2000 Pontiac Bonneville Car Insurance Cost – 5 Ideas for Best Prices

Paying for overpriced Pontiac Bonneville insurance can diminish your savings, especially in this economy. Performing a price comparison is a fast and free way to make sure you’re not throwing money away.

You have multiple insurance companies to buy insurance from, and although it’s nice to be able to choose, it can be more difficult to find the lowest cost provider.

You need to take a look at other company’s rates periodically since insurance prices are variable and change quite frequently. Just because you had the lowest rates for Bonneville coverage a couple years back you may be paying too much now. There is lot of inaccurate information about car insurance on the web, but by reading this article, you’re going to learn some of the best ways to save money.

Affordable insurance coverage quotes

Many insurance companies such as Geico, State Farm and Progressive make it easy to get price estimates online. Getting online quotes is pretty painless as you just enter into the form. After the form is submitted, their rating system will obtain your driving record and credit report and generates a price determined by many factors. This streamlines rate comparisons, but the time required to go to many different websites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to perform this step in order to find the best price on insurance coverage.

There is a better way to compare rates

The easiest way to locate the lowest prices uses just one form that analyzes rates from more than one company. It’s a real time-saver, eliminates repetitive work, and makes online shopping much easier. Immediately after submitting the form, your coverage is rated and you can choose any of the quotes returned. If you find a better price it’s easy to complete the application and purchase coverage. The entire process takes 15 minutes at the most and may save quite a bit of money.

If you want to use this form to compare rates, click here and enter your vehicle and coverage information. If you have your current policy handy, we recommend you type in your coverages as close as possible to your current policy. Doing this guarantees you’re receiving a price comparison for similar insurance coverage.

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Save $381 a year! What?

Companies like Geico, State Farm and Progressive regularly use television and radio advertisements. They all convey the message about how much you will save after switching your policy. It sounds good, but how can they all give you a better price? You have to listen carefully.

Insurance companies have an ideal profile for the type of insured that earns them the most money. A good example of a desirable risk may need to be between the ages of 30 and 45, has other policies, and has great credit. Any person who matches that profile will probably get cheap car insurance rates and will probably cut their rates if they switch.

Potential customers who do not meet these criteria may be forced to pay more expensive rates which translates to the customer not purchasing. Company advertisements say “drivers who switch” but not “all drivers who get quotes” save that much. This is how insurance companies can confidently advertise the savings. This illustrates why it’s extremely important to compare price quotes frequently. It’s impossible to know which insurance company will provide the lowest prices.

Do you qualify for these five discounts?

Auto insurance companies do not advertise the complete list of policy discounts in a way that’s easy to find, so the list below gives a summary of a few of the more well known in addition to some of the lesser obvious discounts that you may qualify for.

• College Student – Kids who live away from home to go to college and won’t have access to an insured vehicle may be able to be covered for less.
• Good Students Pay Less – This discount can earn a discount of 20% or more. You can use this discount normally until age 25.
• Multi-policy Discount – If you have multiple policies with one company you will save up to 20% and get you low cost auto insurance.
• Seat Belts Save more than Lives – Drivers who require all vehicle occupants to fasten their seat belts can save up to 15% off PIP or medical payments premium.
• Life Insurance – Larger car insurance companies have a lower price if you buy some life insurance too.

Don’t be surprised that most credits do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A few popular companies and a summarized list of policyholder discounts are shown below.

• The Hartford offers discounts for driver training, bundle, air bag, anti-theft, and good student.
• American Family offers premium reductions for early bird, TimeAway discount, multi-vehicle, Steer into Savings, accident-free, and air bags.
• Progressive may have discounts that include continuous coverage, homeowner, online signing, online quote discount, good student, and multi-vehicle.
• Travelers may include discounts for new car, early quote, IntelliDrive, student away at school, and driver training.
• Farmers Insurance offers discounts including youthful driver, pay in full, teen driver, homeowner, alternative fuel, and distant student.
• USAA may offer discounts for defensive driver, loyalty savings, driver training, new vehicle, multi-vehicle, and good student.
• Liberty Mutual policyholders can earn discounts including new graduate, new vehicle discount, newly married, exclusive group savings, multi-car, hybrid vehicle, and good student.

Before you buy a policy, ask each company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply in your area. To view insurers who offer car insurance discounts, click this link.

Don’t assume everyone needs the same auto insurance coverage

When it comes to buying proper insurance coverage for your vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might point out if you might need professional guidance.

• When can my company non-renew my policy?
• Do I get a pro-rated refund if I cancel my policy early?
• Does my 2000 Pontiac Bonneville need full coverage?
• Who is covered by my policy?
• Am I covered if I hit my neighbor’s mailbox?
• Is a fancy paint job covered?
• Am I covered when driving someone else’s vehicle?
• What is an SR-22 filing?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

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Insurance policy coverages for a 2000 Pontiac Bonneville

Learning about specific coverages of your insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types offered by insurance companies.

Collision insurance

Collision insurance covers damage to your Bonneville resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like rolling your car, driving through your garage door, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Medical expense coverage

Med pay and PIP coverage pay for bills for X-ray expenses, funeral costs, ambulance fees and hospital visits. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Pontiac Bonneville.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like falling objects, theft and hitting a deer. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages

This coverage provides protection from damages or injuries you inflict on people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as repair bills for other people’s vehicles, bail bonds, medical expenses and court costs. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Don’t throw your cash in the trash

When shopping online for insurance, do not reduce coverage to reduce premium. In too many instances, consumers will sacrifice comprehensive coverage or liability limits only to find out that they should have had better coverage. The goal is to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.

We covered a lot of tips how to lower your 2000 Pontiac Bonneville insurance rates. It’s most important to understand that the more times you quote, the better your comparison will be. You may be surprised to find that the best price on insurance is with a company that doesn’t do a lot of advertising. Smaller companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as State Farm or Progressive.

Other articles

• Help Your Teen Be a Better Driver (State Farm)
• Shopping for a Safe Car (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)

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