1995 Pontiac Bonneville Insurance Quotes – 7 Savings Tips

Searching for lower insurance coverage rates? Consumers have a choice when looking for affordable Pontiac Bonneville insurance. You can either spend your time struggling with agents trying to get quotes or use the internet to get rate quotes.

There are both good and bad ways to find insurance coverage online so you’re going to learn the best way to compare rates for a Pontiac and find the lowest possible price either online or from local insurance agents.

How much can you save with these seven discounts?

Insuring your vehicles can cost a lot, but there are discounts available that you may not even be aware of. Some discounts apply automatically when you get a quote, but less common discounts must be asked about before they will apply. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Government Employees – Simply working for the federal government can save as much as 8% on Bonneville coverage depending on your company.
  • Pay Now and Pay Less – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company could earn a price break for each car.
  • Resident Student – Youth drivers who are attending college and don’t have a car may qualify for this discount.
  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Paperless Signup – A few companies will give a small break for buying your policy online.
  • Defensive Driving Course – Taking part in a defensive driving course can save you 5% or more if your company offers it.

Consumers should know that some credits don’t apply to the overall cost of the policy. The majority will only reduce individual premiums such as collision or personal injury protection. So when the math indicates you could get a free car insurance policy, it doesn’t quite work that way. Any qualifying discounts will bring down the cost of coverage.

A partial list of companies who might offer some of the above discounts include:

Before buying, ask each insurance company which discounts they offer. Some discounts might not be offered everywhere.

How much car insurance do I need?

When choosing proper insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • If I drive on a suspended license am I covered?
  • Will I lose any money if I cancel my policy before it expires?
  • How much liability coverage do I need in my state?
  • Why am I required to buy liability insurance?
  • How many claims can I have before being cancelled?
  • Am I covered if I crash into my own garage door?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered if I drive in a foreign country?
  • When should I remove comp and collision on my 1995 Pontiac Bonneville?
  • What is roadside assistance coverage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverages 101

Having a good grasp of a insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Collision protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, damaging your car on a curb, rolling your car and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Coverage for liability

Liability insurance can cover damage or injury you incur to people or other property. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like funeral expenses, repair costs for stationary objects, medical expenses and structural damage. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Pontiac Bonneville.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a bird, damage from flooding and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for nursing services, funeral costs, pain medications, EMT expenses and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

One last thing about your coverage

People change insurance companies for many reasons like delays in paying claims, being labeled a high risk driver, unfair underwriting practices and even lack of trust in their agent. Regardless of your reason for switching companies, switching insurance coverage companies is pretty simple and you could end up saving a buck or two.

As you prepare to switch companies, you should never buy poor coverage just to save money. Too many times, an accident victim reduced uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at a price you can afford.

We’ve covered a lot of information how to get a better price on 1995 Pontiac Bonneville insurance. The most important thing to understand is the more price quotes you have, the higher your chance of finding lower rates. Consumers may even find the lowest premiums are with the smaller companies.

More tips and info about insurance coverage can be found by following these links: