Cheap 2002 Pontiac Bonneville Insurance Quotes

I can’t think of anyone who anticipates paying for auto insurance, particularly when the cost is too high. Since vehicle owners have many insurance providers from which to choose, it can be hard to locate the most affordable insurance company.

Finding the best rates is easy if you know what you’re doing. If you are insured now or are shopping for new coverage, you can learn to cut your premiums while maintaining coverages. Drivers just need to learn the proper way to compare price quotes online.

Get lower-cost auto insurance with discounts

Companies don’t necessarily list their entire list of discounts very clearly, so the list below gives a summary of a few of the more common in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance coverage online. If you do not check that you are getting every discount you deserve, you are paying more than you should be.

• Good Grades Discount – This discount can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
• Use Seat Belts – Using a seat belt and requiring all passengers to buckle up before driving could cut 10% or more off the PIP or medical payment premium.
• Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10% off your insurance coverage quote.
• Pay Now and Pay Less – By paying your entire bill at once instead of paying each month you could save 5% or more.
• Waiver for an Accident – Not necessarily a discount, but some companies like Liberty Mutual and Geico permit an accident before hitting you with a surcharge if you are claim-free before the accident.
• Early Switch Discount – Some companies reward drivers for switching companies prior to the expiration date on your current policy. Ten percent is about the average savings.
• Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
• Drive Safe and Save – Safe drivers may receive a discount up to 45% on Bonneville coverage than drivers with accidents.

As is typical with insurance, most discount credits are not given to your bottom line cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, you aren’t that lucky.

To see a list of providers who offer cheap auto insurance quotes, click here to view.

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Buy car insurance online

Lowering your 2002 Pontiac Bonneville car insurance rates is pretty simple and can save money. The only requirement is to spend a little time to compare rate quotes provided by online insurance companies. It’s really simple and can be done by using one of the methods below.

• The easiest and least time consuming way consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This method prevents you from having to do separate forms for every company. A single form gets you coverage quotes from many national carriers.
• A more time consuming way to compare prices requires you to visit each company website and repeat the quote process. For sake of this example, let’s assume you want to see prices from State Farm, Liberty Mutual and Progressive. You would be required to visit each site to enter your coverage information, which can get old fast.

  To view a list of companies in your area, click here.

• The most difficult way to compare price estimates is physically going to local insurance agencies. The ability to get quotes online makes this unnecessary unless you prefer the professional abilities of a licensed agent. Drivers can compare the best prices online but still have the advice of a local agent.

It’s up to you how you get prices quotes, just do your best to use nearly identical coverage data with each company. If the quotes have different coverage information it’s impossible to find the best deal for your Pontiac Bonneville.

Pontiac Bonneville insurance price factors

Consumers need to have an understanding of a few of the rating criteria that aid in calculating your premiums. If you understand what impacts premium levels, this enables informed choices that will entitle you to big savings.

• Use credit responsibly and save – Credit rating factor in calculating your car insurance rates. People with high credit scores tend to file fewer claims as compared to drivers with poor credit. If your credit history is not that good, you could save money insuring your 2002 Pontiac Bonneville by improving your rating.
• Costs are affected by your address – Residing in less populated areas of the country can be a good thing if you are looking for the lowest rates. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft. People who live in big cities have more road rage incidents and longer commutes to work. Spending more time driving statistically corresponds to a higher accident and claim rate.
• Save by driving less – The more you drive your Pontiac in a year the higher your rate. The majority of insurers apply a rate based upon how much you drive. Cars left parked in the garage can be on a lower rate level than those used for commuting. Having an incorrect usage rating on your Bonneville may be costing you. Ask your agent if your vehicle rating properly reflects the right rating data.
• Insure car and home with the same company – Most larger car insurance companies will award a discount to clients who buy several policies from them such as combining an auto and homeowners policy. The discount can be ten or even fifteen percent. Even though this discount sounds good, it’s always a smart idea to check prices from other companies to confirm you are receiving the best rates possible.
• Liability protection is critical – Liability insurance kicks in when you are determined to be liable for an accident. Your liability coverage provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
• Low physical damage deductibles mean high prices – Comprehensive and collision coverage deductibles are how much the insured will be required to pay in the event of a claim. Protection for physical damage, aka comp and collision, is used to repair damage to your car. Examples of covered claims would be a windshield broken by a bird, collision with a deer, and damage from wind. The more damage repair cost you choose to pay out-of-pocket, the less your company will charge you for insurance on Bonneville coverage.
• Expect high rates for teens – Young drivers are statistically shown to be careless and easily distracted when behind the wheel so they pay higher car insurance rates. Older, more experienced drivers are viewed as being more responsible, cost insurance companies less in claims and receive fewer citations.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. These are some specific questions might point out if your situation might need an agent’s assistance.

• What if I don’t agree with a claim settlement offer?
• Does insurance cover tools stolen from my truck?
• Are all vehicle passengers covered by medical payments coverage?
• Do I pay less if my vehicle is kept in my garage?
• What if I owe more than I can insure my car for?
• Can I afford to buy a different vehicle if my 2002 Pontiac Bonneville is totaled?
• Can I afford low physical damage deductibles?
• Am I missing any policy discounts?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

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Specific coverages for a Pontiac Bonneville

Having a good grasp of car insurance aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by car insurance companies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Pontiac Bonneville.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like scraping a guard rail, sustaining damage from a pot hole, crashing into a building, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Liability auto insurance

This coverage will cover damage or injury you incur to other people or property in an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

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 limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as funeral expenses, emergency aid and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from a tornado or hurricane, a tree branch falling on your vehicle, rock chips in glass, theft and hail damage. The most your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like X-ray expenses, dental work, EMT expenses and surgery. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Make a quick buck

As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where an insured dropped physical damage coverage only to find out they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

We just covered a lot of tips how to compare 2002 Pontiac Bonneville insurance premium rates online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced insurance coverage comes from the least-expected company. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or Geico.

For more information, take a look at the resources below:

• Uninsured Motorist Statistics (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• Anti-Lock Brake FAQ (iihs.org)
• How do I File a Claim? (Insurance Information Insitute)

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