View 1998 Pontiac Bonneville Insurance Rates

Tired of scraping the payment together each month for car insurance? Your situation is no different than most other car owners.

Many insurers compete for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the best rate

Smart consumers take time to price shop coverage quite often since insurance rates are adjusted regularly by insurance companies. Even if you think you had the best deal for Bonneville coverage a few years ago you may be paying too much now. Forget all the misinformation about insurance because you’re about to find out one of the quickest ways to find better coverage at a better price.

If you have car insurance now, you stand a good chance to be able to save some money using this strategy. Finding the best rates is quite easy. But consumers can benefit from knowing how the larger insurance companies sell insurance online and use this information to your advantage.

Some factors that can determine what Pontiac Bonneville insurance costs

An important part of buying insurance is that you know the different types of things that play a part in calculating the price you pay for insurance. When you know what positively or negatively determines base rates enables informed choices that could result in lower insurance prices.

Shown below are some of the items insurance companies consider when setting premiums.

  • You might want pay the small claims yourself – If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance companies give lower rates to insureds who are claim-free. Your insurance policy is intended for the large, substantial claims.
  • Do you know you’re credit rating? – Credit score is a large factor in your rate calculation. Drivers with good credit tend to file fewer claims and have better driving records as compared to drivers with lower ratings. So if your credit rating is low, you could pay less to insure your 1998 Pontiac Bonneville by spending a little time repairing your credit.
  • Do you have a high stress job? – Did you know your occupation can influence how much you pay for insurance? Careers like doctors, business owners and financial analysts are shown to have higher average rates in part from high stress levels and lots of time spent at work. Conversely, occupations such as farmers, engineers and homemakers pay the least for Bonneville coverage.
  • Where do you drive? – The higher the mileage driven each year the more you will pay for insurance. Most companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks used primarily for pleasure use receive lower rates than those used for commuting. An improperly rated Bonneville can cost quite a bit. Double check that your insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money.

Compare Insurance Today

There are multiple methods to compare 1998 Pontiac Bonneville insurance prices but some are less time-consuming than others. You can waste a lot of time driving to agents in your area, or you can utilize the internet to accomplish the same thing much quicker.

Many popular insurance companies enroll in a system that enables customers to only type in their quote data once, and each company then returns a price quote based on that data. This system prevents you from having to do quote requests for each company you want a rate for.

To find out how much you can save on insurance click here to open in new window.

The one disadvantage to using this type of form is you can’t choose the insurers to get pricing from. If you wish to select individual companies to request quotes from, we have assembled a list of insurance companies in your area. Click here to view list.

Whichever method you choose, compare apples-to-apples coverages and limits with each company. If you compare different liability limits you can’t possibly make a fair comparison for your Pontiac Bonneville. Having just a slight variation in limits may cause a big price difference. And when comparing insurance rates, know that getting more free quotes provides better odds of finding the best rates.

Are you falling for claims of savings?

Allstate, Geico and Progressive consistently run ads on TV and radio. All the companies say the same thing about savings if you change your coverage to them. How do they all make almost identical claims?

All companies can use profiling for the driver that makes them money. An example of a preferred risk might be profiled as over the age of 40, has no tickets, and drives less than 10,000 miles a year. Any driver who meets those qualifications gets the lowest rates and therefore will save when switching.

Consumers who do not match this ideal profile must pay higher prices and ends up with the driver buying from a lower-cost company. The ads state “drivers who switch” not “people who quote” save that much. That is how insurance companies can confidently state the savings. This illustrates why it’s extremely important to get as many comparisons as possible. It’s just too difficult to predict which insurance companies will provide you with the cheapest Pontiac Bonneville insurance rates.

Discounts are available to cut your rates

Car insurance companies don’t necessarily list all available discounts in a way that’s easy to find, so we break down both well-publicized and also the lesser-known auto insurance savings.

  • No Claims – Claim-free drivers pay much less when compared with accident-prone drivers.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you can actually save on your bill.
  • Good Student Discount – Performing well in school can save 20 to 25%. This discount can apply up to age 25.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before your rates go up if your claims history is clear for a certain period of time.
  • Seat Belt Usage – Requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. Even though it may seem like all those discounts means the company will pay you, you’re out of luck.

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

It’s a good idea to ask each insurance company which discounts they offer. All car insurance discounts may not apply in your area.

Everyone needs different coverages

When it comes to buying the best insurance coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions might point out if your situation may require specific advice.

  • Is my 1998 Pontiac Bonneville covered for smoke damage?
  • Why does it cost so much to insure a teen driver?
  • Is a blown tire covered by insurance?
  • Does my insurance cover a custom paint job?
  • Will filing a claim cost me more?
  • When would I need rental car insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance policy specifics

Having a good grasp of a auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types offered by auto insurance companies.

Collision coverages – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sustaining damage from a pot hole, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments – Med pay and PIP coverage kick in for expenses such as nursing services, funeral costs and prosthetic devices. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from getting keyed, hail damage, damage from flooding and fire damage. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability insurance – Liability insurance provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against claims like medical expenses, medical services and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Pontiac Bonneville.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Pennies from heaven

When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where consumers will sacrifice full coverage and found out when filing a claim they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage at the best price.

Discount 1998 Pontiac Bonneville insurance is available both online and with local insurance agents, and you should be comparing both to have the best rate selection. Some car insurance companies do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

Much more information about car insurance is located on the following sites: