How Much Does 2004 Pontiac Bonneville Insurance Cost?

Looking for lower car insurance rates for your Pontiac Bonneville? Finding low-cost insurance for a Pontiac Bonneville can normally be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to shop for car insurance and we’ll show you the proper way to compare rates for a new or used Pontiac and obtain the lowest price from both online companies and local agents.

It’s important to get comparison quotes at least once a year because car insurance prices change frequently. Even if you got the best rates on Bonneville coverage six months ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate one of the easiest ways to find great coverage at a great price.

Do you qualify for discounts?

Car insurance can cost a lot, but there could be significant discounts that many people don’t even know exist. Most are applied when you purchase, but less common discounts must be specially asked for before you get the savings.

• No Claim Discounts – Claim-free drivers get the best car insurance rates as opposed to insureds who have frequent claims or accidents.
• Senior Discount – Drivers that qualify as senior citizens may receive a small decrease in premiums on Bonneville coverage.
• Discount for Life Insurance – Car insurance companies who offer life insurance give a lower car insurance rate if you buy life insurance.
• Student in College – Any of your kids who attend college more than 100 miles from home and don’t have a car could get you a discount.
• Early Renewal Discounts – A few car insurance companies give discounts for signing up before your current expiration date. It could save around 10% when you buy auto insurance online.

Remember that most of the big mark downs will not be given to the entire cost. Most only cut the cost of specific coverages such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A few of the larger companies and some of the discounts are included below.

• State Farm may offer discounts for Drive Safe & Save, good driver, driver’s education, accident-free, defensive driving training, Steer Clear safe driver discount, and passive restraint.
• Farmers Insurance policyholders can earn discounts including youthful driver, distant student, bundle discounts, business and professional, and teen driver.
• Progressive has discounts for homeowner, continuous coverage, good student, multi-policy, multi-vehicle, online quote discount, and online signing.
• Geico discounts include multi-vehicle, anti-theft, federal employee, multi-policy, daytime running lights, five-year accident-free, and anti-lock brakes.
• Auto-Owners Insurance offers discounts including paperless, multi-policy, group or association, company car, paid in full, and anti-theft.
• The Hartford has savings for good student, air bag, anti-theft, defensive driver, bundle, vehicle fuel type, and driver training.
• Farm Bureau may include discounts for 55 and retired, good student, youthful driver, multi-policy, safe driver, and multi-vehicle.
• USAA offers discounts for loyalty savings, good student, safe driver, family discount, and annual mileage.

Double check with each company or agent to give you their best rates. Some discounts listed above might not be available to policyholders in your area.

Don’t assume everyone needs the same insurance coverage

When buying proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Each situation is unique.

These are some specific questions might point out if your situation could use an agent’s help.

• Does my liability insurance cover pulling a trailer or camper?
• Where can I get insurance after a DUI in my state?
• Does insurance cover tools stolen from my truck?
• What is roadside assistance coverage?
• If my pet gets injured in an accident are they covered?
• Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Educate yourself about auto insurance coverages

Knowing the specifics of auto insurance can be of help when determining the right coverages for your vehicles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive (Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, theft, damage from getting keyed, damage from a tornado or hurricane and falling objects. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto collision coverage

Collision coverage covers damage to your Bonneville resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sideswiping another vehicle, colliding with a tree, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability insurance

This provides protection from damages or injuries you inflict on other’s property or people. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things like structural damage, court costs, medical expenses and bail bonds. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses like prosthetic devices, nursing services, X-ray expenses, EMT expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Don’t be a big spender

Consumers switch companies for many reasons like lack of trust in their agent, policy cancellation, an unsatisfactory settlement offer or even not issuing a premium refund. No matter why you want to switch, choosing a new company can be less work than you think.

As you prepare to switch companies, it’s very important that you do not buy less coverage just to save a little money. In too many instances, drivers have reduced uninsured motorist or liability limits only to regret that they should have had better coverage. The proper strategy is to buy the best coverage you can find for the lowest cost, but do not skimp to save money.

Throughout this article, we presented some good ideas how to reduce 2004 Pontiac Bonneville insurance car insurance rates online. The most important thing to understand is the more companies you get premium rates for, the better chance you’ll have of finding cheap auto insurance. You may be surprised to find that the lowest car insurance rates come from the smaller companies.

To learn more, link through to the articles below:

• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)