1998 Pontiac Bonneville Car Insurance Rates – 10 Tips to Save

Did budget coverage turn out to be overpriced insurance coverage? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their insurance coverage policy.

There is such a variety of insurers to buy insurance from, and although it’s a good thing to have multiple companies, more options can take longer to get the best deal.

You should take the time to do rate comparisons before your policy renews due to the fact that insurance prices change quite often. Despite the fact that you may have had the lowest rates for Bonneville insurance at your last renewal there may be better deals available now. There is a lot of bad advice regarding insurance coverage on the internet, but in a few minutes you can learn some of the best ways to buy insurance coverage cheaper.

Get cheap car insurance with discounts

Some insurance providers do not advertise every possible discount in an easy-to-find place, so we break down some of the more common and the more hidden credits available to bring down your rates.

• ABS Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive so you can save 10 percent or more.
• Life Insurance Discount – Companies who offer life insurance give a discounted car insurance rate on car insurance if you buy some life insurance too.
• Sign Online – A few car insurance companies may give you up to $50 for buying a policy and signing up on your computer.
• Club Memberships – Joining a civic or occupational organization could earn you a nice discount on your next car insurance statement.
• Claim-Free Discount – Good drivers with no accidents have much lower rates when compared to drivers with a long claim history.
• No Charge for an Accident – This isn’t a discount exactly, but a handful of insurance companies will turn a blind eye to one accident before hitting you with a surcharge if you are claim-free for a specific time period.
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up before driving may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• Savings for New Vehicles – Buying a new car instead of a used car is cheaper due to better safety requirements for new vehicles.
• Good Student – Excelling in school may save you up to 25%. The good student discount can last up until you turn 25.
• Early Renewal Discounts – Some car insurance companies reward drivers for switching companies before your current coverage expires. This discount can save up to 10%.

Please keep in mind that most credits do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as comp or med pay. So even though you would think having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A list of car insurance companies and their offered discounts are included below.

• American Family has discounts for Steer into Savings, mySafetyValet, bundled insurance, good student, and accident-free.
• Nationwide may have discounts that include multi-policy, good student, family plan, anti-theft, and accident-free.
• MetLife offers discounts for defensive driver, accident-free, claim-free, good driver, multi-policy, and good student.
• 21st Century has savings for air bags, theft prevention, early bird, driver training, and 55 and older.
• Farmers Insurance may offer discounts for youthful driver, pay in full, homeowner, distant student, electronic funds transfer, early shopping, and alternative fuel.
• Allstate discounts include anti-lock brakes, auto/life discount, farm vehicle, premier plus, early signing, resident student, and 55 and retired.

If you need cheaper insurance coverage quotes, ask all the companies which credits you are entitled to. Some of the earlier mentioned discounts may not be offered in your area. To choose insurers with discount car insurance rates, follow this link.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that may help highlight if you might need an agent’s assistance.

• Should I drop comprehensive coverage on older vehicles?
• Which companies will insure high-risk drivers?
• When should I drop full coverage on my 1998 Pontiac Bonneville?
• Can I rate high risk drivers on liability-only vehicles?
• Does coverage extend to Mexico or Canada?
• Does my insurance cover a custom paint job?
• What is roadside assistance coverage?
• How do I buy GAP insurance?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Car insurance coverage information

Having a good grasp of a car insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. These are the normal coverages offered by car insurance companies.

Liability coverage

Liability coverage can cover injuries or damage you cause to other people or property. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like attorney fees, legal defense fees and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

Collision insurance will pay to fix damage to your Bonneville resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like scraping a guard rail, driving through your garage door and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

UM/UIM Coverage

This gives you protection 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 damage to your Pontiac Bonneville.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance

Med pay and PIP coverage pay for short-term medical expenses like pain medications, funeral costs and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as vandalism, hitting a bird, fire damage, hail damage and falling objects. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Compare but don’t skimp

Some insurance companies may not offer rate quotes online and usually these regional carriers work with independent agents. Budget-conscious 1998 Pontiac Bonneville insurance can be purchased from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best selection.

When trying to cut insurance costs, do not skimp on coverage in order to save money. There are many occasions where drivers have reduced liability limits or collision coverage to discover at claim time they didn’t have enough coverage. Your aim should be to find the BEST coverage for the lowest price but still have enough coverage for asset protection.

More information can be found below:

• Vehicle Insurance in the U.S. (Wikipedia)
• Understanding Car Crashes Video (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Child Safety FAQ (iihs.org)
• Teen Driving Statistics (iihs.org)