide you with free rate quotes. To get started, all you need to do is provide details such as the type of vehicles you drive, your general credit rating, how much coverage you want, and if you went to college. That information is automatically sent to multiple top-rated companies and you will receive price estimates quickly.

To find the cheapest 1999 Pontiac Montana insurance rates, click here and complete the quick form.

Save a ton by getting discounts

Auto insurance companies do not list every available discount very clearly, so the list below contains a few of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance coverage online.

• Low Mileage – Driving fewer miles could be rewarded with slightly better premium rates than normal.
• Federal Employees – Active or former government employment could provide a small rate reduction for Montana insurance with some insurance companies.
• Multi-line Discount – Larger insurance carriers have a discounted premium rate on car insurance if you buy life insurance from them.
• ABS Brakes – Cars and trucks equipped with ABS or steering control can avoid accidents and will save you 10% or more.
• Memberships – Joining qualifying clubs or civic groups could trigger savings on your policy.
• Seat Belts Save more than Lives – Forcing all vehicle occupants to use their safety belts can save 10% or more off the medical payments premium.
• Discount for Home Ownership – Being a homeowner can get you a discount because of the fact that having a home shows financial diligence.
• Student Driver Training – Have your child successfully complete driver’s ed class if it’s offered in school.

One last thing about discounts, some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, that’s just not realistic.

Popular insurance companies and some of their more popular discounts are shown below.

• American Family discounts include good student, accident-free, multi-vehicle, TimeAway discount, bundled insurance, and defensive driver.
• Nationwide policyholders can earn discounts including accident-free, easy pay, business or organization, defensive driving, anti-theft, family plan, and multi-policy.
• MetLife includes discounts for good student, accident-free, defensive driver, good driver, multi-policy, claim-free
• 21st Century has discounts for automatic seat belts, early bird, driver training, good student, and anti-lock brakes.
• Farmers Insurance offers premium reductions for multi-car, electronic funds transfer, homeowner, bundle discounts, distant student, business and professional, and good student.
• Allstate offers discounts for multi-policy, safe driver, teenSMART discount, resident student, and FullPay discount.

When quoting, ask each insurance company how you can save money. Some discounts may not be offered in your area.

Your insurance coverage coverage should be tailored to you

When buying the right insurance coverage, there really is no one size fits all plan. Each situation is unique so this has to be addressed. For instance, these questions might point out whether your personal situation would benefit from professional advice.

• Who is covered by my policy?
• What if I don’t agree with a claim settlement offer?
• Am I getting all the discounts available?
• Can I afford low physical damage deductibles?
• Are rental cars covered under my policy?
• Do I need roadside assistance coverage?
• Does insurance cover tools stolen from my truck?
• I have health insurance so do I need medical payments coverage?
• What is the difference between comprehensive and collision coverage?
• I don’t drive much so do I pay less?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Specific coverage details

Understanding the coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types offered by car insurance companies.

Liability insurance

This coverage will cover damage that occurs to a person or their property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as court costs, attorney fees, structural damage, repair costs for stationary objects and legal defense fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision insurance

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

Collision coverage pays for things like rolling your car, crashing into a building, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as theft, vandalism, hitting a bird, a broken windshield and damage from flooding. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for nursing services, surgery, chiropractic care and ambulance fees. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Have the Midas touch

We just showed you many ways to reduce 1999 Pontiac Montana insurance auto insurance rates online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the best auto insurance rates are with a small mutual company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.

The cheapest 1999 Pontiac Montana insurance is possible both online as well as from independent agents, and you need to price shop both to have the best selection. Some companies do not provide rate quotes online and these small insurance companies only sell through local independent agents.

Helpful resources

• Insuring a Leased Car (Insurance Information Insitute)
• (MontanaCarInsurancePros.com)
• Distracted Driving Extends Beyond Texting (State Farm)
• Side Impact Crash Tests (iihs.org)
• Bodily Injury Coverage (Liberty Mutual)