2000 Pontiac Montana Car Insurance Rates – 6 Discounts for Cheapest Quotes

Trying to find cheaper insurance rates for your Pontiac Montana? There isn’t anyone who loves paying for insurance, particularly when they are paying too much. Companies like State Farm, Progressive and Geico increase brand awareness with ads and consumers find it hard to sift through the bull and do the work needed to find the best deal.

Compare auto insurance rates

Finding a better price on auto insurance is surprisingly easy. All you need to do is take a few minutes comparing price quotes to find out which insurance company has the cheapest insurance coverage quotes. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The recommended way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This easy form eliminates the need for boring form submissions for every company. Taking the time to complete one form will return price quotes from several companies.
  2. A less efficient way to get comparison quotes consists of visiting each company’s website and complete a new quote form. For sake of this example, we’ll pretend you want rates from Liberty Mutual, Allstate and Progressive. In order to get each rate, you would have to go to each individual site and enter your policy data, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The least efficient and most time consuming way to comparison shop is making phone calls or going to insurance agencies in your area. The fact that you can get quotes online has reduced the need for local agents unless you have a need for the advice and guidance only provided by licensed agents. Some companies do allow you to compare online quotes but still have the advice of a local agent.

It’s up to you which method you use, but make sure you use apples-to-apples information with every price quote. If you use different coverage information you will not be able to make a fair rate comparison.

Big names are not always cheapest

Drivers can’t escape the ads that promise big savings for switching from the likes of Progressive, Allstate and Geico. All the ads seem to make the promise that you can save if you get a free insurance coverage quote and switch to them.

How can each company give you a better price? You have to listen carefully.

Insurance providers have strict underwriting profiles for the type of driver that makes them money. For instance, a preferred risk might have to be over the age of 45, owns their home, and does not commute to work. A customer who matches those parameters will get very good prices and as a result will probably pay quite a bit less when switching companies.

People who don’t qualify for the ideal profile will be charged higher premium rates which translates to the driver buying from a lower-cost company. If you pay close attention to the ads, they say “drivers who switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way insurance companies can make those statements.

That is why you really should do a rate comparison at every renewal. Because you never know which insurance coverage company will have the lowest rates.

Find discounts to get cheap insurance quotes

Companies that sell car insurance don’t necessarily list every available discount in an easy-to-find place, so the list below gives a summary of some of the more common and the more hidden ways to save on insurance. If you check and find you aren’t receiving every discount you deserve, you may be paying too high a price.

  • Early Payment Discounts – If you can afford to pay the entire bill instead of making monthly payments you may have a lower total premium amount.
  • Multiple Policy Discount – If you can bundle your auto and home insurance and insure them both with the same insurance company you may earn up to 20% and get you inexpensive insurance coverage.
  • Braking Control Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions and therefore earn up to a 10% discount.
  • E-sign Discounts – Certain insurance companies will give a small break for signing up on the internet.
  • Lower Rates for Military – Being on active deployment in the military could mean lower rates.
  • Discounts for Multiple Vehicles – Having multiple cars on the same insurance policy can reduce rates for all insured vehicles.

Drivers should understand that some of the credits will not apply the the whole policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like all the discounts add up to a free policy, it just doesn’t work that way.

To find insurers that offer some of these discounts, follow this link.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • What is PIP insurance?
  • Should I buy additional glass protection?
  • How much liability do I need to cover my assets?
  • Am I better off with higher deductibles on my 2000 Pontiac Montana?
  • Why do I need rental car insurance?
  • What can I do if my company won’t pay a claim?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Auto insurance 101

Having a good grasp of your policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average insurance policy.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for surgery, pain medications, funeral costs, hospital visits and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages – This pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, damage from a tornado or hurricane and hitting a deer. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Pontiac Montana.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Collision coverages – This coverage pays for damage to your Montana resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, colliding with a tree and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Liability – This coverage will cover damage or injury you incur to other people or property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for things like repair costs for stationary objects, medical expenses, bail bonds, attorney fees and legal defense fees. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Online plus local equals savings

Cheaper 2000 Pontiac Montana insurance is definitely available on the web as well as from insurance agents, so get free insurance coverage quotes from both of them in order to have the best price selection to choose from. There are still a few companies who may not have price quotes online and usually these small, regional companies only sell coverage through independent agencies.

As you prepare to switch companies, it’s a bad idea to buy poor coverage just to save money. In too many instances, an insured dropped uninsured motorist or liability limits only to regret that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

We covered many ideas to lower your 2000 Pontiac Montana insurance premium rates. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the best price on insurance coverage is with the least-expected company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, Geico and Nationwide.

For more information, feel free to visit the following helpful articles: