1993 Pontiac Bonneville Insurance Rates

Looking for better insurance rates for your Pontiac Bonneville? Locating lower priced insurance may at first seem to be problematic for consumers new to quoting and comparing rates and buying insurance on the web. Because there are so many online companies, how are consumers able to have the ability to compare every company in order to find better prices?

It’s a good habit to get comparison quotes yearly because insurance rates trend upward over time. Despite the fact that you may have had the best premium rates for Bonneville insurance a year ago there may be better deals available now. Forget anything you know (or think you know) about insurance because you’re about to learn the quickest way to lower your annual insurance bill.

How to get affordable auto insurance

Most companies such as Geico, State Farm and Progressive allow you to get coverage prices from their websites. This process is very simple as you simply enter the coverage amounts you desire into the quote form. When the form is submitted, the system automatically retrieves your credit score and driving record and returns a price quote based on the data you entered.

Being able to quote online makes comparing rates easy, but having to visit a lot of sites and type in the same information can be a bit repetitive. But it’s also necessary to do this if you are searching for the best price on auto insurance.

Rate comparisons made easy

A better way to get multiple rate quotes utilizes a single form that gets price quotes from several different companies. It saves time, requires much less work on your part, and makes price shopping online much simpler. After sending the form, it gets priced with multiple companies and you can pick any one of the quote results.

If the quotes result in lower rates, you can click and sign and purchase coverage. This process takes just a few minutes to complete and you’ll know if lower rates are available.

To quickly find out if lower rates are available, simply click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you copy deductibles and limits as shown on your current policy. This helps ensure you will have rate comparison quotes for exact coverage.

Insurance coverage companies offer many types of discounts

Companies do not advertise the complete list of policy discounts very clearly, so the following is a list of both well-publicized and the harder-to-find discounts that may be available.

  • Defensive Driver Discounts – Taking part in a defensive driver course could save 5% or more if you qualify.
  • Data Collection Discounts – People who choose to allow their company to study their driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks if they show good driving skills.
  • Air Bag Discount – Factory air bags or motorized seat belts can get savings of up to 25% or more.
  • College Student Discount – Kids who are attending college and don’t have a car could get you a discount.
  • Life Insurance Discount – Select insurance companies reward you with a break if you buy life insurance.
  • Good Student – Performing well in school can get you a discount of up to 25%. Most companies allow this discount up to age 25.
  • Payment Discounts – By paying your entire bill at once instead of paying each month you may reduce your total bill.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education if it’s offered in school.

One thing to note about discounts is that many deductions do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky.

A partial list of companies that may include these discounts may include but are not limited to:

When comparing rates, check with each insurance company to give you their best rates. A few discounts might not be available to policyholders in your state. For a list of insurance coverage companies that offer discounts, follow this link.

Why your insurance costs might be higher

Lots of factors are used in the calculation when pricing auto insurance. Some of the criteria are obvious such as your driving record, although others are more obscure such as whether you are married or your vehicle rating.

The list below includes some of the factors that factor into your prices.

  • Little extras can really add up – There are quite a few add-on coverages that you can buy on your Bonneville policy. Coverages like personal injury protection, towing coverage, and motor club memberships may be costing you every month. They may sound like good ideas when you first buy your policy, but if you don’t need them remove them and pocket the money.
  • Premiums are high for teenagers – Youthful drivers have been known to be less responsible in a vehicle therefore auto insurance rates are much higher. Having to add a teenage driver onto your auto insurance can be very expensive. Older, more experienced drivers are shown to be more cautious, statistically cause fewer accidents and get fewer tickets.
  • File a insurance claims and pay more – Auto insurance companies award better rates to people who are claim-free. If you file claims often, you can expect higher rates. Insurance coverage is designed for claims that you cannot pay yourself.
  • Cheaper rates with high comp and collision deductibles – Insurance for physical damage, also known as collision and other-than-collision, is used to repair damage to your Pontiac. Examples of some claims that would be covered are a dented fender, damage from fire, and damage from a fallen tree branch. Comp and collision deductibles represent how much money you are required to spend out-of-pocket if a claim is determined to be covered. The larger the amount you choose to pay out-of-pocket, the bigger discount you will receive for Bonneville insurance.

Do I just need basic coverages?

When it comes to buying the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that can help discover whether or not you may require specific advice.

  • Am I covered if my car is in a flood?
  • Can I rent a car in Mexico?
  • What exactly is covered by my policy?
  • Does medical payments coverage apply to all occupants?
  • Is my custom paint covered by insurance?
  • Am I getting all the discounts available?
  • Does my 1993 Pontiac Bonneville need full coverage?

If you can’t answer these questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.

Is there deception in advertising?

Insurance coverage providers like Geico, State Farm and Progressive endlessly run television and radio advertisements. They all seem to make the promise that people will save if you change your policy. How does each company charge lower premium rates? It’s all in the numbers.

Insurance companies can use profiling for the type of customer that earns them the highest profit. A good example of this type of driver might have to be over the age of 35, carries high limits, and drives a lower-performance vehicle. A driver who meets those qualifications will probably get the lowest car insurance rates and will probably save when switching.

Drivers who fall short of those criteria will be charged higher prices and this results in business not being written. If you pay close attention to the ads, they say “people who switch” not “all people who quote” save that kind of money. That’s why insurance companies can confidently advertise the way they do.

This really drives home the point why drivers must get a wide range of price quotes. It’s just not possible to know which insurance coverage company will have the lowest rates.

Coverages available on your policy

Having a good grasp of your auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage protection

This covers damage to your Bonneville resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as driving through your garage door, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Pontiac Bonneville.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as rehabilitation expenses, nursing services and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability insurance

Liability insurance will cover damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things such as court costs, funeral expenses and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, a broken windshield, damage from a tornado or hurricane and theft. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Affordable insurance is out there

Cheaper car insurance can be bought both online and from local insurance agents, so get free car insurance quotes from both of them to get a complete price analysis. Some companies may not offer rate quotes online and many times these small, regional companies provide coverage only through independent insurance agents.

When trying to cut insurance costs, never reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice liability limits or collision coverage only to discover later they didn’t have enough coverage. The aim is to find the BEST coverage at the best possible price, not the least amount of coverage.

Drivers who switch companies do it for any number of reasons including high prices, an unsatisfactory settlement offer, questionable increases in premium and even not issuing a premium refund. Regardless of your reason for switching companies, choosing a new company is not as hard as you think.

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