Cheaper 1990 Pontiac Bonneville Car Insurance Quotes

Shoppers have a choice when shopping for the lowest priced Pontiac Bonneville insurance. They can either waste time contacting agents getting price quotes or use the internet to find the lowest rates.

There is a right way and a wrong way to buy insurance coverage and we’ll show you the quickest way to quote coverages for your Pontiac and find the best price possible.

It’s a great practice to price shop coverage occasionally because prices change regularly. Despite the fact that you may have had the lowest rates for Bonneville insurance a year ago you can probably find a lower rate today. Don’t believe everything you read about insurance coverage on the internet, so I’m going to show you some of the best ways to save money.

The purpose of this article is to let you in on the best way to quote coverages and some money-saving tips. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Drivers just need to learn the best way to compare company rates over the internet.

Why your Pontiac Bonneville insurance rates may be high

Smart consumers have a good feel for the rating factors that help determine insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that will entitle you to lower insurance prices.

The following are a partial list of the pieces used by your company to calculate prices.

  • How many coverages with the same company – Many companies will award you with lower prices to customers who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, you still need to comparison shop to ensure the best deal. You may still find a better deal by buying insurance from a different company.
  • Allowing your policy to lapse raises rates – Allowing your insurance policy to lapse is a guaranteed way to bump up your insurance costs. Not only will you pay more, but being ticketed for driving with no insurance will get you a license revocation or jail time.
  • Do you have enough liability coverage? – Your policy’s liability coverage is the coverage that protects you when you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Women pay lower rates – Statistics have proven that women are safer drivers than men. That doesn’t necessarily mean that women are BETTER drivers than men. They both have accidents at a similar rate, but the men cause more damage. Men also statistically get more serious tickets such as DWI and reckless driving. Teenage male drivers are the most expensive to insure and therefore are the most expensive to insure.

Cheap Insurance Comparisons

Finding a better price on insurance is a fairly straight forward process. The only requirement is to take the time getting comparison quotes online with multiple companies. This can be accomplished using a couple different methods.

  • The first (and easiest) way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This form saves time by eliminating separate forms to each individual insurance company. One form submission gets you price quotes from several companies. It’s the fastest way to compare.
  • A slightly less efficient method to find lower rates requires you to visit the website for every company you want to comare and complete a new quote form. For instance, let’s say you want rates from Nationwide, Esurance and Geico. To get each rate you have to go to every website and enter your information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  • The least recommended method to compare rates is to waste gas driving to and from local insurance agencies. The internet has reduced the need for local agents unless you require the trained guidance that only a license agent can provide. You can, however, price shop your coverage online but still have the advice of a local agent and we’ll talk about that later.

It’s up to you how you get prices quotes, just ensure you are comparing apples-to-apples coverages and limits on every quote you get. If you enter different limits and deductibles on each one it will be impossible to determine the lowest rate for your Pontiac Bonneville.

Is there truth in advertising?

Consumers can’t get away from ads for the lowest price auto insurance by Geico, State Farm and Progressive. All the ads say the same thing that you’ll save big if you move to their company.

How can each company make almost identical claims? It’s all in the numbers.

All the different companies have a preferred profile for the type of driver that is profitable for them. An example of a preferred risk could be a mature driver, has no tickets, and has great credit. A driver who meets those qualifications will get very good rates and therefore will save when they switch companies.

Consumers who don’t meet these standards will be quoted higher rates which leads to business not being written. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much money. That is how companies can advertise the savings.

This emphasizes why you need to get as many quotes as possible. Because you never know which car insurance company will provide you with the cheapest Pontiac Bonneville insurance rates.

Cut your premium with discounts

The price of auto insurance can be rather high, but companies offer discounts to help offset the cost. Some discounts apply automatically when you quote, but less common discounts must be requested specifically before they will apply. If you’re not getting every credit possible, you are throwing money away.

  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can receive discounts of 20% or more.
  • Distant Student – Kids in college who live away from home without a vehicle on campus can receive lower rates.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you will save approximately 10% to 15%.
  • Payment Method – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Memberships – Being a member of a civic or occupational organization could qualify you for a break when buying insurance coverage for Bonneville insurance.
  • Low Mileage Discounts – Low mileage vehicles can earn a substantially lower rate.
  • Life Insurance – Some companies give better rates if you take out auto and life insurance together.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most only apply to specific coverage prices like medical payments or collision. So when the math indicates adding up those discounts means a free policy, you’re out of luck. But any discount will reduce your premiums.

For a list of companies with discount insurance coverage rates, follow this link.

What is the best insurance coverage?

When choosing the best car insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining whether you will benefit from professional help.

  • Should I rate my 1990 Pontiac Bonneville as pleasure use or commute?
  • What are the best liability limits?
  • Should I buy additional glass protection?
  • Is motorclub coverage worth it?
  • Can my teen drive my company car?
  • Can I afford to buy a different vehicle if my 1990 Pontiac Bonneville is totaled?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Car insurance coverage considerations

Having a good grasp of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as prosthetic devices, funeral costs, chiropractic care and EMT expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Pontiac Bonneville.

Due to the fact that many drivers 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. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive auto coverage

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like fire damage, vandalism and hail damage. The highest 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 probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance will pay to fix damage to your Bonneville resulting 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 pays for things such as colliding with another moving vehicle, hitting a mailbox, sideswiping another vehicle and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Liability

Liability insurance can cover damage or injury you incur to people or other property in an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like court costs, medical services and legal defense fees. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

One last thing

Consumers who switch companies do it for many reasons like high prices, questionable increases in premium, extreme rates for teen drivers and delays in paying claims. No matter why you want to switch, switching companies can be easier than you think.

Affordable 1990 Pontiac Bonneville insurance can be sourced online as well as from independent agents, and you need to comparison shop both to have the best selection. Some insurance providers don’t offer online price quotes and these smaller companies work with independent agents.

Throughout this article, we presented many ideas to get a better price on insurance. The most important thing to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the best prices are with a smaller regional carrier.

Much more information about insurance coverage is available below: