Compare 2000 Pontiac Bonneville Insurance Rates

Scraping up a payment for overpriced Pontiac Bonneville insurance can drain your personal savings and make it hard to pay other bills. Comparison shopping is free and is an excellent way to help make ends meet. Big-name insurance companies like Allstate, Progressive and GEICO persitently shower you with ads and it is challenging if not impossible to see past the corporate glitz and do the work needed to find the best deal.

You should make it a habit to compare rates yearly due to the fact that insurance rates go up and down regularly. Just because you found the best deal on Bonneville insurance on your last policy other companies may now be cheaper. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the things you must know in order to reduce your cost while improving coverage.

If you have a policy now or are looking for a new policy, you will benefit by learning to reduce the price you pay while maintaining coverages. Finding the best rates is easy if you know what you’re doing. Vehicle owners only need an understanding of the tricks to compare prices over the internet.

Low Cost Insurance Coverage

Shopping for lower insurance coverage rates can take hours if you don’t understand the most efficient way. You could spend your day talking to agents in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

Most of the larger companies are enrolled in a marketplace where prospective buyers enter their policy data once, and every company can give them a price for coverage. This eliminates the need for quote forms for each company you want a rate for.

To access this free quoting program, click here (opens in new window).

The one disadvantage to using this type of form is you can’t choose which providers you want to price. If you would rather choose individual companies to receive pricing from, we put together a list of the cheapest insurance coverage companies in your area. View list of insurance companies.

Whichever way you use, ensure you are comparing exactly the same coverages and limits for each price quote. If your comparisons have different limits and deductibles on each one it’s not possible to determine which rate is truly the best.

Save on 2000 Pontiac Bonneville insurance

Car insurance companies do not advertise all their discounts in a way that’s easy to find, so we took the time to find some of the more common and the more hidden auto insurance savings. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates on Bonneville insurance than their less cautious counterparts.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Pontiac can qualify you for discounted rates on garaged vehicles.
  • Clubs and Organizations – Affiliation with a qualifying organization is a good way to get lower rates on your policy on Bonneville insurance.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.

Drivers should understand that some of the credits will not apply to your bottom line cost. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like you could get a free auto insurance policy, you’re out of luck.

Companies that may have these benefits may include but are not limited to:

Double check with every prospective company what discounts are available to you. Some discounts might not be offered everywhere.

Tailor your coverage to you

When buying the best car insurance coverage, there is no best way to insure your cars. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that could help you determine whether you could use an agent’s help.

  • Is my dog or cat covered if injured in an accident?
  • What is an SR-22 filing?
  • Is my trailer covered?
  • Will filing a claim cost me more?
  • What happens if I owe more than my 2000 Pontiac Bonneville is worth?
  • How can I get high-risk coverage after a DUI?

If you don’t know the answers to these questions then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Factors that can influence insurance rates for a Pontiac Bonneville

It’s important that you understand the rating factors that play a part in calculating the price you pay for auto insurance. Having a good understanding of what determines base rates helps enable you to make changes that could result in much lower annual insurance costs.

  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores are cheaper to insure. These vehicles reduce injuries and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If your Pontiac has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Protect your assets with liability insurance – Liability insurance is the protection if a jury decides you are liable for damages caused by your negligence. Liability insurance provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should carry high limits.
  • Bump up deductibles to save – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Pontiac. A few examples of covered claims could be colliding with a building, damage caused by hail, and windstorm damage. Your deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more money you have to pay, the lower your rates will be on Bonneville insurance.
  • Marriage pays dividends – Being married can actually save you money when buying auto insurance. Having a significant other means you’re more mature and responsible it has been statistically shown that married couples file fewer claims.
  • High credit ratings translate to low rates – Credit rating is a large factor in determining your rates. Drivers with excellent credit tend to file fewer claims and have better driving records than those with poor credit. If your credit history can use some improvement, you could potentially save money when insuring your 2000 Pontiac Bonneville by repairing your credit.
  • Little extras can really add up – There are a lot of add-on coverages that can waste your money on your 2000 Bonneville policy. Coverages for vanishing deductibles, accident forgiveness and term life insurance are some examples. They may seem like a good idea when you first buy your policy, but if they’re wasting money eliminate them to save money.

Don’t listen to company ads

Consumers can’t ignore all the ads that promise big savings from the likes of Progressive, GEICO, Allstate and State Farm. All the ads make the same claim of big savings if you switch your coverage to them.

How can each company claim to save you money?

All the different companies can use profiling for the type of customer that makes them money. A good example of a desirable insured could be between the ages of 40 and 55, has no tickets, and drives less than 10,000 miles a year. A driver who meets those qualifications will get the preferred rates and is almost guaranteed to save a lot of money.

Potential insureds who do not match the requirements must pay a more expensive rate which leads to the driver buying from a lower-cost company. The ads state “people who switch” not “people who quote” save that kind of money. That’s why insurance companies can confidently advertise the way they do. This illustrates why it is so important to compare as many rates as you can. It’s just too difficult to predict the company that will fit your personal profile best.

Auto insurance coverage specifics

Learning about specific coverages of auto insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are the usual coverages available from auto insurance companies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like fire damage, damage from flooding and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability insurance

Liability insurance can cover injuries or damage you cause to people or other property that is your fault. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for claims such as legal defense fees, bail bonds, emergency aid, structural damage and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses for things like rehabilitation expenses, doctor visits, nursing services and surgery. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverage

Collision coverage will pay to fix damage to your Bonneville resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like sideswiping another vehicle, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Be a smart shopper

You just learned many ideas to lower your 2000 Pontiac Bonneville insurance rates. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest priced car insurance comes from the smaller companies. These smaller insurers often have lower prices on specific markets compared to the large companies like Allstate and Progressive.

Affordable insurance can be bought both online and with local insurance agents, so you should compare both to have the best selection. Some car insurance companies do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

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