Save on 2000 Pontiac Bonneville Car Insurance Cost

Want the cheapest auto insurance rates for your Pontiac Bonneville? Are you tired of sacrificing other expenses to make your auto insurance payment? You are no different than many other drivers.

Drivers have many car insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, it can be more difficult to adequately compare rates.

It’s important to compare premium rates every six months since prices are usually higher with each renewal. Even if you think you had the best rates for Bonneville coverage on your last policy there may be better deals available now. Forget all the misinformation about auto insurance because we’re going to show you the best methods to reduce your cost while increasing coverage.

Save with with these discounts

Auto insurance is not inexpensive, but you may find discounts that many people don’t even know exist. Most are applied when you quote, but some discounts are required to be specially asked for before being credited. If you don’t get every credit you qualify for, you are not getting the best rate possible.

• Low Mileage – Driving fewer miles could earn slightly better premium rates than normal.
• Discount for Passive Restraints – Vehicles equipped with air bags can get savings of more than 20%.
• Responsible Driver Discount – Drivers without accidents could pay up to 40% less for Bonneville coverage compared to accident prone drivers.
• Good Student – Excelling in school can save 20 to 25%. Most companies allow this discount up to age 25.
• Distant Student Discount – Children who are enrolled in a college that is more than 100 miles from home and leave their car at home may qualify for this discount.

You should keep in mind that most discount credits are not given the the whole policy. Most only cut specific coverage prices like comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way.

Popular auto insurance companies and their possible discounts are included below.

• Mercury Insurance includes discounts for type of vehicle, multi-policy, anti-theft, professional/association, good driver, and accident-free.
• Farmers Insurance offers discounts including teen driver, youthful driver, homeowner, business and professional, and multi-car.
• Farm Bureau offers premium reductions for youthful driver, multi-policy, good student, multi-vehicle, safe driver, renewal discount, and 55 and retired.
• State Farm has savings for multiple autos, passive restraint, Drive Safe & Save, student away at school, driver’s education, and accident-free.
• Allstate has discounts for multi-policy, senior citizen, new car, auto/life discount, and FullPay discount.
• Geico may have discounts that include membership and employees, defensive driver, federal employee, multi-vehicle, five-year accident-free, air bags, and emergency military deployment.

When comparing rates, check with each company or agent what discounts are available to you. Some credits might not apply in your state. If you would like to view insurers that offer discounts, follow this link.

Where can I get cheap auto insurance?

Many insurance companies like Geico, State Farm and Progressive allow consumers to get insurance quotes directly from their websites. Getting online rates doesn’t take much effort because you just enter the coverages you want into the form. Behind the scenes, the quote system obtains credit information and your driving record and generates pricing information based on the data you entered. Online price estimates streamlines rate comparisons, but the time required to go to multiple sites and type in the same data gets old quite quickly. But it is imperative to have as many quotes as possible in order to find lower prices.

An easier way to find lower prices uses just one form to return rates from more than one company. It saves time, eliminates form submissions, and makes online quotes much simpler. After sending the form, your coverage is rated and you can choose your choice of the price quotes you receive. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. This process just takes a couple of minutes and you’ll know if lower rates are available.

If you want to get comparison pricing now, click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you replicate your coverages identical to your current policy. This helps ensure you’re receiving rate comparison quotes for exact coverage.

Your situation helps dictate your coverage

When choosing the best auto insurance coverage for your vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions may help highlight if you would benefit from an agent’s advice.

• Is motorclub coverage worth it?
• What is PIP insurance?
• Do I pay less if my vehicle is kept in my garage?
• When should I drop full coverage on my 2000 Pontiac Bonneville?
• When should I buy a commercial auto policy?
• What should my uninsured motorist coverage limits be in my state?
• Do I have newly-aquired coverage?
• Why is insurance for a teen driver so high?
• Do I get a pro-rated refund if I cancel my policy early?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area.

The coverage is in the details

Having a good grasp of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are the usual coverages found on most insurance policies.

Collision coverage

Collision insurance covers damage to your Bonneville from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as colliding with another moving vehicle, sustaining damage from a pot hole, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like surgery, nursing services and prosthetic devices. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as theft, a tree branch falling on your vehicle and vandalism. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Pontiac Bonneville.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Liability

This can cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like court costs, pain and suffering, medical expenses, legal defense fees and bail bonds. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Best coverage at the best price

When buying insurance coverage, it’s not a good idea to skimp on coverage in order to save money. There are many occasions where consumers will sacrifice physical damage coverage to discover at claim time that they should have had better coverage. Your goal should be to purchase plenty of coverage at the best cost, but don’t skip important coverages to save money.

Throughout this article, we presented some good ideas how to lower your 2000 Pontiac Bonneville insurance car insurance rates. The most important thing to understand is the more providers you compare, the better likelihood of getting the cheapest insurance. You may even discover the lowest car insurance rates come from a smaller regional carrier. These smaller insurers may only write in your state and offer lower premium rates as compared to the big name companies such as State Farm, Geico and Nationwide.

There are still a few companies who don’t offer online price quotes regional carriers sell through local independent agencies. Cost effective 2000 Pontiac Bonneville insurance is possible on the web in addition to many insurance agents, so you should compare both in order to have the best chance of saving money.

Additional information is available at these links:

• Help Your Teen Be a Better Driver (State Farm)
• Tools for Teen Driving Safety (State Farm)
• All About Airbag Safety (State Farm)
• Safety Features for Your New Car (State Farm)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)