2003 Pontiac Bonneville Car Insurance Quotes

Trying to find lower car insurance rates for your Pontiac Bonneville? Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, many consumers feel financially strained by their car insurance policy. With so many companies and agents to choose from, it is hard for the average consumer to locate the most affordable provider.

Finding affordable coverage is easy if you know what you’re doing. If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. Consumers just need to know the proper way to find the lowest price over the internet.

Pontiac Bonneville rates are complex

Smart consumers have a good feel for the rating factors that help determine your car insurance rates. Knowing what impacts premium levels helps enable you to make changes that may reward you with better car insurance rates.

The following are a few of the “ingredients” that factor into rates.

  • Mature drivers pay less – Teenage drivers tend to get distracted easily when behind the wheel so they pay higher car insurance rates. Older insureds are more responsible, statistically cause fewer accidents and receive fewer citations.
  • An active claims history can cost you – Car insurance companies provide cheaper rates to insureds who do not rely on their insurance for small claims. If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
  • High deductibles save money – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Pontiac. Some instances where coverage would apply are colliding with a building, damage from fire, and rolling your vehicle. Your deductibles are how much you are required to spend out-of-pocket if you file a covered claim. The more money you are required to pay out-of-pocket, the less your company will charge you for insurance on Bonneville insurance.
  • Don’t let your coverage lapse – Driving your car without having proper coverage is illegal and as a result your rates will increase for letting your coverage lapse. Not only will rates go up, failure to provide proof of insurance will get you a license revocation or jail time.
  • Clean credit earns discounts – Credit history is a important factor in calculating your car insurance rates. Therefore, if your credit history is not that good, you could be paying less to insure your 2003 Pontiac Bonneville by repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with lower credit scores.
  • Discounts for married couples – Having a wife or husband can actually save you money on your policy. Having a spouse means you’re more mature and it’s proven that being married results in fewer claims.

Discounts mean cheaper Pontiac Bonneville insurance rates

Car insurance companies don’t always list all available discounts very well, so we break down some of the more common and the more hidden discounts you could be receiving. If you don’t get every credit available, you’re paying more than you need to.

  • Good Student Discount – Performing well in school can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
  • Clubs and Organizations – Affiliation with a professional or civic organization could qualify you for a break on insurance coverage on Bonneville insurance.
  • Federal Employees – Active or retired federal employment may qualify you for a discount on Bonneville insurance with certain companies.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

Insurance companies that may offer these money-saving discounts may include but are not limited to:

Before buying, ask every prospective company what discounts are available to you. All car insurance discounts may not apply in your area.

How can Allstate, Geico and Progressive save drivers who switch?

Consumers can’t ignore all the ads for the lowest price auto insurance from the likes of Allstate, Geico and Progressive. They all seem to make the same claim that you’ll save big if you change your coverage to them.

How can each company claim to save you money? This is how they do it.

All companies have a certain “appetite” for the right customer that makes them money. For example, a profitable customer might be profiled as between the ages of 40 and 55, insures multiple vehicles, and drives less than 7,500 miles a year. A propective insured who meets those qualifications will get very good rates and as a result will probably save quite a bit of money when switching.

Potential customers who don’t measure up to these standards will have to pay higher premiums which leads to business going elsewhere. Company advertisements say “customers who switch” not “people who quote” save that kind of money. This is how companies can truthfully make those claims. Because of the profiling, it’s extremely important to get as many comparisons as possible. It’s just too difficult to predict the company that will have the lowest Pontiac Bonneville insurance rates.

Tailor your coverage to you

When choosing coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique and your policy should reflect that. These are some specific questions may help highlight if your situation would benefit from an agent’s advice.

  • Am I covered when using my vehicle for business?
  • When can my company non-renew my policy?
  • Am I covered when driving someone else’s vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • If my pet gets injured in an accident are they covered?
  • Are rental cars covered under my policy?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and you can get the answers you need.

Parts of your insurance policy

Knowing the specifics of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on the average insurance policy.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, hitting a bird and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like chiropractic care, funeral costs, surgery, rehabilitation expenses and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Pontiac Bonneville.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Auto collision coverage

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 first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Liability coverage

This provides protection from damage that occurs to people or other property. This coverage protects you against claims from other people. Liability doesn’t 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. Your policy might show liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like court costs, bail bonds and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

One last thing

We covered a lot of techniques to save on 2003 Pontiac Bonneville insurance. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even find the best prices are with the smaller companies. Smaller companies may only write in your state and offer lower rates compared to the large companies like Progressive or Geico.

Budget-conscious insurance is possible from both online companies in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

Additional information