Compare 2003 Pontiac Montana Insurance Quotes

Having to pay for expensive auto insurance can bleed your checking account and force you to make sacrifices. Comparing rates annually is an excellent way to reduce premiums and put more money in your pocket.

Many insurers compete for your hard-earned dollar, so it can be very hard to choose a insurance company and uncover the absolute best price available.

Cheaper auto insurance rates with discounts

Some insurance providers don’t always advertise every discount in a way that’s easy to find, so the list below gives a summary of some of the best known as well as the least known savings tricks you should be using when you buy auto insurance online.

  • More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company can get a discount on all vehicles.
  • Buy New and Save – Insuring a vehicle that is new can get you a discount because new model year vehicles keep occupants safer.
  • Good Student Discount – This discount can earn a discount of 20% or more. Many companies even apply the discount to college students up to age 25.
  • One Accident Forgiven – but companies like State Farm and Allstate may permit one accident before hitting you with a surcharge so long as you are claim-free for a specific time period.
  • Switch and Save Discount – Some companies reward drivers for switching companies before your current policy expires. You could save around 10% when you buy auto insurance online.
  • Policy Bundle Discount – If you combine your auto and home policies with the same insurance company you could save over 10 percent off each policy depending on the company.
  • Professional Memberships – Belonging to a professional or civic organization can get you a small discount on your bill.
  • Early Payment Discounts – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle up before driving can save a little on the premium charged for medical payments and/or PIP.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are less likely to be stolen and will save you 10% or more.

Drivers should understand that most discount credits are not given the the whole policy. Most only cut the price of certain insurance coverages like comp or med pay. Even though the math looks like it’s possible to get free car insurance, it’s just not the way it works.

For a list of companies that offer some of these discounts, follow this link.

Shop insurance online

All major insurance companies provide coverage prices online. Comparing rates online is very simple because it’s just a matter of typing in the coverages you want into the quote form. Upon sending the form, the system orders information on your driving record and credit history and gives you a price quote based on these factors. Online price quotes makes comparing rates easy, but the process of having to visit each company’s website and repetitively type in the same data is monotonous and tiresome. Unfortunately, it is important to compare as many rates as possible if you want to find the best price possible.

Isn’t there an easier way to compare rates?

A more efficient way to find cheaper rates makes use of a single form that gets prices from several different companies. It saves time, eliminates form submissions, and makes comparison shopping much easier. As soon as the form is sent, it is quoted with multiple companies and you can pick your choice of the price quotes you receive. If you find a better price it’s easy to complete the application and buy the policy. The whole process just takes a couple of minutes and you will know how your current rates stack up.

To compare pricing, simply click here to open in new window and fill out the form. If you have a policy now, it’s recommended that you enter coverages and limits identical to your current policy. Doing this assures you are getting a fair comparison based on identical coverages.

Tailor your car insurance coverage to you

When buying the best car insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions can aid in determining if you might need an agent’s assistance.

  • Can I rent a car in Mexico?
  • Do I need more liability coverage?
  • Am I covered when pulling a rental trailer?
  • What is medical payments coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • When should I buy a commercial auto policy?
  • Does having multiple vehicles earn me a discount?
  • Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Insurance policy coverages for a Pontiac Montana

Understanding the coverages of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages available from insurance companies.

Collision insurance

This covers damage to your Montana resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a building, backing into a parked car and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from getting keyed, a tree branch falling on your vehicle, hitting a deer and fire damage. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical expense insurance

Med pay and PIP coverage reimburse you for expenses for things like chiropractic care, pain medications, funeral costs, hospital visits and rehabilitation expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance

Liability coverage will cover damages or injuries you inflict on other people or property. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for things such as repair bills for other people’s vehicles, medical services, emergency aid, pain and suffering and court costs. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Knowledge is power

When buying insurance coverage, do not reduce coverage to reduce premium. There have been many cases where an insured cut collision coverage to discover at claim time that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage at the best cost while still protecting your assets.

More affordable auto insurance is available both online and from local agencies, and you should be comparing both in order to have the best chance of saving money. A few companies do not provide online quoting and most of the time these small insurance companies only sell coverage through local independent agents.

Even more information can be found in these articles:

Comments About 2003 Pontiac Montana Insurance

  1. Nereida Frye

    Affordable car insurance is a myth. I live just to the west of Davenport, IA. I got free quotes from 21st Century, Hanover, and Erie for my 2003 Pontiac Montana and saved $64 a year. God forbid I actually have a claim.

  2. Rufina England

    Quoted with Travelers for my Pontiac and saved about $80 a year. Are quotes cheaper online?

  3. Elias Weiss

    Nice info. I live just outside Reno, NV. Got quotes from GEICO, Eastwood, and The General for my 2003 Pontiac Montana and cut my rates about $80 a year. I have a couple other vehicles on the policy. Wish I didn’t have to insure at all.

  4. Claudio Zamora

    Will Allstate be cheaper if I raise deductibles?

  5. Edgar Baxter

    What is UM/UIM coverage?

  6. Tarsha Vaughn

    I found pretty cheap rate quotes for a 2003 Pontiac Montana in Albuquerque, NM. Ended up at roughly $90 every six months with Amica. Hopefully won’t need it. Full coverage costs too much.

  7. Thora Irwin

    I got quite a few price quotes for a 2003 Pontiac Montana in Cedar Rapids, Iowa. Ended up at right around $90 every six months with Amica. Was with Auto-Owners. I used their online quote form to compare rates.

  8. Kimberli Schroeder

    Anyone try to read their policy?

  9. Chelsey Downs

    Too expensive. I ride a bike.

  10. Shonda Thompson

    Can you buy custom paint coverage for a 2003 Pontiac Montana?

  11. Kandy Parker

    I’m just west of Evansville, IN. Checked online prices for a 2003 Pontiac Montana. Ended up at about $70 savings annually. Went with 21st Century. Insured with Mercury before. Just liability coverage since it’s getting old.

  12. Enrique Wolfe

    If you’re a decent driver and live in the vicinity of Bangor, ME, check out GEICO. They seem to be cheaper. I don’t put full coverage on it.

  13. Tawanda Boyle

    If you’re a decent driver and live near Gaithersburg, MD, check out GEICO. They seem to be cheaper. Not sure if rates are cheaper online or not.

  14. Alexandra Delaney

    It all costs too much. From a town just southwest of Memphis, TN. Got car insurance quotes from 21st Century, Erie, and Hartford for my Pontiac and I think I saved about $20 each month. They have a lot of discounts available. Can still barely afford it. Not worth enough to pay for comprehensive and collision.

  15. Novella Nieves

    Corporate greed I’m telling you. From south side of Pittsburgh, Pennsylvania. I got free quotes with American Family, MetLife, and Travelers for my Pontiac and I’m now saving $20 a month. It’s only liability tho.

  16. Pauletta Morales

    I’m from Jacksonville, FL. I quoted with Allstate, Hanover, and Esurance for my Montana and I’m now saving $11 a month. I’m a pretty low risk driver.

  17. Malka Boyle

    Anyone buy from AIG Insurance? I’m in Milwaukee, WI.

  18. Celestina Hyde

    It all costs too much. Lifelong resident of New Haven, Connecticut. Got car insurance quotes from 21st Century, AIG Insurance, Encompass, and Liberty Mutual for my Montana and saved $71 a year. Book value doesn’t justify full coverage anymore.