Cheaper 2003 Pontiac Montana Insurance Quotes

If you’re new to shopping for insurance coverage online, you can be overwhelmed by the hoards of companies all offering big savings.

Buying car insurance is not rocket science. If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. Nevertheless, consumers do need to learn how big insurance companies sell online and take advantage of how the system works.

Cheap Car Insurance Comparisons

There are a variety of methods you can shop for 2003 Pontiac Montana car insurance and some are easier and takes less work. You could spend the better part of a day talking to insurance agencies in your area, or you could save time and use the web to quickly compare rates.

Many of the larger companies take part in a program that enables customers to send in one quote, and every company then returns a price quote based on the submitted data. This eliminates the need for form submissions to each company.

To participate in this free quote system, click here to open in new window.

The one downside to pricing coverage this way is buyers cannot specifically choose which carriers you want pricing from. If you wish to select specific insurance companies to compare rates, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make absolute certain that you use exactly the same deductibles and coverage limits on every quote. If you are comparing mixed coverages it’s not possible to make a fair comparison for your Pontiac Montana. Slightly different coverages can result in a big premium difference. And when price shopping your coverage, quoting more helps locate the best price.

Companies offer discounts so take them!

Companies do not list all their discounts in an easy-to-find place, so we researched both the well known as well as the least known ways to save on auto insurance.

Auto/Home Discount – When you have multiple policies with one company you may save 10% to 20% off each policy.
Drive Less and Save – Low mileage vehicles could qualify for a substantially lower rate.
Drivers Education – Require your teen driver to take driver’s ed class if it’s offered in school.
Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can get savings of 20% or more.
Senior Discount – Older drivers may qualify for better auto insurance rates on Montana insurance.
Sign Early and Save – Some companies give discounts for signing up before your current policy expires. It can save you around 10%.
Federal Government Employee – Employees or retirees of the government can save as much as 8% on Montana insurance with certain companies.

Consumers should know that most credits do not apply to all coverage premiums. The majority will only reduce specific coverage prices like collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky.

Car insurance companies that may have these discounts include:

Check with each company which discounts they offer. All car insurance discounts may not apply everywhere.

Do I just need basic coverages?

When it comes to buying adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s needs are different.

For example, these questions may help highlight if your situation would benefit from professional advice.

Should I rate my 2003 Pontiac Montana as pleasure use or commute?
Am I getting all the discounts available?
How high should deductibles be on a 2003 Pontiac Montana?
Should I carry comprehensive and collision coverage?
Do I really need UM/UIM coverage?
Does coverage extend to a rental car in a foreign country?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form.

Specific coverage details

Having a good grasp of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Comprehensive auto coverage

This will pay to fix 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 such as hail damage, damage from getting keyed, damage from a tornado or hurricane, rock chips in glass and a broken windshield. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability coverage protects you from damage or injury you incur to other’s property or people that is your fault. This coverage protects you against other people’s claims. Liability 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 policy limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like medical services, medical expenses, funeral expenses and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like pain medications, chiropractic care, dental work and nursing services. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Coverage for collisions

Collision coverage will pay to fix damage to your Montana resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as driving through your garage door, damaging your car on a curb, colliding with a tree, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of 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 is very important.