Trying to find better insurance prices for a Pontiac Bonneville could be a lot of work, but you can learn these tips to make it easier.
There are more efficient ways to find car insurance online and you need to know the quickest way to get price quotes for a Pontiac and get the lowest possible price from both online companies and local agents.
Performing a rate comparison can be a daunting task if you aren’t aware of the most efficient way. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you can stay home and use the internet to get prices fast.
Most major companies enroll in a system that enables customers to enter their coverage request one time, and each participating company can give them a price based on that data. This eliminates the need for quote forms for every insurance coverage company. To compare rates now click here to open in new window.
The one downside to getting quotes like this is that consumers can’t choose which insurance companies to get pricing from. If you would rather choose specific providers to compare rates, we have a page of companies who write insurance coverage in your area. Click here to view list.
Whichever way you choose to compare rates, be certain you are entering equivalent coverage data for each comparison quote. If each company quotes differing limits it will be very difficult to determine the lowest rate for your Pontiac Bonneville.
Auto insurance companies don’t list their entire list of discounts very well, so we took the time to find some of the best known and also the more inconspicuous credits available to you. If they aren’t giving you every credit possible, you are not getting the best rate possible.
Remember that most credits do not apply the the whole policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, nobody gets a free ride. But all discounts will positively reduce your overall bill.
For a list of insurers offering insurance coverage discounts, click here.
When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Every situation is different.
For example, these questions may help you determine if you might need professional guidance.
If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and you can get the answers you need.
Knowing the specifics of auto insurance can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.
UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.
Collision coverage – Collision insurance covers damage to your Bonneville resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like hitting a mailbox, crashing into a building, scraping a guard rail, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.
Coverage for liability – Liability coverage protects you from damage or injury you incur to a person or their property. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage pays for things like medical services, loss of income and attorney fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.
Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for dental work, surgery, ambulance fees, doctor visits and funeral costs. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage
Comprehensive or Other Than Collision – This pays for 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 coverage pays for things like hail damage, a tree branch falling on your vehicle, vandalism and rock chips in glass. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Luana Briggs
From northwest of New Orleans, Louisiana. Quoted with GEICO, American Family, and some I forget for my Bonneville and saved just over $90 a year. Highly recommended.
Ilana Wilder
Proud to be from Burlington, VT. Quoted with 21st Century, Amica, Encompass, and Hartford for my Bonneville and cut my rates about $100 a year. I have a couple other vehicles on the policy.
Carlita Fields
I’ve had GEICO for years. I’m in Bangor, ME.
Erika Murray
If you’re a decent driver and are close to Jacksonville, FL, check out 21st Century. They seem to be cheaper. Even increased my liability limits. Highly recommended. I dropped full coverage awhile back.
Hershel Phelps
I live just to the west of Las Cruces, NM. Received rates from The General, Amica, Safeco, and a couple others for my Pontiac and saved just over $100 a year. Even increased my liability limits.
Garry Shepard
I’m in Portland, ME and need high risk coverage. Help!
Judith Walls
Will GEICO give a discount for driver training?
Laurice Gould
I’m in San Antonio, Texas. Quoted prices online for a 2001 Pontiac Bonneville. Ended up at about $110 savings annually. Went with State Farm. Ask about discounts. Get lots of quotes to find the best rate. I don’t have comp or collision coverage.
Coralee Alvarado
Quoted with Auto-Owners for my Pontiac and cut my rates about $60 a year. A clean driving record helps. Hardly afford to drive anymore.
Cristal Richardson
Thought I’d throw in my experience. I’m from Saint Louis, MO. I quoted with GEICO, AAA, and Farmers for my Bonneville and saved $109 a year. I just carry liability insurance.