1990 Pontiac Bonneville Insurance Quotes – 7 Tips for Cheaper Rates

Trying to find lower car insurance rates for your Pontiac Bonneville? Did budget coverage turn out to be an overpriced car insurance policy? It’s quite common and you’re not the only one. Companies like State Farm and Geico all claim big savings with TV and radio ads and it is difficult to ignore the propoganda and do the work needed to find the best deal.

You need to compare premium rates before your policy renews because rates tend to go up over time. Even if you got the best premium rates for Bonneville insurance six months ago the chances are good that you can find a lower price today. Forget anything you know (or think you know) about car insurance because we’re going to show you the tricks you need to know to save money, get proper coverage and the best rates.

These seven discounts can slash insurance rates

Auto insurance companies don’t always list every disount available very well, so the following list contains both the well known as well as some of the hidden discounts that you may qualify for.

• Driver’s Ed – Require your teen driver to complete a driver education course if offered at their school.
• Homeowners Pay Less – Simply owning a home may earn you a small savings since owning and maintaining a home shows financial diligence.
• No Accidents – Good drivers with no accidents can save substantially when compared to policyholders that have many claims.
• Multi-policy Discount – When you have multiple policies and insure them both with the same insurance company you could earn a discount of over 10 percent off each policy depending on the company.
• Accident Waiver – This one isn’t a discount, but companies like Geico, Allstate and Liberty Mutual will forgive one accident before hitting you with a surcharge if you have no claims for a set time period.
• Include Life Insurance and Save – Not all insurance companies offer life insurance, but some may give you a break if you buy auto and life insurance together.
• Save with More Vehicles Insured – Buying coverage for more than one vehicle on the same insurance policy may reduce the rate for each vehicle.

A little disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most only cut specific coverage prices like comp or med pay. So when it seems like you could get a free insurance policy, you’re out of luck.

To see insurance companies that offer multiple discounts, follow this link.

The fastest way that we advise to compare car insurance rates utilizes the fact car insurance companies allow for online access to compare rate quotes. The one thing you need to do is spend a couple of minutes providing details like how much you drive, if you went to college, if you are currently licensed, and whether your vehicle is owned or leased. The rating information gets transmitted to insurance companies and you should receive rate quotes quickly.

To start a rate quote now, click here and see if a lower rate is available.

When do I need an agent’s advice?

When choosing the right insurance coverage, there really is not a “perfect” insurance plan. Each situation is unique so this has to be addressed. Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

• When should I buy a commercial auto policy?
• Do I have coverage if my license is suspended?
• Is my babysitter covered when using my vehicle?
• How much liability do I need to cover my assets?
• When do I need to add a new car to my policy?
• Do I need medical payments coverage since I have good health insurance?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Coverage specifics

Knowing the specifics of car insurance can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages offered by car insurance companies.

Liability car insurance

This protects you from damage that occurs to other’s property or people that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like pain and suffering, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, fire damage and a tree branch falling on your vehicle. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as hitting a parking meter, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for things like doctor visits, rehabilitation expenses, dental work, surgery and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your 1990 Pontiac Bonneville.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Don’t throw your cash in the trash

We just covered many tips how you can compare 1990 Pontiac Bonneville insurance premium rates online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your prices. Consumers could even find that the lowest premium rates are with the smaller companies. These companies often have lower prices on specific markets as compared to the big name companies such as Allstate, Geico and Progressive.

As you shop your coverage around, make sure you don’t sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped liability coverage limits only to discover later that it was a big error on their part. The goal is to find the BEST coverage at a price you can afford, not the least amount of coverage.

Helpful resources

• Distracted Driving Statistics (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)
• Comprehensive Coverage (Liberty Mutual)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Safety Tips for Teen Drivers (Insurance Information Insitute)