Lower Your 2003 Pontiac Bonneville Car Insurance Rates

Want lower insurance coverage rates for your Pontiac Bonneville? Trying to find low-cost insurance for your Pontiac Bonneville can normally be difficult, but you can learn the following methods to save time.

There are both good and bad ways to compare insurance coverage rates and you need to know the best way to compare rates on a Pontiac and find the lowest price either online or from local insurance agents.

If you have a current auto insurance policy or are just looking to switch companies, you can use these techniques to get lower rates while maximizing coverage. Pricing the cheapest protection is not that difficult. Drivers just need to learn the proper way to compare company rates online.

Compare auto insurance rates

Finding a better price on auto insurance is actually quite simple. All that’s required is to invest a little time to get quotes to see which company has cheap car insurance quotes. This can be accomplished using a couple different methods.

1. The easiest and least time consuming way to find low rates would be an industry-wide quote request form click here to open form in new window. This quick form prevents you from having to do separate quotes for every auto insurance company. Filling out one form gets prices estimates from multiple low-cost companies. Just one form and you’re done.
2. A more difficult way to find better pricing consists of going to each company’s website and complete a new quote form. For sake of this example, we’ll assume you want to compare rates from USAA, Progressive and Travelers. You would have to go to each individual site to enter your coverage information, which is not fast way to get rate quotes. For a list of companies in your area, click here.

It’s up to you which method you use, but be sure you’re using exactly the same quote information for every company. If you are comparing differing limits then you won’t be able to determine which rate is truly the best.

The insurance bait and switch

Consumers get pounded daily by advertisements that claim the lowest rates by companies like 21st Century, Allstate and State Farm. They all seem to try to convey promises about saving some big amount just by switching your insurance policy to them.

Is it even possible that every company can have lower policy pricing? You have to listen carefully.

Insurance providers give the cheapest rates for the type of driver that will most likely be profitable. For example, a preferred risk should be married and over the age of 30, has a low-risk occupation, and the vehicle is rated for pleasure use. A customer getting a price quote who meets those qualifications will qualify for the lowest car insurance rates and most likely will cut their rates substantially.

People who cannot meet those criteria may be required to pay higher premiums which results in the customer buying from someone else. If you listen closely, the ads state “customers that switch” not “everybody who quotes” save the amount stated. This is how insurance companies can confidently make the claims of big savings.

This emphasizes why you really should get a wide range of price quotes. It is impossible to predict the company that will provide the lowest prices.

How you can control Pontiac Bonneville insurance rates

It’s important that you understand some of the elements that help calculate your insurance rates. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that will entitle you to lower rates.

The itemized list below are a few of the things used by your company to calculate your premiums.

• Increase deductibles and save – Physical damage insurance, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Examples of some claims that would be covered could be a windshield shattered by a rock, vandalism, and rolling your vehicle. Physical damage deductibles tell how much you are required to pay if you file a covered claim. The more you choose to pay out-of-pocket, the lower your rates will be for Bonneville insurance.
• Save money by eliminating extra policy coverages – Insurance companies have many additional coverages that you can get tricked into buying if you aren’t careful. Insurance for things like rental car reimbursement, towing, and additional equipment coverage are some examples. You may think they are a good idea when you first buy your policy, but if they’re wasting money think about removing them and cutting costs.
• Lower stress equals lower premiums – Did you know that where you work can have an impact on rates? Occupations like lawyers, executives and dentists tend to pay higher average rates because of intense work requirements and long work hours. Other jobs like farmers, athletes and performers pay the least for Bonneville insurance.
• Driving citations mean higher rates – Having a single speeding ticket can boost insurance rates to the point where it’s not affordable. Good drivers have lower premiums than their less careful counterparts. Drivers with dangerous citations such as hit and run, DWI or reckless driving convictions may find they need to maintain a SR-22 with the DMV in their state in order to keep their license.

Cheaper car insurance rates with discounts

Insurance can be prohibitively expensive, but there could be available discounts that can drop the cost substantially. Many of these discounts will be applied automatically at the time of quoting, but some need to be specially asked for prior to getting the savings.

• Discount for Swiching Early – A few insurance companies offer discounts for renewing your policy before your current coverage expires. It’s a savings of about 10%.
• Discounts for Good Drivers – Drivers who avoid accidents may receive a discount up to 45% for Bonneville insurance than drivers with accidents.
• Buy New and Save – Buying a new car instead of a used car may earn a small discount because new model year vehicles keep occupants safer.
• Organization Discounts – Affiliation with qualifying employment or professional organizations may earn a discount on your next car insurance statement.
• Anti-lock Brake System – Anti-lock brake equipped vehicles are much safer to drive and therefore earn up to a 10% discount.
• Lower Rates for Military – Having a family member in the military may lower your prices slightly.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
• Life Insurance – Some insurance companies give a lower rate if you buy a life policy as well.

While discounts sound great, it’s important to understand that most credits do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way.

To see a list of companies with the best discounts, click here to view.

Tailor your auto insurance coverage to you

When buying coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover whether or not you could use an agent’s help.

• Do I have any recourse if my insurance company denies a claim?
• What happens if I owe more than my 2003 Pontiac Bonneville is worth?
• Is rental equipment covered for theft or damage?
• Do all my vehicles need collision coverage?
• What is UM/UIM insurance?
• Do I pay less for low miles?
• Should I buy only the required minimum liability coverage?
• How many claims can I have before being cancelled?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Insurance policy specifics

Understanding the coverages of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

UM/UIM Coverage – Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Pontiac Bonneville.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for expenses such as hospital visits, X-ray expenses and pain medications. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from 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 such as a broken windshield, damage from getting keyed, a tree branch falling on your vehicle and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverage – Liability insurance protects you from injuries or damage you cause to people or other property that is your fault. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as repair bills for other people’s vehicles, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage – Collision coverage covers damage to your Bonneville resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a mailbox, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Save your hard earned cash

Drivers leave their current company for a number of reasons such as being labeled a high risk driver, policy cancellation, policy non-renewal and even high rates after DUI convictions. Whatever your reason, switching companies can be less work than you think.

When shopping online for car insurance, never sacrifice coverage to reduce premiums. Too many times, someone dropped full coverage only to regret they didn’t purchase enough coverage. The goal is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

In this article, we presented a lot of tips how to reduce 2003 Pontiac Bonneville insurance auto insurance rates online. The key thing to remember is the more you quote car insurance, the better your comparison will be. Drivers may discover the lowest auto insurance rates are with a company that doesn’t do a lot of advertising.

For more information, take a look at the following helpful articles:

• Auto Insurance FAQ (Farmers Insurance)
• Red Light Cameras (State Farm)
• Teen Driver Licensing Information (iihs.org)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)