Save on 2003 Pontiac Bonneville Insurance Rates

Want better insurance coverage rates for your Pontiac Bonneville? Overpriced Pontiac Bonneville insurance can draw down your funds and force you to make sacrifices. Performing a price comparison is a smart way to ensure you are getting the best deal.

Due to the abundance of options when it comes to insurance coverage, it can be diffult for drivers to choose the lowest cost company.

It’s a good habit to compare prices as often as possible since insurance prices are variable and change quite frequently. Just because you found the best quotes for Bonneville coverage last year there is a good chance you can find better rates now. Forget all the misinformation about insurance coverage because we’re going to show you how to use the internet to find better rates and still maintain coverage.

Low cost insurance prices

There are a variety of methods you can shop for insurance but some are less labor-intensive and much quicker. You could spend your day driving to insurance companies in your area, or you could save time and use the internet to get prices fast.

Most of the best insurance companies belong to a marketplace where prospective buyers enter their coverage request one time, and at least one company then gives them pricing determined by their information. This eliminates the need for form submissions for every insurance company. To participate in this free quote system, click here (opens in new window).

One minor caviat to getting quotes like this is buyers cannot specifically choose the companies to get pricing from. So if you prefer to choose specific insurance companies to compare, we have assembled a list of low cost insurance companies in your area. Click to view list.

How you compare quotes is your choice, just make sure you compare the same quote information on every quote. If you are comparing different liability limits it will be impossible to determine the lowest rate for your Pontiac Bonneville.

Discounts can really help lower rates

The cost of insuring your cars can be expensive, but there could be available discounts that can drop the cost substantially. 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.

  • Military Rewards – Having a deployed family member could trigger a small discount.
  • Online Discount – A few insurance companies will give you a small discount get car insurance over the internet.
  • Claim Free – Drivers with accident-free driving histories can earn big discounts compared to bad drivers.
  • Discounts for Responsible Drivers – Insureds without accidents can save as much as half off their rates for Bonneville coverage as compared to drivers with claims.
  • No Charge for an Accident – Not a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm permit an accident without raising rates as long as you don’t have any claims for a set time period.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid monthly service charges.

One thing to note about discounts is that most of the big mark downs will not be given to the entire cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

The best auto insurance companies and a selection of discounts are included below.

  • State Farm may offer discounts for passive restraint, multiple autos, Steer Clear safe driver discount, Drive Safe & Save, safe vehicle, driver’s education, and accident-free.
  • Esurance has discounts for paid-in-full, anti-lock brakes, online shopper, emergency road assistance, anti-theft, Switch & Save, and homeowner.
  • Progressive policyholders can earn discounts including multi-vehicle, online quote discount, good student, online signing, and homeowner.
  • Liberty Mutual offers discounts including multi-car, newly married, hybrid vehicle, multi-policy, newly retired, and new move discount.
  • Auto-Owners Insurance may include discounts for anti-theft, multiple vehicles, group or association, air bags, teen driver, safe vehicle, and good student.
  • Geico has savings for defensive driver, driver training, military active duty, anti-theft, air bags, and seat belt use.

If you need lower rates, check with all the companies which discounts you qualify for. Some of the discounts discussed earlier might not be offered on policies everywhere. To see auto insurance companies that offer many of these discounts, follow this link.

Insurance costs are influenced by these factors

Part of the auto insurance buying process is learning some of the factors that help determine the level of your policy premiums. If you have a feel for what impacts premium levels, this helps enable you to make changes that could help you find cheaper rates. Many things are used when pricing auto insurance. A few of the factors are predictable like an MVR report, but others are less apparent like where you live or your vehicle rating.

  • Don’t get traffic citations – How you drive influences premium rates substantially. Careful drivers pay lower auto insurance prices compared to bad drivers. Getting just one speeding ticket may increase your cost substantially. Drivers who have severe violations such as DUI or willful reckless driving might be required by their state to complete a SR-22 with their state’s department of motor vehicles in order to prevent their license from being revoked.
  • Reserve auto insurance claims for larger damages – Auto insurance companies provide discounts to insureds who do not rely on their insurance for small claims. If you file claims often, you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance is intended for more catestrophic claims.
  • Safety first – Safe vehicles tend to have better insurance rates. Vehicles built for safety have better occupant injury protection and better occupant protection translates into savings for insurance companies and thus lower rates.
  • Never have auto insurance lapses – Not maintaining insurance is not a good idea and you will pay a penalty because you let your coverage lapse. And not only will your rates increase, failure to provide proof of insurance could result in a revoked license or a big fine. You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Your car’s features help determine prices – Buying a car with anti-theft technology or alarm system can save you a little every year. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent auto theft.
  • What are good liability protection limits? – Liability insurance is the protection if you are determined to be liable for personal injury or accident damage. Liability provides for a legal defense to attempt to prove you were not liable. This coverage is very inexpensive compared to other policy coverages, so do not cut corners here.
  • Bad credit hurts insurance prices – Having a bad credit score is a big factor in calculating your premium rate. People that have good credit tend to file fewer claims and have better driving records as compared to drivers with poor credit. If your credit score is low, you may save money insuring your 2003 Pontiac Bonneville by repairing your credit.
  • Increase deductibles to save – Physical damage coverage, aka comp and collision, is used to repair damage to your Pontiac. Some examples of claims that would be covered could be a windshield shattered by a rock, damage from fire, and having your car stolen. The deductibles represent how much money you are willing to pay in the event of a claim. The higher the amount the insured is willing to pay, the less your company will charge you for insurance for Bonneville coverage.

Will just any policy work for me?

When it comes to choosing the right insurance coverage for your vehicles, there really is no best way to insure your cars. Every situation is different so your insurance needs to address that. These are some specific questions could help you determine if your insurance needs will benefit from professional help.

  • How high should my medical payments coverage be?
  • What is high-risk coverage and where do I buy it?
  • Am I covered if my car is in a flood?
  • Is my 2003 Pontiac Bonneville covered for smoke damage?
  • Is business property covered if stolen from my car?
  • Do I pay less for low miles?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Auto insurance coverage considerations

Having a good grasp of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types available from auto insurance companies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Auto liability

Liability coverage can cover damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things like court costs, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from a tornado or hurricane, hail damage, fire damage, vandalism and a broken windshield. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for surgery, EMT expenses and hospital visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Auto collision coverage

Collision coverage will pay to fix damage to your Bonneville resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, colliding with a tree, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Make an honest buck

While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. Too many times, consumers will sacrifice physical damage coverage only to discover later that it was a big mistake. Your strategy should be to buy the best coverage you can find at the best price, not the least amount of coverage.

We just showed you a lot of tips how to shop for 2003 Pontiac Bonneville insurance online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with the least-expected company. Some small companies can often insure niche markets at a lower cost than their larger competitors like Geico and State Farm.

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