Lower Your 1999 Pontiac Montana Insurance Quotes

Searching for cheaper insurance for your Pontiac Montana can turn out to be difficult, but you can learn the following methods to save time.

There are both good and bad ways to buy auto insurance so we’re going to tell you the quickest way to quote coverages on a Pontiac and find the best price possible either online or from local insurance agents.

Locating the best coverage is simple if you know the tricks. If you have a current insurance coverage policy or are just looking to switch companies, you will benefit by learning to find better prices while maximizing coverage. Drivers just need to learn the proper methods to shop for insurance coverage over the internet.

Discounts are basically free money

Insurance can be prohibitively expensive, but companies offer discounts that can drop the cost substantially. Some trigger automatically at the time of quoting, but a few must be specifically requested in order for you to get them. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Homeowners Pay Less – Being a homeowner may trigger a car insurance policy discount because of the fact that having a home requires personal responsibility.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident before your rates go up if you are claim-free for a certain period of time.
  • Accident Free – Claim-free drivers pay much less compared to accident-prone drivers.
  • Low Mileage – Fewer annual miles on your Pontiac could be rewarded with better rates on cars that stay parked.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Service Members Pay Less – Having a deployed family member could mean lower rates.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Save with a New Car – Adding a new car to your policy is cheaper compared to insuring an older model.

Keep in mind that most discounts do not apply to the entire policy premium. Most only cut the cost of specific coverages such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will cut your premiums.

Companies who might offer these benefits may include but are not limited to:

Double check with each company what discounts are available to you. Some discounts may not apply in your state.

Comprehensive Car Insurance Comparison Quotes

Most companies like 21st Century, Allstate and State Farm give coverage price quotes directly from their websites. This process is quite easy as you simply type in your required coverages into the quote form. Once entered, the company’s rating system sends out for information on your driving record and credit history and provides a quote based on these factors.

Online price quotes helps simplify price comparisons, but having to visit multiple sites and fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to do this if you want to find lower prices.

There is a better way!

The easiest way to lower your rates utilizes a single form that gets prices from a bunch of companies at once. This type of form saves time, eliminates repetitive work, and makes quoting online a lot less work. As soon as the form is sent, your coverage is rated and you can select any one of the pricing results.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. This process only takes a few minutes and may result in a nice savings.

To find out what other companies charge, simply click here to open in new window and submit the form. If you have coverage now, it’s recommended that you enter your coverages just like they are on your policy. This way, you will get a price comparison for similar insurance coverage.

Pontiac Montana insurance rates are influenced by…

Smart consumers have a good feel for the factors that play a part in calculating auto insurance rates. When you know what positively or negatively controls the rates you pay enables informed choices that could result in much lower annual insurance costs.

  • Optional equipment can affect rates – Driving a car that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
  • Increase deductibles and save – Your deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. The more money you’re willing to pay, the less your auto insurance will be for Montana coverage.
  • Pleasure use saves money – The more you drive every year the higher your rates will be. Most insurance companies charge to insure your cars determined by how the vehicle is used. Autos left parked in the garage can get a lower rate than those used for commuting. Improper usage on your Montana can result in significantly higher rates. Make sure your auto insurance policy is rated on the correct driver usage, because it can save money.
  • Do you have enough liability coverage? – Liability coverage will protect you if a jury decides you are liable for damages from an accident. Liability provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.

Which insurance is the “right” coverage?

When it comes to choosing adequate coverage, there really is no one size fits all plan. Every situation is different.

For instance, these questions might help in determining whether or not you might need professional guidance.

  • Do I need more liability coverage?
  • How can I get my company to pay me more for my totalled car?
  • What is no-fault insurance?
  • What is roadside assistance coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I have coverage when making deliveries for my home business?
  • If I drive on a suspended license am I covered?
  • Am I better off with higher deductibles on my 1999 Pontiac Montana?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Educate yourself about insurance coverages

Learning about specific coverages of insurance can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Collision coverage protection

This will pay to fix damage to your Montana from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, driving through your garage door, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like dental work, funeral costs and nursing services. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Pontiac Montana.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, a tree branch falling on your vehicle and a broken windshield. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability

This protects you from damage that occurs to a person or their property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers things like loss of income, pain and suffering and funeral expenses. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

In Summary

We just covered a lot of techniques to shop for 1999 Pontiac Montana insurance online. It’s most important to understand that the more you quote, the better your chances of lowering your rates. You may even find the best price on insurance coverage is with a small mutual company.

Consumers leave their current company for a variety of reasons including policy non-renewal, denial of a claim, high rates after DUI convictions or high prices. Whatever your reason, finding a new company can be less work than you think.

Cost effective insurance can be found online in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance coverage companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

Helpful learning opportunities