2004 Pontiac Bonneville Car Insurance Quotes

Trying to find the cheapest car insurance rates for your Pontiac Bonneville? Price shopping your car insurance is hard for beginners to online insurance quotes. Consumers have so many options available that it can quickly become hard work to find the best coverage rates.

It’s a good habit to quote other rates as often as possible because prices change quite often. Even if you think you had the best deal on Bonneville coverage a few years ago there may be better deals available now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the quickest way to get good coverage at a lower rate.

Finding the cheapest auto insurance can be fairly easy. Just about everyone who buys auto insurance will be able to find lower rates. Nevertheless, vehicle owners must comprehend how insurance companies sell online.

Six things that affect your insurance rates

An important part of buying insurance is that you know some of the factors that go into determining the price you pay for car insurance. If you understand what determines base rates, this empowers consumers to make smart changes that may result in big savings.

  • Do you really need to file that insurance claims? – Insurance companies give cheaper rates to people that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can look forward to higher rates. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
  • Alarms and GPS tracking systems cut prices – Choosing to buy a car with a theft deterrent system can save you some money. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
  • Liability protection is peace of mind – Liability coverage will afford coverage if ever you are responsible for physical damage or personal injury to other. Your liability coverage provides legal defense which can be incredibly expensive. It is affordable coverage when compared with rates for comp and collision, so do not cut corners here.
  • Add-on coverages can add up – Insurance companies have many extra bells and whistles that may not really be needed if you aren’t careful. Insurance for things like roadside assistance, towing coverage, and extra life insurance coverage are examples of these. These coverages may sound good when you first buy your policy, but if you’ve never needed them in the past remove them from your policy.
  • Does your vocation raise your rates? – Careers like military generalsair traffic controllers and medical professionals generally have the highest average rates due to high stress levels and incredibly demanding work hours. Conversely, professions such as actors, historians and homemakers receive lower rates on Bonneville coverage.
  • Safer cars cost less to insure – Vehicles with high crash test scores tend to have lower insurance rates. Vehicles built for safety help reduce the chance of injuries in an accident and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If the Pontiac Bonneville earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

Which insurance is cheapest?

The are a couple different ways of comparing rate quotes from many different insurance companies. By far the easiest way to do a complete rate comparison is to perform an online rate comparison. This is quite simple and can be completed using a couple different methods.

  1. The most recommended method to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This method prevents you from having to do repetitive form entry to each individual insurance company. Taking the time to complete one form gets you coverage quotes from multiple low-cost companies. It’s the fastest way to compare.
  2. A harder way to compare prices is spending the time to visit the website for every company you want to comare and request a quote. For sake of this example, we’ll pretend you want to get rates from Farmers, Progressive and Travelers. You would have to navigate to each company’s site and repeatedly type in your coverage information, which is not fast way to get rate quotes. For a list of links to insurance companies in your area, click here.
  3. The most difficult method to get price estimates is to spend your day driving to different agent offices. The ability to buy insurance online makes this unnecessary unless you require the personal advice only provided by licensed agents. Drivers can comparison shop your insurance online but buy the policy through an agent.

However you get your quotes, ensure you’re using the same coverage limits on every quote you get. If you compare different data you will not be able to find the best deal for your Pontiac Bonneville. Just a small difference in insurance coverages or limits can make a big difference in price. And when price shopping your coverage, comparing more rates from different companies helps improve the odds of finding lower pricing.

These discounts can lower insurance rates

Properly insuring your vehicles can get expensive, but you might find some hidden discounts that can drop the cost substantially. Many discounts should be triggered when you get a quote, but some need to be inquired about prior to getting the savings.

  • More Vehicles More Savings – Purchasing coverage when you have more than one vehicle on one policy qualifies for this discount.
  • Save over 55 – If you qualify as a senior citizen, you are able to get better insurance rates on Bonneville coverage.
  • Driver Safety – Taking time to complete a course teaching defensive driver skills may get you a small discount if your company offers it.
  • Government Employees – Active or former government employment can earn a discount up to 10% on Bonneville coverage with a few insurance companies.
  • Own a Home and Save – Being a homeowner can save a few bucks since home ownership demonstrates responsibility.
  • Theft Deterent Discount – Cars and trucks optioned with advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
  • Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you may reduce your total bill.
  • Low Mileage – Keeping the miles down on your Pontiac may enable drivers to earn cheaper rates.
  • College Student Discount – Any of your kids living away from home attending college and leave their car at home could get you a discount.

You can save money using discounts, but most of the big mark downs will not be given to your bottom line cost. Most cut individual premiums such as liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, companies wouldn’t make money that way.

For a list of companies that have a full spectrum of discounts, follow this link.

When do I need an agent’s advice?

When it comes to choosing adequate coverage for your vehicles, there is no one size fits all plan. Each situation is unique.

These are some specific questions might point out whether you would benefit from an agent’s advice.

  • Can I afford to buy a different vehicle if my 2004 Pontiac Bonneville is totaled?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need an umbrella policy?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What vehicles should carry emergency assistance coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered if I wreck a rental car?
  • Which is better, split liability limits or combined limits?
  • Does insurance cover tools stolen from my truck?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance policy coverages for a 2004 Pontiac Bonneville

Understanding the coverages of your auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive auto insurance – Comprehensive insurance pays for 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 coverage protects against things like hitting a bird, rock chips in glass, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverage – This can cover injuries or damage you cause to people or other property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things such as legal defense fees, medical expenses and medical services. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Coverage for uninsured or underinsured drivers – This gives you protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Usually these coverages are similar to your liability insurance amounts.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for expenses such as EMT expenses, funeral costs, doctor visits, pain medications 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 and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with another moving vehicle, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Get your money’s worth

Low-cost 2004 Pontiac Bonneville insurance can be found from both online companies in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. Some companies may not provide online rate quotes and many times these regional carriers prefer to sell through independent agents.

As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced physical damage coverage only to regret they didn’t purchase enough coverage. Your aim should be to buy the best coverage you can find at an affordable rate, but do not skimp to save money.

In this article, we covered some good ideas how you can lower your 2004 Pontiac Bonneville insurance prices. The most important thing to understand is the more quotes you get, the higher your chance of finding cheaper auto insurance. Consumers could even find that the lowest priced auto insurance comes from the least-expected company.

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