Save on 2000 Pontiac Bonneville Insurance Cost

Trying to find better insurance coverage rates for your Pontiac Bonneville? Paying for high-priced Pontiac Bonneville insurance can drain your bank account and force you to make sacrifices. Comparing price quotes is a smart way to make sure you’re not throwing money away. With consumers having so many choices of insurance companies, it’s difficult to pick the lowest cost car insurance company.

Shopping for the lowest cost auto insurance coverage can be fairly easy. If you have a current auto insurance policy or are shopping for new coverage, you can use this information to find the best rates while maximizing coverage. Drivers only need to know the tricks to find the lowest price online.

Some factors that can determine what Pontiac Bonneville insurance costs

Consumers need to have an understanding of some of the elements that help determine your auto insurance rates. Understanding what determines base rates allows you to make educated decisions that will entitle you to lower auto insurance prices.

  • Your spouse saves you money – Having a spouse helps lower the price when buying auto insurance. Marriage means you’re more responsible it has been statistically shown that married drivers get in fewer accidents.
  • Safer occupants lowers premiums – Safer cars are cheaper to insure. These vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates. If the Pontiac Bonneville earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Allowing your policy to lapse raises rates – Letting your insurance expire will be a guaranteed way to pay more for auto insurance. Not only will you pay more, getting caught without coverage can result in a hefty fine and possibly a revoked license.
  • More than one policy can earn a discount – Many insurance companies provide better rates to people who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to shop around to ensure the best deal.
  • Males pay more for insurance – Statistics show that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. They both cause accidents in similar percentages, but the men have costlier accidents. Men also statistically receive more costly citations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and are penalized with high auto insurance rates.
  • With age comes lower rates – More mature drivers are more cautious drivers, tend to file fewer claims and are safer drivers. Youthful drivers are statistically proven to be less responsible when driving therefore auto insurance rates are much higher.

Take discounts and save

Car insurance is not cheap, but you may find discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you get a quote, but a few must be requested specifically prior to getting the savings. If you don’t get every credit available, you are paying more than you should be.

  • Organization Discounts – Affiliation with a professional or civic organization is a good way to get lower rates when shopping for auto insurance on Bonneville insurance.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • College Student – Children living away from home attending college and don’t have a car can receive lower rates.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • New Car Discount – Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more on Bonneville insurance than drivers with accidents.
  • Early Switch Discount – Some companies give discounts for switching to them before your current policy expires. It’s a savings of about 10%.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, you won’t be that lucky. But all discounts will help reduce the amount you have to pay.

For a list of companies offering auto insurance discounts, click here.

Ads can be misleading

Drivers get pounded daily by advertisements for cheaper car insurance by companies like State Farm and Allstate. They all have a common claim of big savings after switching to them.

How does each company say the same thing?

Different companies have a preferred profile for the driver that is profitable for them. For example, a driver they prefer could be between 30 and 50, has no tickets, and has a high credit rating. Any driver who matches those parameters will get the preferred rates and as a result will probably save quite a bit of money when switching.

Consumers who are not a match for the “perfect” profile will be quoted higher prices which usually ends up with business going elsewhere. Company advertisements say “people who switch” but not “drivers who get quotes” save money. That is how insurance companies can confidently claim big savings.

This emphasizes why you should compare many company’s rates. Because you never know which company will fit your personal profile best.

Which policy gives me the best coverage?

When choosing the best auto insurance coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions may help you determine if your situation could use an agent’s help.

  • Does my policy cover me when driving someone else’s vehicle?
  • Does liability extend to a camper or trailer?
  • Is my teen driver covered when they drive my company car?
  • Am I covered when driving in Canada or Mexico?
  • Does my insurance cover my expensive audio equipment?
  • Do I need motorclub coverage?
  • Should I put collision coverage on all my vehicles?
  • How high should deductibles be on a 2000 Pontiac Bonneville?
  • What is the ISO rating for a 2000 Pontiac Bonneville?
  • Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.

Car insurance coverages 101

Knowing the specifics of a car insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages available from car insurance companies.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for expenses for hospital visits, X-ray expenses, surgery and prosthetic devices. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability – This protects you from damage that occurs to other’s property or people. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like loss of income, structural damage and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Pontiac Bonneville.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.

Collision – This 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 can pay for claims such as damaging your car on a curb, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as falling objects, vandalism, damage from flooding, hitting a bird and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Take this to the bank

When trying to cut insurance costs, it’s very important that you do not reduce needed coverages to save money. There are too many instances where an insured dropped full coverage and learned later that the small savings ended up costing them much more. The ultimate goal is to find the BEST coverage at the best price while still protecting your assets.

We just covered some good ideas how to get a better price on 2000 Pontiac Bonneville insurance. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers may even find the biggest savings come from a small mutual company. Smaller companies may have significantly lower rates on certain market segments than their larger competitors like Allstate and Progressive.

Cheap insurance is attainable from both online companies as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.

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