1999 Pontiac Bonneville Insurance Quotes

Searching for low-cost insurance for a new or used Pontiac Bonneville can turn out to be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to shop for auto insurance so we’re going to tell you the absolute fastest way to compare rates for a Pontiac and locate the best price possible either online or from local insurance agents.

Shopping for the lowest cost insurance coverage coverage is not that difficult. If you are insured now or are looking for a new policy, you can use this information to find better prices and still get good coverage. Consumers just need to understand the most effective way to shop for insurance coverage on the web.

Get affordable auto insurance quotes with discounts

Some companies don’t always publicize every discount they offer very clearly, so the list below details both the well known as well as some of the hidden discounts you could be receiving when you buy car insurance online.

  • Homeowners Pay Less – Owning a house can get you a discount since home ownership requires personal responsibility.
  • Save over 55 – Mature drivers could receive reduced rates on Bonneville insurance.
  • Discounts for Multiple Vehicles – Drivers who insure more than one vehicle with one company can get a discount on all vehicles.
  • Organization Discounts – Being a member of specific professional or occupational memberships or organizations could trigger savings on your next renewal.
  • Defensive Driver Discounts – Taking part in a course in driver safety could earn you a small percentage discount if your company offers it.
  • Student Discounts – Being a good student can earn a discount of 20% or more. Many companies even apply the discount to college students well after school through age 25.
  • Discount for New Cars – Insuring a vehicle that is new can be considerably cheaper because new model year vehicles are generally safer.

You can save money using discounts, but most discounts do not apply the the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But all discounts should help lower the amount you pay for coverage.

A few companies that may offer policyholders some of the discounts shown above possibly include:

Double check with every company the best way to save money. A few discounts may not apply to policies in your area. To see a list of auto insurance companies who offer auto insurance discounts, click here.

Four things that impact your insurance prices

Consumers need to have an understanding of some of the elements that play a part in calculating insurance rates. If you know what influences your rates, this enables informed choices that can earn you cheaper rates.

  • Eliminate unneeded incidental coverages – Policies have extra add-on coverages that can add up on your insurance policy. Coverages like vanishing deductibles, death and dismemberment, and additional equipment coverage may not be needed and are just wasting money. You may think they are a good idea when you first buy your policy, but if you have no use for them eliminate the coverages to reduce your premium.
  • More mileage equals more premium – The more you drive your Pontiac annually the higher the price you pay to insure it. Almost all companies apply a rate based upon how you use the vehicle. Cars that are left in the garage qualify for better rates than those that get driven frequently. An improperly rated Bonneville may be costing you. It’s a smart idea to ensure your vehicle rating reflects the right rating data, because improper ratings can cost you money.
  • Gender as a rate factor – Over time, data shows women are more cautious behind the wheel. However, don’t assume that women are better drivers. They both cause auto accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also get more serious tickets like reckless driving and DUI. Young males are the most expensive to insure and therefore pay the highest rates.
  • How much liability do you need? – Your insurance policy’s liability coverage kicks in in the event that a jury decides you are liable for personal injury or accident damage. This coverage provides legal defense up to the limits shown on your policy. This coverage is very inexpensive when compared to the cost of physical damage coverage, so do not skimp.

Tailor your car insurance coverage to you

When choosing coverage, there really is no best way to insure your cars. Everyone’s needs are different.

For instance, these questions may help highlight whether or not you might need professional guidance.

  • Should I buy additional glass protection?
  • Should I buy more coverage than the required minimum liability coverage?
  • How much liability coverage do I need in my state?
  • Why do I need rental car insurance?
  • Is my nanny covered when driving my vehicle?
  • Why am I required to buy liability insurance?
  • Why am I required to buy high-risk coverage?
  • Am I covered when driving in Canada or Mexico?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Brand name doesn’t guarantee savings

Drivers can’t get away from all the ads for insurance savings from companies such as Allstate, Geico and Progressive. They all seem to try to convey promises about saving some big amount just by moving your policy.

How can each company make the same claim?

All companies quote the lowest rates for the driver that is profitable for them. A good example of a profitable insured could possibly be a married female, has a clean driving record, and has great credit. Anybody who fits that profile will probably get the lowest car insurance rates and have a good chance to save some money.

Potential insureds who fall short of the ideal profile may be forced to pay a more expensive rate and this results in the prospect going elsewhere. The trick companies use is to say “customers that switch” not “everyone that quotes” save the amount stated. This is how insurance companies can make those claims.

This really drives home the point why it’s extremely important to quote coverage with many companies. You cannot predict with any certainty which company will fit you best based on your risk profile.

What insurance coverages do you need?

Learning about specific coverages of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability car insurance – This can cover damage that occurs to other’s property or people that is your fault. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like legal defense fees, court costs and bail bonds. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like pain medications, prosthetic devices, rehabilitation expenses, EMT expenses and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision – Collision insurance covers damage to your Bonneville caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like sustaining damage from a pot hole, colliding with a tree, sideswiping another vehicle, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

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

Comprehensive insurance covers things like theft, a tree branch falling on your vehicle, damage from flooding, damage from a tornado or hurricane and falling objects. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your 1999 Pontiac Bonneville.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are similar to your liability insurance amounts.

Be a penny pincher

As you quote car insurance, it’s not a good idea to buy less coverage just to save a little money. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim they didn’t purchase enough coverage. The goal is to buy the best coverage you can find at the best price, but do not skimp to save money.

Cheaper insurance is available online and from local agencies, so you should be comparing quotes from both to have the best rate selection. A few companies may not have online rate quotes and many times these regional carriers provide coverage only through independent insurance agencies.

You just read some good ideas how you can get a better price on 1999 Pontiac Bonneville insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your prices. Consumers may even find the biggest savings come from some of the smallest insurance companies.

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