Lower Your 1992 Pontiac Bonneville Insurance Cost

Shoppers have a choice when shopping for low-cost Pontiac Bonneville insurance. They can either waste time contacting agents to get rate comparisons or use the internet to get rate quotes. There are more efficient ways to shop for insurance and we’ll show you the quickest way to quote coverages for a Pontiac and find the best price possible from both online companies and local agents.

How to save on Pontiac Bonneville insurance

Companies that sell car insurance don’t always publicize all their discounts in an easy-to-find place, so we break down some of the best known and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Sign Online – Some insurance companies give back up to $50 for buying your policy on their website.
  • Federal Employees – Active or retired federal employment can earn a discount up to 10% for Bonneville coverage depending on your company.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance from them.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less for Bonneville coverage than their less cautious counterparts.
  • 55 and Retired – Mature drivers may receive better auto insurance rates for Bonneville coverage.

Consumers should know that many deductions do not apply to the entire cost. Some only apply to individual premiums such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way.

Companies that possibly offer some of the above discounts include:

It’s a good idea to ask each company what discounts are available to you. Discounts might not apply in your area.

Quick Insurance Coverage Quotes

There are multiple methods to compare 1992 Pontiac Bonneville insurance coverage prices but some are less time-consuming than others. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you can utilize the internet for quick rates.

Most car insurance companies participate in a marketplace that enables customers to enter their policy data once, and at least one company returns a competitive quote based on that information. This system prevents you from having to do quote requests to each company.

To fill out one form to compare multiple rates now click here to open in new window.

The only downside to getting quotes like this is you don’t know exactly which providers to receive prices from. So if you prefer to pick specific providers to receive pricing from, we have assembled a list of low cost insurance coverage companies in your area. Click to view list.

Which method you use is up to you, but ensure you’re using the exact same coverages and limits for each comparison quote. If each company quotes different deductibles it’s not possible to determine the best price for your Pontiac Bonneville.

Tailor your coverage to you

When it comes to buying coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different.

These are some specific questions may help you determine whether or not you might need professional guidance.

  • Is rental equipment covered for theft or damage?
  • Are rock chip repairs covered?
  • Am I getting all the discounts available?
  • At what point should I drop full coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my 1992 Pontiac Bonneville covered for flood damage?
  • When can my company non-renew my policy?
  • When does my teenage driver need to be added to my policy?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Insurance policy coverages for a Pontiac Bonneville

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Liability car insurance – Liability insurance can cover damage that occurs to other’s property or people. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things like emergency aid, funeral expenses, pain and suffering, repair bills for other people’s vehicles and structural damage. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverages – This coverage will pay to fix damage to your Bonneville resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a building, hitting a mailbox, colliding with a tree, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Pontiac Bonneville.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like nursing services, EMT expenses and ambulance fees. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, damage from a tornado or hurricane, fire damage and theft. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

A tidy conclusion

People who switch companies do it for a variety of reasons including unfair underwriting practices, delays in paying claims, high rates after DUI convictions and poor customer service. Whatever your reason, choosing a new insurance company is actually quite simple.

In this article, we presented a lot of techniques to reduce 1992 Pontiac Bonneville insurance prices online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the best price on car insurance is with a company that doesn’t do a lot of advertising.

As you go through the steps to switch your coverage, make sure you don’t skimp on coverage in order to save money. There have been many situations where someone sacrificed full coverage only to regret at claim time that it was a big error on their part. Your strategy should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

Additional car insurance information is available at the links below