Compare 2006 Pontiac Montana SV6 Insurance Quotes

Trying to find the cheapest insurance coverage rates for your Pontiac Montana SV6? Are you irritated from wondering where the money will come from each month for insurance coverage? You are in the same boat as millions of other consumers.

There is such a variety of car insurance companies to pick from, and although it’s a good thing to be able to choose, more options can take longer to find the best rates for your vehicles.

Pricing affordable protection can be fairly easy. Essentially anyone who is required by state law to have insurance coverage will be able to cut their insurance bill. Although consumers must learn the way companies price online insurance and take advantage of how the system works.

Cut insurance costs with these tips

One of the most helpful ways to save on insurance coverage is to to have a grasp of the factors that are used to determine the rates you pay for insurance coverage. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that could result in much lower annual insurance costs.

• Use credit responsibly and save – Credit score is likely to be a major factor in your rate calculation. If your credit is not that good, you may save money insuring your 2006 Pontiac Montana SV6 if you clean up your credit. Drivers with high credit scores tend to file fewer claims than drivers who have lower ratings.
• Getting married is a bonus – Having a wife or husband may cut your premiums when shopping for insurance coverage. Marriage is viewed as being more stable financially and statistics show drivers who are married file infrequent claims.
• Do you need those add-on coverages? – There are quite a few add-on coverages that you can get tricked into buying if you don’t pay attention. Coverages like personal injury protection, towing, and extra life insurance coverage may not be needed and are just wasting money. You may think they are a good idea at first, but if they’re wasting money think about removing them and cutting costs.
• Do you have a demanding job? – Did you know your career choice can influence rates? Jobs like military personnelairline pilots and miners tend to pay higher average rates because of intense work-related stress and incredibly demanding work hours. On the flip side, occupations such as professors, athletes and the unemployed receive lower rates on Montana SV6 insurance.
• Where do you drive? – The more you drive your Pontiac annually the more it will cost to insure it. Almost all companies charge rates based on how the vehicle is used. Autos that sit idle most of the time get more affordable rates than vehicles that are driven to work every day. Ask your agent if your insurance coverage policy is showing the correct driver usage. Having the wrong rating on your Montana SV6 is just wasting money.
• Limits of liability – Liability insurance will provide protection when a jury decides you are liable for damages caused by your negligence. Liability provides you with a defense in court up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
• Combine home and auto and save – Most major insurers allow discounts to clients that purchase more than one policy in the form of a multi-policy discount. This can amount to 10 percent or more. Even with this discount applied, drivers will still want to compare rates to guarantee you are still saving the most.

More affordable rates by receiving discounts

Insurance is expensive, but you can get discounts that you may not even know about. Certain discounts will be applied at quote time, but occassionally some discounts must be specifically requested before being credited.

• Theft Prevention System – Vehicles equipped with tracking devices and advanced anti-theft systems can help prevent theft so companies will give you a small discount.
• Multiple Policy Discount – When you have multiple policies with the same insurance company you will save nearly 15% which can help you find affordable auto insurance.
• Discounts for Government Workers – Employees or retirees of the government can save as much as 8% on Montana SV6 insurance with some insurance companies.
• ABS Brakes – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.
• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 15% off the PIP or medical payment premium.
• Passive Restraints and Air Bags – Factory air bags or automatic seat belts may earn rate discounts as much as 30%.
• Discount for Swiching Early – A few insurance companies allow discounts for renewing your policy before your current expiration date. This discount can save up to 10%.
• Accident Free – Good drivers with no accidents can earn big discounts when compared with policyholders that have many claims.

One thing to note about discounts is that most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you could get a free insurance policy, it doesn’t quite work that way.

A list of companies and some of the premium reductions they offer are:

• 21st Century may include discounts for 55 and older, good student, teen driver, student driver, and automatic seat belts.
• Progressive may have discounts that include multi-policy, good student, online quote discount, homeowner, continuous coverage, and multi-vehicle.
• State Farm offers discounts for Drive Safe & Save, multiple policy, good driver, multiple autos, anti-theft, safe vehicle, and Steer Clear safe driver discount.
• Nationwide discounts include Farm Bureau membership, good student, anti-theft, business or organization, and family plan.
• Esurance includes discounts for anti-theft, safety device, defensive driver, DriveSense, paid-in-full, online shopper, and claim free.
• The Hartford offers premium reductions for vehicle fuel type, air bag, defensive driver, anti-theft, bundle, and good student.

Before purchasing a policy, check with every company which discounts you qualify for. A few discounts might not be available to policyholders everywhere. For a list of insurance companies that offer many of these discounts, click this link.

Save $388 a year? Really?

Companies like 21st Century, Allstate and State Farm regularly use television, radio, and online ads. All the companies convey the message that drivers can save some big amount if you just switch your coverage to them. How do they all lower your rates? This is how they do it.

Different companies can use profiling for the type of driver that will generate a profit. One example of this type of insured might have to be between the ages of 30 and 50, owns their home, and drives a lower-performance vehicle. A driver that hits that “sweet spot” receives the best rates and as a result will probably save a lot of money.

Potential insureds who cannot meet these criteria may receive higher premiums which usually ends up with the customer not buying. The ad wording is “drivers that switch” not “everybody who quotes” save money. That’s why insurance companies can confidently make it sound like they have such great car insurance rates.

Different companies use different criteria so you absolutely need to compare rate quotes every year. It’s just too difficult to predict which auto insurance company will provide the lowest rates.

Your insurance coverage coverage should be tailored to you

When buying the best insurance coverage coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that could help you determine if your situation would benefit from an agent’s advice.

• When should I buy a commercial auto policy?
• Should I waive the damage coverage when renting a car?
• Is my business laptop covered if it gets stolen from my vehicle?
• Do I pay less for low miles?
• Where can I find high-risk insurance?
• Should I get collision insurance on every vehicle?
• Should I buy more coverage than the required minimum liability coverage?
• Exactly who is provided coverage by my policy?
• Does my 2006 Pontiac Montana SV6 qualify for pleasure use?
• Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Coverages available on your auto insurance policy

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are the normal coverages available from auto insurance companies.

Coverage for collisions

This coverage will pay to fix damage to your Montana SV6 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a building, backing into a parked car, sideswiping another vehicle, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like falling objects, hitting a bird, vandalism, hail damage and hitting a deer. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like pain medications, funeral costs, prosthetic devices, surgery and chiropractic care. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Pontiac Montana SV6.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Liability auto insurance

Liability coverage can cover damage that occurs to other’s property or people in an accident. This coverage protects you from claims by other people. Liability doesn’t 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. You commonly see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as emergency aid, bail bonds, attorney fees, medical expenses and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Be Smart and Buy Smart

Cheap 2006 Pontiac Montana SV6 insurance is definitely available from both online companies as well as from independent agents, and you need to price shop both to have the best rate selection. A few companies may not provide online rate quotes and most of the time these regional carriers provide coverage only through independent insurance agents.

We’ve covered some good ideas how to save on 2006 Pontiac Montana SV6 insurance. The key concept to understand is the more times you quote, the better likelihood of getting affordable auto insurance. Drivers may discover the biggest savings come from an unexpected company. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

More information is available below:

• Teen Driving Statistics (iihs.org)
• (MontanaCarInsurancePros.com)
• (MontanaCarInsurancePros.com)
• Think You’re a Safe Driver? (State Farm)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Liability Insurance Coverage (Nationwide)