Save on 2004 Pontiac Bonneville Insurance Rates

Searching for the cheapest car insurance rates for your Pontiac Bonneville? Are you burned out from trying to scrape together enough money to keep your car insured? Your situation is no different than the majority of other people. Many auto insurance companies compete for your insurance dollar, so it’s not easy to compare every insurer to find the absolute lowest cost out there.

Compare quotes for insurance coverage

Getting a more affordable price on 2004 Pontiac Bonneville insurance can be relatively painless. The only thing you need to do is take a few minutes to compare rate quotes provided by online insurance companies. This can easily be done in a couple of different ways.

The simplest way to get quotes for comparison is a comparison rater form click here to open form in new window. This style of form prevents you from having to do separate quotes to each individual insurance coverage company. Filling out one form gets coverage cost estimates from all major companies.

Another way to find more affordable insurance requires visiting the website of each company to complete a price quote. For instance, let’s say you want to compare rates from Progressive, Liberty Mutual and GMAC. You would be required to navigate to each company’s site and enter your information, which can take a lot of time. To view a list of companies in your area, click here.

Whichever way you choose to compare rates, try to use nearly identical quote data with every price quote. If your comparisons have different deductibles it will be impossible to determine which company has the best rates.

Special considerations

When it comes to buying the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that. For example, these questions can help discover if your situation would benefit from an agent’s advice.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Are my tools covered if they get stolen from my vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • How do I file an SR-22 for a DUI in my state?
  • What is the minimum liability in my state?
  • Should I have a commercial auto policy?
  • Should I bundle my homeowners policy with my auto?
  • Does my car insurance cover rental cars?
  • Am I getting all the discounts available?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Insurance policy specifics

Understanding the coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on most insurance policies.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as falling objects, hitting a bird, rock chips in glass, a tree branch falling on your vehicle and damage from getting keyed. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

Collision coverage will pay to fix damage to your Bonneville resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like scraping a guard rail, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Pontiac Bonneville.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like nursing services, doctor visits and funeral costs. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Auto liability

This coverage protects you from damage or injury you incur to other’s property or people. This coverage protects you from legal claims by others. It does not cover 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. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims like court costs, structural damage, repair costs for stationary objects and legal defense fees. How much coverage you buy is your choice, but buy higher limits if possible.

Comments About 2004 Pontiac Bonneville Insurance

  1. Edie Wood

    Does Progressive have low rates for teen drivers?

  2. Rhoda Evans

    If you don’t have tickets and live in the vicinity of Detroit, MI, check out State Farm. You might get cheaper rates. It’s still not cheap enough.

  3. Jae Nichols

    What is Underinsured Motorist coverage?

  4. Ferdinand Diaz

    If you don’t have tickets and live around Charleston, WV, check out 21st Century. You might save some money. Left USAA to switch. Have a couple speeding tickets too. I just quoted rates online. Book value doesn’t justify full coverage anymore.

  5. Lan Clarke

    Well-written and thought out article. I’m in the north part of Henderson, NV. Quoted rates from Western Auto Insurance, Amica, The General, and Nationwide for my 2004 Pontiac Bonneville and saved just over $60 a year. Insured with Esurance before. Teenage drivers are expensive! Can still barely afford it. I don’t have comp or collision coverage.

  6. Elene Sandoval

    Live in the western part of Bangor, ME. Got rates from Amica, MetLife, and USAA for my 2004 Pontiac Bonneville and I’m now saving $15 a month.

  7. Selena Hood

    I’m in the north part of Tulsa, OK. I compared lots of rates. Saved right around $20 a month. Allstate was the most affordable for me. Was with Eastwood.