2006 Pontiac Montana SV6 Insurance Quotes – 10 Tips to Save

Want the cheapest insurance coverage rates for your Pontiac Montana SV6? Are you drained from sacrificing other expenses to insure your Pontiac every month? You have the same problem as many other consumers. Big companies like State Farm and Geico all promote huge savings with catchy ads and it is challenging if not impossible to ignore the flashy ads and find the best price available.

You need to get comparison quotes as often as possible because rates change frequently. Despite the fact that you may have had the lowest rate for Montana SV6 coverage last year the chances are good that you can find a lower price today. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to the quickest way to find better coverage at a better price.

If you have insurance now or are looking for a new policy, you can use these tips to find the best rates and still get good coverage. Finding affordable coverage is easy if you know what you’re doing. Consumers just need to understand the proper way to compare price quotes on the web.

Buy insurance online

There are several ways to compare insurance quotes, but there is one way that is less labor-intensive and much quicker. You can waste hours driving to insurance agencies in your area, or you could save time and use online quotes to get the quickest rates.

Most major companies belong to a marketplace that enables customers to only type in their quote data once, and at least one company returns a rated price determined by their information. This prevents consumers from doing quotation requests for each company. To compare rates using this form now click here to open in new window.

One minor caviat to doing it this way is that you can’t choose which insurance companies you will receive quotes from. So if you want to choose specific providers to compare, we put together a list of insurance companies in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but make sure you use nearly identical coverages for each comparison quote. If your comparisons have unequal deductibles or liability limits then you won’t be able to determine which rate is truly the best.

Well known brands might not be cheapest

Consumers constantly see and hear ads that claim the lowest prices from the likes of State Farm, Allstate and Geico. All the ads say the same thing that you’ll save big after switching your policy.

It sounds good, but how can they all give you a lower rate? It’s all in how they say it.

Insurance companies have specific criteria for a prospective insured they prefer to insure. One example of a desirable insured could be a female over age 40, has a clear driving record, and chooses high deductibles. Anybody who fits those characteristics will get a cheap rate quote and will most likely save if they switch.

Insureds who don’t measure up to the ideal profile will be charged a more expensive rate with the end result being the customer buying from a different company. The ads state “customers that switch” not “all people who quote” save that much. This is how insurance companies can claim big savings. Because every company is different, you really need to compare free car insurance quotes often. It’s impossible to know with any certainty which company will give you lower rates than your current company.

Ten discounts for lower-cost insurance coverage rates

Car insurance can cost a lot, but there’s a good chance there are discounts to cut the cost considerably. Many of these discounts will be applied automatically at quote time, but a few need to be inquired about before they will apply.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may get savings as much as 30%.
  • Renewal Discounts – Some insurance companies give discounts for renewing your policy before your current expiration date. The savings is around 10%.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts can save up to 15% off PIP or medical payments premium.
  • Theft Deterent – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and that can save you a little bit as well.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy a life policy as well.
  • Anti-lock Brake Discount – Cars and trucks with anti-lock braking systems are safer to drive and the ABS can save up to 10%.
  • Multi-car Discount – Having multiple cars or trucks on a single policy can reduce the rates for all insured vehicles.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for substantially lower rates.
  • Accident Waiver – This isn’t a discount exactly, but companies like Progressive, State Farm and Geico may permit one accident before raising your premiums as long as you don’t have any claims prior to being involved in the accident.

One last thing about discounts, some credits don’t apply to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, you aren’t that lucky.

To see insurance companies who offer online insurance coverage quotes, click here.

Tailor your car insurance coverage to you

When choosing coverage, there is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

  • Can I afford to buy a different vehicle if my 2006 Pontiac Montana SV6 is totaled?
  • When should I buy a commercial auto policy?
  • Does my policy pay for OEM or aftermarket parts?
  • I don’t drive much so do I pay less?
  • Am I covered if my car is in a flood?
  • Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Insurance coverages 101

Having a good grasp of insurance aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other motorists when they 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.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Coverage for collisions

This pays for damage to your Montana SV6 resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like scraping a guard rail, sustaining damage from a pot hole, damaging your car on a curb, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Liability insurance

This can cover damage that occurs to people or other property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like emergency aid, repair bills for other people’s vehicles, repair costs for stationary objects, pain and suffering and court costs. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for bills like surgery, chiropractic care and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as falling objects, rock chips in glass and damage from a tornado or hurricane. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

In Summary

In this article, we covered a lot of tips how to reduce 2006 Pontiac Montana SV6 insurance car insurance rates online. It’s most important to understand that the more times you quote, the higher your chance of finding cheaper car insurance. You may be surprised to find that the lowest car insurance rates come from a smaller regional carrier. They may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits and learned later that it was a big error on their part. Your objective should be to find the BEST coverage at the best cost and still be able to protect your assets.

Low-cost 2006 Pontiac Montana SV6 insurance is possible from both online companies and also from your neighborhood agents, and you should be comparing both to have the best selection. There are still a few companies who don’t offer internet price quotes and many times these small, regional companies only sell coverage through independent agencies.

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