1994 Pontiac Bonneville Car Insurance Rates – 5 Tips for Best Quotes

Saving money on insurance coverage is always difficult for people who are new to buying insurance online. You have so many choices that it can turn into a challenge to compare prices.

How to Buy Auto Insurance Online

There are a lot of ways to compare auto insurance quotes, but some are easier and takes less work. You could waste a few hours talking to local insurance agents in your area, or you could use the internet for quick rates.

Most of the larger companies participate in a marketplace that enables customers to complete one form, and every company provides a quote based on the submitted data. This prevents consumers from doing quotation requests for each company.

To compare 1994 Pontiac Bonneville rates using this form now click here to open in new window.

The one downside to getting quotes like this is that you can’t choose the providers you want to price. So if you prefer to pick from a list of companies to compare, we have assembled a list of companies who write auto insurance in your area. Click to view list.

It’s your choice how you get your quotes, but make absolute certain that you use apples-to-apples coverage limits for each price quote. If the quotes have different deductibles you will not be able to make an equal comparison. Just a small difference in insurance coverages can mean a large discrepancy in price. It’s important to know that comparing a large number of companies will enable you to find the best price.

How much can you save with these five discounts?

Companies offering auto insurance do not list every available discount in a way that’s easy to find, so we researched some of the best known and also the lesser-known car insurance savings.

  • Paperwork-free – Certain companies will give a small break simply for signing over the internet.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education in high school.
  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on Bonneville insurance than their less cautious counterparts.
  • Accident Waiver – A few companies will allow you to have one accident before raising your premiums if your claims history is clear for a set time period.
  • Drive Less and Save – Low mileage vehicles could be rewarded with better rates on cars that stay parked.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way.

To see a list of insurance companies with the best car insurance discounts, click here.

How much car insurance do I need?

When it comes to choosing coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that could help you determine if your insurance needs will benefit from professional help.

  • When should I buy a commercial auto policy?
  • Am I covered if I wreck a rental car?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my 1994 Pontiac Bonneville need full coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • If I drive on a suspended license am I covered?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Specific coverages for a Pontiac Bonneville

Having a good grasp of insurance helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with another moving vehicle, scraping a guard rail, damaging your car on a curb and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like falling objects, damage from getting keyed and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage

Liability insurance will cover damage that occurs to other people or property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for things like legal defense fees, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is your choice, but consider buying higher limits if possible.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses like hospital visits, X-ray expenses, rehabilitation expenses and surgery. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Pontiac Bonneville.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Buy Smart and Save

Consumers who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, high prices and even being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new company is actually quite simple.

As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. In many cases, someone sacrificed physical damage coverage only to find out they didn’t purchase enough coverage. Your focus should be to find the BEST coverage at the best price, not the least amount of coverage.

Budget-conscious 1994 Pontiac Bonneville insurance can be sourced on the web and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

More detailed auto insurance information can be found in the articles below: