Lower Your 1995 Pontiac Bonneville Car Insurance Rates

Locating cheaper insurance for a Pontiac Bonneville could be difficult, but you can learn the following methods to make it easier. There are more efficient ways to buy insurance coverage so you’re going to learn the absolute fastest way to quote coverages on a Pontiac and obtain the best price possible from both online companies and local agents.

Lower rates by qualifying for discounts

The price of auto insurance can be rather high, but you may qualify for discounts to help offset the cost. Some discounts will apply at quote time, but a few must be requested specifically before you will receive the discount.

• Safety Restraint Discount – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off the PIP or medical payment premium.
• Save with More Vehicles Insured – Buying a policy with several vehicles with the same car insurance company could earn a price break for each car.
• Drive Safe and Save – Safe drivers can save as much as half off their rates on Bonneville insurance than drivers with accident claims.
• Multi-line Discount – Not all insurance carriers offer life insurance, but some may give you better prices if you take out life insurance.
• Claim-Free Discount – Claim-free drivers can earn big discounts when compared with frequent claim filers.
• Braking Control Discount – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive and earn discounts up to 10%.
• Discount for Good Grades – Excelling in school can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
• Onboard Data Collection – Drivers who elect to allow their company to look at driving patterns by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if their driving habits are good.
• Air Bag Discount – Vehicles with factory air bags or motorized seat belts may get savings of 20% or more.

You should keep in mind that some credits don’t apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky.

If you would like to choose from a list of car insurance companies that can offer you the previously mentioned discounts, click here to view.

Car insurance is unique, just like you

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions may help you determine if you could use an agent’s help.

• Can I still get insurance after a DUI?
• Why am I required to buy liability insurance?
• Is my dog or cat covered if injured in an accident?
• Is my business laptop covered if it gets stolen from my vehicle?
• Am I covered if I wreck a rental car?
• Are my friends covered when driving my 1995 Pontiac Bonneville?
• Should I buy full coverage?
• What is the minimum liability in my state?

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. To find an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Specifics of your auto insurance policy

Having a good grasp of auto insurance helps when choosing the best coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Liability coverage

This coverage provides protection from damage that occurs to other’s property or people. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things such as medical expenses, pain and suffering, structural damage and medical services. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, a tree branch falling on your vehicle, vandalism and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 1995 Pontiac Bonneville.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for immediate expenses like EMT expenses, prosthetic devices, surgery and X-ray expenses. 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 getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Collision coverage protection

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as hitting a mailbox, damaging your car on a curb, backing into a parked car, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Pennies from heaven

Consumers who switch companies do it for any number of reasons including poor customer service, lack of trust in their agent, high rates after DUI convictions or not issuing a premium refund. It doesn’t matter why you want to switch finding the right auto insurance provider is pretty easy and you might even save some money in the process.

As you quote insurance, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice collision coverage and found out when filing a claim that it was a big error on their part. The proper strategy is to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.

Throughout this article, we presented many ways to reduce 1995 Pontiac Bonneville insurance prices online. The most important thing to understand is the more you quote insurance, the better chance you’ll have of finding low cost insurance. Consumers may even find the best prices are with the smaller companies.

Additional information can be found at these links:

• Keeping Children Safe in Crashes Video (iihs.org)
• Information for Teen Drivers (Geico)
• Crash Avoidance Technologies FAQ (iihs.org)
• Older Driver Statistics (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)