Save on 1999 Pontiac Montana Insurance Quotes

Car insurance shoppers not familiar with comparing car insurance rates online are likely to discover locating low cost insurance can be quite difficult.

Save money by taking advantage of discounts

Some insurance providers do not list every possible discount very well, so here is a list both well-publicized as well as some of the hidden credits that may apply to you.

  • Sign Online – Many companies will provide an incentive for buying a policy and signing up on the web.
  • Discount for Good Grades – This discount can save 20 to 25%. The discount lasts until age 25.
  • Accident-Free Discounts – Insureds who avoid accidents and claims pay less in comparison with bad drivers.
  • Discount for Low Mileage – Driving less may allow you to get slightly better auto insurancerates than normal.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.

Just know that most credits do not apply to the entire cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you could get a free auto insurance policy, companies wouldn’t make money that way.

Large auto insurance companies and some of the premium reductions they offer are outlined below.

  • Progressive includes discounts for multi-policy, homeowner, continuous coverage, good student, multi-vehicle, online signing, and online quote discount.
  • The Hartford has savings for driver training, defensive driver, good student, anti-theft, and bundle.
  • Mercury Insurance offers discounts including anti-theft, multi-policy, annual mileage, good driver, multi-car, and type of vehicle.
  • Geico has discounts for anti-lock brakes, seat belt use, air bags, multi-vehicle, federal employee, and emergency military deployment.
  • AAA offers discounts for multi-policy, multi-car, pay-in-full, good driver, and education and occupation.
  • State Farm discounts include passive restraint, multiple autos, safe vehicle, good driver, and defensive driving training.

Before you buy a policy, ask every company to give you their best rates. Some of the earlier mentioned discounts might not apply in your state. If you would like to see a list of insurance companies with the best auto insurance discounts, click this link.

The best way to compare policy rates is to understand most insurance companies allow for online access to provide you with a free rate quote. To get started, all you need to do is spend a couple of minutes providing details like if you have a valid license, your job, your credit rating estimate, and how old drivers are. Your insurance information is then sent to many highly-rated insurers and they return quotes very quickly.

If you would like to compare rates now, click here and see if a lower rate is available.

How much insurance coverage do I need?

When it comes to buying coverage, there really is not a “perfect” insurance plan. Every situation is different.

For instance, these questions could help you determine whether or not you may require specific advice.

  • Can I still get insurance after a DUI?
  • Am I covered if I break a side mirror?
  • Does having multiple vehicles earn me a discount?
  • Am I covered if hit by an uninsured driver?
  • Does my insurance cover a custom paint job?
  • When can I cancel my policy?
  • If my 1999 Pontiac Montana is totaled, can I afford another vehicle?
  • Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form.

Car insurance policy coverages for a Pontiac Montana

Learning about specific coverages of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Pontiac Montana.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical expense insurance – Coverage for medical payments and/or PIP pay for short-term medical expenses for X-ray expenses, ambulance fees and chiropractic care. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This will pay to fix damage to your Montana caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, driving through your garage door, crashing into a building, sustaining damage from a pot hole and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Coverage for liability – This coverage protects you from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as bail bonds, loss of income, attorney fees, funeral expenses and medical expenses. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Comprehensive (Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, hitting a bird and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Feed the piggy bank

Throughout this article, we presented a lot of techniques to compare 1999 Pontiac Montana insurance rates online. The key thing to remember is the more price quotes you have, the better likelihood of getting affordable insurance. Consumers may even find the best rates are with a lesser-known regional company.

When searching for affordable insurance quotes, you should never skimp on critical coverages to save a buck or two. There are too many instances where consumers will sacrifice liability limits or collision coverage only to find out they didn’t purchase enough coverage. The aim is to buy enough coverage for the lowest cost and still be able to protect your assets.

People switch companies for a number of reasons such as unfair underwriting practices, questionable increases in premium, not issuing a premium refund or even extreme rates for teen drivers. Regardless of your reason for switching companies, finding a new company is not as difficult as it may seem.

Additional car insurance information is located at the links below