1999 Pontiac Bonneville Insurance Cost

Are you sick and tired of trying to scrape together enough money to pay your car insurance bill each month? You are no different than most other car owners. Many insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurance company and get the definite best price available.

Consumers need to compare prices on a regular basis because rates change regularly. Just because you found the lowest rates for Bonneville insurance a year ago you can probably find a better price now. So just ignore everything you know about car insurance because you’re about to learn the quickest way to find lower rates on car insurance.

If you have a policy now or need new coverage, you can use these techniques to cut your premiums and still get good coverage. Finding the best rates is not rocket science. Drivers just need to understand the most efficient way to shop over the internet.

Your Pontiac Bonneville insurance rate is a complex equation

It’s important that you understand some of the elements that go into determining the price you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that can help you get much lower annual insurance costs.

  • High numbers of claims are not good – If you tend to file frequent claims, you can pretty much guarantee higher rates. Insurance companies give lower rates to people who do not file claims often. Insurance coverage is intended for the large, substantial claims.
  • More people means more accidents – Choosing to live in less populated areas is a positive aspect when buying auto insurance. Drivers who live in large cities regularly have more traffic problems and a longer drive to work. Fewer drivers means reduced accidents and a lower car theft rate.
  • Don’t sacrifice liability coverage – Liability insurance provides coverage when a jury decides you are liable for damages from an accident. It will provide you with a defense in court starting from day one. Liability insurance is quite affordable compared to physical damage coverage, so buy as much as you can afford.
  • Traffic violations increase rates – Even one citation can boost insurance rates twenty percent or more. Careful drivers receive lower rates than people who have multiple driving citations. If you have severe violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.
  • Choose a safe vehicle and save – Cars with high safety ratings are cheaper to insure. Safer cars protect occupants better and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If your Pontiac Bonneville has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Equipment add-ons that lower auto insurance rates – Driving a car that has an advanced theft prevention system can get you a discount on your auto insurance. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.
  • Consolidate policies to earn discounts – Some auto insurance companies will give a discount to customers who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to comparison shop to make sure you are getting the best deal. Drivers may still find a better deal by splitting coverages up.
  • Pay less if you’re married – Being married actually saves money on your auto insurance policy. It is viewed as being more responsible it has been statistically shown that married couples file fewer claims.

Auto Insurance Comparisons

Most companies provide price estimates online. Getting online rates is pretty painless as you simply enter the coverages you want into the quote form. Upon sending the form, the system sends out for credit information and your driving record and generates pricing information. Online quotes makes comparing rates easy, but the process of having to visit each company’s website and repetitively fill out multiple forms is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible if you want to find lower prices.

The better way to compare rates

The quickest way to find lower prices is to use a quote form that analyzes rates from a bunch of companies at once. It saves time, reduces the work, and makes online shopping a lot less work. Immediately after submitting the form, it is quoted with multiple companies and you can pick your choice of the quotes returned.

If you find a better price you simply finish the application and buy the new coverage. The whole process can be completed in less than 10 minutes and can result in significant savings.

If you want to compare rates using this form now, click here and complete the simple form. To compare your current rates, we recommend that you enter the insurance coverages exactly as they are listed on your policy. Using the same limits helps guarantee you will be getting a price comparison based on identical coverages.

Is there deception in advertising?

Consumers constantly see and hear ads that promise big savings from companies such as Allstate, Geico and Progressive. They all make the same claim that you can save if you move your policy.

How does each company make almost identical claims?

Different companies have a preferred profile for the type of customer that earns them a profit. For example, a profitable customer could possibly be between the ages of 40 and 55, insures multiple vehicles, and has excellent credit. A customer who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Consumers who are not a match for the requirements will be charged a higher premium which usually ends up with the driver buying from a lower-cost company. The ads say “customers that switch” not “people who quote” save that kind of money. That is how companies can truthfully advertise the savings.

That is why you should compare as many rates as you can. It’s impossible to know the company that will give you the biggest savings on Pontiac Bonneville insurance.

More discounts equal less premium

Insurance can cost an arm and a leg, but you can get discounts that can drop the cost substantially. A few discounts will automatically apply at the time of purchase, but some must be manually applied before being credited. If you’re not getting every credit available, you are throwing money away.

  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class in high school.
  • More Vehicles More Savings – Having multiple cars or trucks on the same insurance coverage policy could earn a price break for each car.
  • Discount for Life Insurance – Larger companies have a break if you buy life insurance from them.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can receive discounts of 20% or more.
  • Multiple Policy Discount – If you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.
  • Homeowners Pay Less – Owning a home may earn you a small savings because owning a home is proof that your finances are in order.
  • New Car Discount – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.

Drivers should understand that most discounts do not apply the the whole policy. Most only cut the price of certain insurance coverages like comp or med pay. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will reduce your premiums.

For a list of providers offering insurance coverage discounts, click here to view.

It’s not one size fits all

When buying adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. For example, these questions could help you determine if your insurance needs will benefit from professional help.

  • Is my custom paint covered by insurance?
  • Do I need replacement cost coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do all my vehicles need collision coverage?
  • If my 1999 Pontiac Bonneville is totaled, can I afford another vehicle?
  • Is my state a no-fault state?
  • Do I need special endorsements for business use of my vehicle?
  • When can I cancel my policy?
  • Do I have coverage for damage caused while driving under the influence?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage information

Having a good grasp of your policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types available from insurance companies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for bills for things like surgery, nursing services and dental work. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability auto insurance

Liability insurance protects you from injuries or damage you cause to other’s property or people that is your fault. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as medical expenses, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as theft, damage from getting keyed and a broken windshield. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

Collision coverage covers damage to your Bonneville from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as rolling your car, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

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

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Keep this in mind

Cost effective 1999 Pontiac Bonneville insurance is possible online and with local insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

We just presented many ways to save on insurance. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. Consumers could even find that the biggest savings come from the least-expected company. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm and Allstate.

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. In many instances, an insured cut physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at the best price while still protecting your assets.

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