Compare 1997 Pontiac Bonneville Car Insurance Cost

Want the cheapest auto insurance rates for your Pontiac Bonneville? Are you sick and tired of scraping the payment together to buy car insurance? Your situation is no different than many other consumers. Insurance companies such as Geico, 21st Century and Progressive all promote huge savings with advertising and it is challenging if not impossible to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

It’s important to price shop coverage on a regular basis due to the fact that insurance rates change frequently. Even if you got the best price for Bonneville coverage six months ago there may be better deals available now. You can find a lot of misleading information regarding auto insurance online but with this article, you’re going to get some of the best ways to find affordable auto insurance.

If you have a current car insurance policy or are looking for a new policy, you can learn to reduce the price you pay and still get good coverage. Buying car insurance is easy if you know what you’re doing. Consumers only need an understanding of how to shop online.

How to reduce 1997 Pontiac Bonneville insurance rates

Car insurance companies do not advertise every discount very clearly, so the following is a list of some of the more common as well as the least known insurance coverage savings. If you’re not getting every credit available, you’re just leaving money on the table.

  • Accident Forgiveness – A few companies will forgive one accident without raising rates so long as you haven’t had any claims for a set time period.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class in high school.
  • Low Mileage – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Club Memberships – Affiliation with a qualifying organization may earn a discount when shopping for insurance coverage for Bonneville coverage.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as medical payments or collision. Just because you may think having all the discounts means you get insurance for free, you won’t be that lucky.

Companies that may offer these benefits are:

It’s a good idea to ask each insurance company which discounts you may be entitled to. All car insurance discounts might not apply in your area.

The easiest way to compare policy rates is to know the fact car insurance companies participate in online systems to provide you with a free rate quote. To begin a comparison, all you need to do is give the companies some data like distance driven, whether you are single or married, if the vehicle is leased, and the ages of drivers. Your rating data gets sent immediately to multiple companies and you should receive rate quotes instantly to find the best rate.

To compare rates now, click here and enter the information requested.

Tailor your coverage to you

When it comes to buying coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions can aid in determining if you could use an agent’s help.

  • Does my 1997 Pontiac Bonneville qualify for pleasure use?
  • When can I cancel my policy?
  • Should I carry comprehensive and collision coverage?
  • How can I get my company to pay me more for my totalled car?
  • Does my liability insurance cover pulling a trailer or camper?
  • When should I buy a commercial auto policy?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered if I hit a deer?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Car insurance 101

Learning about specific coverages of your policy aids in choosing the best coverages for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement. These are the usual coverages found on the average insurance policy.

Liability

Liability insurance provides protection from damages or injuries you inflict on other people or property. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for things such as repair bills for other people’s vehicles, repair costs for stationary objects and loss of income. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Pontiac Bonneville.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like chiropractic care, dental work, hospital visits, X-ray expenses and prosthetic devices. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive protection

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, falling objects and damage from getting keyed. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for collisions

Collision insurance will pay to fix damage to your Bonneville from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, rolling your car, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Cheaper insurance is a realistic goal

In this article, we covered some good ideas how to reduce 1997 Pontiac Bonneville insurance prices online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the most savings is with a small mutual company. These smaller insurers often have lower prices on specific markets than their larger competitors like Geico and State Farm.

While you’re price shopping online, never sacrifice coverage to reduce premiums. Too many times, drivers have reduced physical damage coverage only to regret at claim time that it was a big error on their part. Your strategy should be to find the BEST coverage at an affordable rate while still protecting your assets.

Additional information