Cheaper 2001 Pontiac Bonneville Car Insurance Rates

Trying to find cheaper auto insurance rates for your Pontiac Bonneville? Nobody I know enjoys paying for auto insurance, in particular when they could find lower prices if they just compared rates. Insurance companies such as Progressive, State Farm and Geico increase brand awareness with TV and radio ads and consumers find it hard to see past the geckos and flying pigs and do the work needed to find the best deal.

Consumers need to price shop coverage as often as possible since insurance prices are adjusted regularly by insurance companies. Even if you think you had the best deal for Bonneville insurance a couple years back you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the easiest way to save money, get proper deductibles and limits, all at the lowest rate.

If you have insurance now or are just looking to switch companies, you will benefit by learning to get lower rates while maintaining coverages. Choosing the best insurance company for you is easy if you know what you’re doing. Vehicle owners just need to know the best way to shop for car insurance online.

Cut your auto insurance rates with discounts

Properly insuring your vehicles can get expensive, but you might find some hidden discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically at the time of purchase, but a few must be asked for prior to receiving the credit.

  • Passive Restraints – Cars that have air bags or motorized seat belts may qualify for discounts up to 30%.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to buckle their seat belts may be able to save a few bucks off the medical payments premium.
  • Early Signing – Some insurance companies give discounts for switching policies before your current coverage expires. It could save around 10% when you buy insurance coverage online.
  • Good Driver Discount – Drivers without accidents can get discounts for up to 45% lower rates for Bonneville insurance than their less cautious counterparts.
  • Save with a New Car – Insuring a vehicle that is new can cost up to 25% less since newer models are generally safer.

As is typical with insurance, some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Despite the appearance that you can get free auto insurance, it’s just not the way it works.

To locate providers who offer cheap auto insurance quotes, click here.

Quote insurance coverage online

Finding a better price on insurance coverage can be surprisingly simple. You just have to spend a few minutes on the computer to get quotes online with multiple companies. Rate comparisons can be done in a couple of different ways.

  1. Probably the best way to get quotes is a comparison rater form (click to open form in new window). This style of form eliminates the need for boring form submissions for each company. Just one form will get you price quotes from multiple low-cost companies.
  2. A more time consuming way to compare prices requires a trip to the website of each company and fill out a new quote form. For sake of this example, let’s assume you want to compare rates from Nationwide, State Farm and Geico. To find out each rate you need to take the time to go to each site and punch in your information repeatedly, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

  3. The most difficult method to find lower rates is driving around to different agent offices. The ability to quote online can eliminate the need for a local agent unless you have a complicated situation and need the professional guidance of an agent trained in personal lines coverage. However, consumers can comparison shop your insurance online but still have the advice of a local agent.

Compare rates however you want, just compare identical coverage limits on every price quote you get. If you use different deductibles it will be nearly impossible to determine which company has the best rates.

Get cheap insurance prices by understanding these factors

Multiple criteria are considered when you get a price on insurance. Most are fairly basic such as traffic violations, but others are not quite as obvious such as your marital status or your commute time.

  • Age of drivers impacts rates – Beginning drivers are statistically proven to be careless and easily distracted when behind the wheel and because of this, their insurance rates are much higher. More mature drivers have been proven to be more responsible, statistically cause fewer accidents and receive fewer citations.
  • Better premiums for uninterrupted coverage – Not having insurance is a big no-no and any future policy may cost more because you let your insurance coverage expire. In addition to paying higher premiums, failure to provide proof of insurance may result in fines or a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Too many policy claims drive up insurance rates – Companies give the best rates to drivers who are not frequent claim filers. If you’re an insured who likes to file claims you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance is intended for claims that pose a financial burden.
  • Better drivers pay better costs – Careful drivers get better rates compared to drivers with tickets. Having a single ticket could increase your next policy renewal by as much as thirty percent. Drivers with multiple citations such as DUI or willful reckless driving might be required by their state to file a SR-22 with the DMV in their state in order to prevent their license from being revoked.
  • Premiums and occupation – Do you have a high-stress occupation? Occupations such as military personnelpolice officers and dentists generally have higher rates than the rest of us in part from intense work-related stress and lengthy work days. Other occupations like farmers, engineers and the unemployed get better rates for Bonneville insurance.
  • Credit rating impacts costs – A driver’s credit score is a big factor in determining your rates. Drivers who have very good credit scores tend to file fewer claims and have better driving records as compared to drivers with lower ratings. If your credit rating can use some improvement, you could save money insuring your 2001 Pontiac Bonneville by taking the time to improve your credit score.
  • Deter theft and pay less – Buying a car with a theft deterrent system can earn a premium discount. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft.
  • More traffic equals higher rates – Being located in less populated areas has definite advantages when trying to find low car insurance rates. Fewer people translates into fewer accidents and also fewer theft and vandalism claims. Residents of big cities have to deal with more road rage incidents and a longer drive to work. More time on the road can result in more accidents.

You are unique and your car insurance should be too

When it comes to buying adequate coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions might point out if you may require specific advice.

  • Why am I required to buy high-risk coverage?
  • When should I not file a claim?
  • Am I covered if I break a side mirror?
  • Am I insured when driving a different vehicle?
  • Where can I get insurance after a DUI in my state?
  • Is business property covered if stolen from my car?
  • Does insurance cover damages from a DUI accident?
  • Am I covered when driving in Canada or Mexico?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, free and can provide invaluable advice.

Don’t listen to company ads

Consumers can’t escape the ads that claim the cheapest rates by Allstate and Progressive. They all advertise the message that you can save just by moving your policy.

How does every company charge lower premium rates? Here is how they do it.

All the different companies have specific characteristics for the type of insured that will be a good risk. For example, a profitable customer might have to be over the age of 45, carries full coverage, and insures a new vehicle. A driver who fits that profile will get low premium rates and most likely will save a lot if they switch.

Potential customers who do not meet those criteria must pay higher premium rates which leads to the prospect going elsewhere. The trick companies use is to say “drivers that switch” not “everyone who quotes” save the amount stated. This is how companies can state the savings. Because of this risk profiling, you should do a price quote comparison at every renewal. Because without a comparison, you cannot know which insurance companies will be your best fit.

Car insurance coverage options for a 2001 Pontiac Bonneville

Having a good grasp of a car insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from car insurance companies.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Liability coverage

Liability insurance will cover damages or injuries you inflict on people or other property. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as attorney fees, court costs, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for chiropractic care, rehabilitation expenses, nursing services and doctor visits. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, damage from getting keyed, a broken windshield, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision protection

Collision insurance pays for damage to your Bonneville from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like scraping a guard rail, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

In the end, you save

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, someone dropped comprehensive coverage or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible for the lowest cost, but don’t skip important coverages to save money.

Budget-conscious 2001 Pontiac Bonneville insurance can be bought online as well as from insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some car insurance companies may not have the ability to get a quote online and usually these smaller companies sell through local independent agencies.

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