Cheap 1995 Pontiac Bonneville Car Insurance Quotes

Nobody I know gets a kick out of paying for insurance coverage, especially knowing it costs too dang much.

There are many insurance companies to insure vehicles with, and though it is a good thing to have a choice, it can be more difficult to compare rates and find the lowest cost insurance coverage.

It’s a good idea to price shop coverage as often as possible since prices are variable and change quite frequently. Just because you had the best rate for Bonneville coverage two years ago there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the easiest way to lower your annual insurance bill.

Locating more affordable coverage is not that difficult. Essentially everyone who is required by state law to have auto insurance will be able to reduce their rates. Nevertheless, consumers can benefit from knowing how insurance companies sell insurance online.

Insurance premiums are influenced by these factors

Consumers need to have an understanding of some of the factors that help determine your policy premiums. If you have some idea of what impacts premium levels, this allows you to make educated decisions that will entitle you to better insurance coverage rates. Lots of things are part of the calculation when you quote your car insurance policy. Most are fairly basic such as traffic violations, but others are less apparent like your vehicle usage and annual miles driven.

The items below are some of the things utilized by car insurance companies to help set your rate level.

  • What are your deductibles? – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Pontiac. Some examples of covered claims are a broken side mirror, collision with an animal, and rolling your vehicle. The deductibles are the amount of money you are required to spend out-of-pocket before your insurance coverage pays a claim. The more of the claim you have to pay, the better rate you will receive for Bonneville coverage.
  • Cars with good safety ratings mean better insurance coverage rates – Safe vehicles can get you lower premiums. Safer cars reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you.
  • Tickets and citations cost more than a fine – How you drive impacts premiums far more than you think. Even a single ticket can increase the cost of insurance to the point where it’s not affordable. Drivers who don’t get tickets tend to pay less for car insurance compared to drivers with tickets. Drivers who have received multiple citations like DUI or willful reckless driving may face state-mandated requirements to prove financial responsibility with their state in order to keep their license.
  • Save money by having multiple policies – Most major companies will award discounts to insureds who have multiple policies with them. It’s known as a multi-policy discount. Even with this discount applied, it’s always a smart idea to shop around to help ensure you have the lowest rates. Drivers may still save money by splitting coverages up.
  • Extra policy coverages push up premiums – There are quite a few extra bells and whistles you can purchase on your 1995 Bonneville policy. Coverage for things like rental car coverage, towing, and motor club memberships are probably not needed. You may think they are a good idea initially, but if you’ve never needed them in the past think about removing them and cutting costs.
  • Rural areas have lower costs – Having an address in a rural area is a positive aspect when buying insurance coverage. Drivers who live in large cities tend to have more auto accidents and higher rates of accident claims. Fewer drivers means a lower chance of having an accident and lower theft and vandalism rates.
  • The more you drive the more you pay – The more miles you rack up on your Pontiac every year the more it will cost to insure it. Almost all companies apply a rate based on how the vehicle is used. Cars and trucks used primarily for pleasure use qualify for better rates than cars that get driven a lot. Double check that your insurance coverage coverage is showing the correct driver usage. Having an incorrect usage rating on your Bonneville may be wasting your money.

How to compare free car insurance rate quotes

When shopping for car insurance there are multiple ways to obtain and compare prices from many different insurance companies. The recommended way to compare rates consists of shopping online. It is quite easy and can be accomplished in several different ways.

The first (and easiest) way to get quotes would be an industry-wide quote request form click to view form in new window. This type of form saves time by eliminating multiple quote forms for each price estimate. A single form gets prices estimates from car insurance companies with the best prices.

Another way to analyze rates requires a trip to the website for every company you want to comare and fill out a new quote form. For instance, we’ll pretend you want to compare rates from Geico, Liberty Mutual and Travelers. To get each rate you have to visit each site and type in your information over and over, which can take a lot of time. For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just try to use equivalent coverage limits and deductibles for each comparison quote. If the quotes have different data you will not be able to determine the lowest rate for your Pontiac Bonneville. Slightly different coverages may result in large price differences. And when quoting car insurance, remember that having more price comparisons gives you a better chance of getting a lower rate than you’re paying now.

Insurance coverage savings promises

Companies like State Farm, Allstate and Geico seem to constantly run television and radio advertisements. All the ads advertise the message that you’ll save big after switching to their company. But how can every company charge you less for car insurance? It’s all in the numbers.

Insurance providers look for specific characteristics for the driver that will not have excessive claims. One example of this type of risk profile could possibly be a married female, has a low-risk occupation, and drives a safe vehicle. Someone who matches those parameters may get the lowest rates as well as cut their rates if they switch.

Potential insureds who do not fit these criteria may receive higher prices with the end result being the driver buying from a lower-cost company. The trick companies use is to say “people who switch” not “everyone that quotes” save that much money. That’s the way companies can truthfully advertise the way they do.

This really illustrates why you absolutely need to compare rate quotes every year. Because you cannot predict which insurance companies will fit you best based on your risk profile.

Are you getting every discount?

Companies do not advertise every discount in a way that’s easy to find, so the following list contains both well-publicized and the more hidden savings tricks you should be using when you buy insurance coverage online.

  • Federal Government Employee – Being employed by or retired from a federal job may reduce rates when you quote insurance coverage for Bonneville coverage with select insurance companies.
  • Senior Discount – If you’re over the age of 55, you are able to get reduced rates for Bonneville coverage.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage can earn lower prices on the low mileage vehicles.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Multi-car Discount – Having all your vehicles on a single policy can reduce the rates for all insured vehicles.
  • Discounts for Responsible Drivers – Safe drivers could pay up to 40% less for Bonneville coverage than their less cautious counterparts.
  • Membership in Organizations – Affiliation with qualifying clubs or civic groups is a good way to get lower rates on car insurance.
  • Accident Free – Good drivers with no accidents have much lower rates as opposed to policyholders that have many claims.

Drivers should understand that most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

If you would like to see a list of providers that have a full spectrum of discounts, click here.

When in doubt talk to an agent

When buying proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different so this has to be addressed. For instance, these questions might point out if you will benefit from professional help.

  • Who is covered when they drive my 1995 Pontiac Bonneville?
  • Am I covered when delivering products for my home-based business?
  • Should I sign the liability waiver when renting a car?
  • Why do I need rental car insurance?
  • Should I buy full coverage?
  • Does coverage extend to Mexico or Canada?
  • Is my state a no-fault state?
  • How much underlying liability do I need for an umbrella policy?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Car insurance 101

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be ambiguous and coverage can change by endorsement. These are the usual coverages found on most auto insurance policies.

Liability

This protects you from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as repair bills for other people’s vehicles, structural damage, loss of income and funeral expenses. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like prosthetic devices, doctor visits, chiropractic care, surgery and ambulance fees. They are utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Bonneville.

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. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, theft 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 removing comprehensive coverage.

Coverage for collisions

Collision coverage will pay to fix damage to your Bonneville from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a parking meter, sideswiping another vehicle, rolling your car and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Cheaper insurance is a realistic goal

As you prepare to switch companies, you should never skimp on coverage in order to save money. Too many times, drivers have reduced physical damage coverage only to regret that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

Cheaper 1995 Pontiac Bonneville insurance is available on the web in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies do not provide rate quotes online and these small, regional companies only sell coverage through independent agents.

More tips and info about auto insurance is available in these articles: