1993 Pontiac Bonneville Insurance Rates – 7 Ideas for Cheapest Quotes

Overpriced Pontiac Bonneville insurance can empty your personal savings and force you to prioritize other expenses. Shopping your coverage around is a smart way to slash your bill and have more diposable income. Companies like State Farm, Farmers Insurance, Geico and Allstate all promote huge savings with fancy advertisements and it can be hard to see through the cute green geckos and mayhem and find the best price available.

Smart consumers take time to do rate comparisons once or twice a year due to the fact that insurance rates are constantly changing. If you had the best deal for Bonneville insurance a year ago there may be better deals available now. There is a lot of bad information regarding auto insurance online but by reading this article, you’re going to learn some proven techniques to buy auto insurance cheaper.

Comprehensive Auto Insurance Comparison

Lowering your 1993 Pontiac Bonneville auto insurance rates doesn’t have to be difficult. All that’s required is to take time comparing price quotes online from several insurance companies. This can be accomplished in a couple of different ways.

  • The recommended way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This type of form saves time by eliminating separate quote forms for each company. A single form will return price quotes from auto insurance companies with the best prices.
  • Another way to get quotes online is going to each company website and complete a new quote form. For example, let’s say you want rates from USAA, 21st Century and Allstate. You would have to spend time on each company’s site to enter your coverage information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  • The least efficient way to compare rates is to spend your day driving to different agent offices. The internet has reduced the need for local agents unless you have a need for the trained guidance only provided by licensed agents. It is possible to comparison shop your insurance online but buy from a local insurance agent and you’ll learn how to do that later.

Which method you use is up to you, but ensure you’re using exactly the same quote information on every quote you get. If you have unequal deductibles or liability limits you can’t possibly make a fair comparison for your Pontiac Bonneville.

Misconceptions in car insurance advertisements

Consumers can’t get away from ads for the lowest price auto insurance by companies like Geico, State Farm and Progressive. All the companies make an identical promise that you’ll save big if you switch to them.

How does each company make the same claim? This is how they do it.

Insurance companies are able to cherry pick for the driver that earns them a profit. A good example of a desirable insured might be between 30 and 50, has no driving citations, and drives newer vehicles. A customer getting a price quote who matches those parameters will get very good rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who don’t qualify for the requirements will be quoted higher prices and this can result in the customer not buying. Company advertisements say “people who switch” but not “drivers who get quotes” save that much money. This is how insurance companies can advertise the savings. This emphasizes why drivers must quote coverage with many companies. Because you never know which car insurance company will fit your personal profile best.

These seven discounts can slash insurance coverage rates

Car insurance companies don’t necessarily list every discount in an easy-to-find place, so we researched both well-publicized and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Lower Rates for Military – Having a deployed family member can result in better rates.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Sign Online – Certain companies will give a small break for buying your policy on their website.
  • Government Employees – Employees or retirees of the government can save as much as 8% for Bonneville insurance with certain companies.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you may earn up to 20% off your total premium.
  • Use Seat Belts – Requiring all passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Auto/Life Discount – Some companies give better rates if you take out life insurance.

It’s important to understand that most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as liability and collision coverage. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way.

Car insurance companies that possibly offer these discounts are:

Before buying, ask each company how you can save money. Savings may not apply in your state.

When might I need the advice of an agent?

When it comes to buying the right insurance coverage for your vehicles, there is no one size fits all plan. Every situation is different so this has to be addressed. These are some specific questions may help highlight if you would benefit from an agent’s advice.

  • Why am I required to get a high-risk car insurance policy?
  • How much liability coverage do I need in my state?
  • Why do I need rental car insurance?
  • Are rock chip repairs covered?
  • How do I buy GAP insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my tools covered if they get stolen from my vehicle?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It is quick, free and can help protect your family.

Car insurance coverage options for a 1993 Pontiac Bonneville

Learning about specific coverages of your car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages available from car insurance companies.

Collision insurance

This coverage covers damage to your Bonneville resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like driving through your garage door, damaging your car on a curb, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Comprehensive coverages

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

Comprehensive can pay for things like a broken windshield, falling objects, damage from getting keyed, rock chips in glass and damage from flooding. The most your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for doctor visits, EMT expenses, chiropractic care and funeral costs. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance

This coverage will cover damage that occurs to a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like repair costs for stationary objects, bail bonds, attorney fees and loss of income. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Pontiac Bonneville.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

More quotes mean more savings

As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. In many instances, consumers will sacrifice liability limits or collision coverage to discover at claim time that it was a big error on their part. Your aim should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

You just read a lot of ways to shop for 1993 Pontiac Bonneville insurance online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the biggest savings come from a small local company. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

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