1996 Pontiac Bonneville Insurance Quotes – 5 Tips to Save

Want better auto insurance rates for your Pontiac Bonneville? Scraping up a payment for pricey Pontiac Bonneville insurance can bleed your personal savings and put the squeeze on your family’s finances. Comparing cost estimates can save money and help to slash your bill and have more diposable income.

Vehicle owners have so many car insurance companies to choose from, and although it’s nice to be able to choose, more choices can make it harder to compare rates.

Consumers should take time to shop coverage around as often as possible because auto insurance prices fluctuate regularly. Despite the fact that you may have had the lowest rates for Bonneville insurance a few years ago there may be better deals available now. Forget all the misinformation about auto insurance because you’re about to learn one of the easiest ways to buy cheaper auto insurance.

Don’t overlook these five insurance discounts

Buying insurance is not cheap, but you might be missing out on some discounts that you may not know about. Certain reductions will be credited when you purchase, but lesser-known reductions have to be asked about prior to receiving the credit.

• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to wear their seat belts may be able to save a few bucks off the personal injury premium cost.
• Accident Free – Claim-free drivers can earn big discounts when compared to drivers with a long claim history.
• Anti-theft Discount – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and earn discounts up to 10% off your car insurance quote.
• Cautious Driver Discounts – Insureds who avoid accidents can save as much as half off their rates for Bonneville insurance than drivers with accidents.
• Full Payment Discount – If you pay your bill all at once instead of paying each month you may have a lower total premium amount.

Remember that most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, nobody gets a free ride.

To choose insurance companies who offer insurance discounts, click here.

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Low cost car insurance quotes online

There are multiple methods to compare car insurance prices but some are less time-consuming than others. You could spend your day talking to insurance agencies in your area, or you can utilize the internet to accomplish the same thing much quicker.

Many insurance companies participate in a marketplace where insurance shoppers only type in their quote data once, and each company then gives them pricing based on that information. This eliminates the need for quote forms for each company you want a rate for.

To fill out one form to compare multiple rates now click here to start a free quote.

The single downside to comparing rates this way is that you can’t choose the companies you will receive quotes from. If you would rather choose individual companies to compare rates, we have a page of low cost car insurance companies in your area. Click here for list of insurance companies.

The approach you take is up to you, just do your best to use the exact same coverages and limits with each company. If you use different deductibles it will be impossible to determine which rate is truly the best.

When to get professional advice

When buying the best car insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions can help discover whether you will benefit from professional help.

• Do I need an umbrella policy?
• Is my trailer covered?
• Is my state a no-fault state?
• What is covered by UM/UIM coverage?
• What if I total my 1996 Pontiac Bonneville and owe more than it’s worth?
• What is UM/UIM insurance?
• Should I sign the liability waiver when renting a car?
• How much can I save by bundling my policies?
• When does my teenage driver need to be added to my policy?
• Am I covered if I hit a deer?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Coverages available on your policy

Knowing the specifics of insurance can help you determine which coverages you need for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages found on the average insurance policy.

Comprehensive (Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, falling objects, a broken windshield, hail damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for collisions

This coverage pays for damage to your Bonneville resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like hitting a parking meter, rolling your car, crashing into a building, damaging your car on a curb and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 1996 Pontiac Bonneville.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability insurance

This coverage provides protection from damages or injuries you inflict on people or other property that is your fault. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for things like repair bills for other people’s vehicles, court costs and attorney fees. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses like surgery, pain medications and doctor visits. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

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A little work can save a LOT of money

You just learned many ways to get a better price on 1996 Pontiac Bonneville insurance. The most important thing to understand is the more you quote car insurance, the higher the chance of saving money. Drivers may discover the lowest rates come from a lesser-known regional company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.

As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced full coverage only to discover later they didn’t purchase enough coverage. Your strategy should be to buy the best coverage you can find for the lowest price, but do not skimp to save money.

For more information, feel free to visit the articles below:

• Vehicle Insurance in the U.S. (Wikipedia)
• Auto Crash Statistics (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• Understanding Car Crashes Video (iihs.org)

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