1995 Pontiac Bonneville Insurance Cost – 10 Discounts for Cheapest Prices

Trying to find better insurance rates for your Pontiac Bonneville? Purchasing low-cost insurance over the internet can seem to be intimidating for people who are new to comparison shopping online. With so many choices of insurers to choose from, how can you possibly compare every company to locate the best available rates?

If you currently have a car insurance policy, you will be able to save some money using these techniques. This information will tell you how to get online quotes and some money-saving tips. Although car owners can benefit from knowing the way insurance companies market insurance on the web and use this information to your advantage.

Fast and Easy Insurance Quotes

There are several ways of comparing price quotes from local insurance companies. One of the best ways to find the lowest 1995 Pontiac Bonneville rates is to perform an online rate comparison. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. One of the best ways to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This type of form saves time by eliminating repetitive form entry for each company. One quote request gets you coverage quotes from all major companies. Just one form and you’re done.
  2. A more difficult way to get quotes online requires a trip to the website for each individual company and complete a new quote form. For examples sake, we’ll assume you want rates from Nationwide, Progressive and GMAC. To find out each rate you need to take the time to go to each site and enter your policy data, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just double check that you are using identical coverage limits and deductibles for each price quote. If you are comparing different values for each quote it’s impossible to find the best deal for your Pontiac Bonneville. Quoting even small variations in insurance coverages may cause a big price difference. Just remember that comparing a large number of companies helps you find a lower rate.

Take advantage of discounts

Insurance can cost an arm and a leg, buy you may qualify for discounts that you may not know about. Some trigger automatically at the time you complete a quote, but a few must be manually applied in order for you to get them.

  • Resident Student – Youth drivers living away from home attending college without a vehicle on campus can receive lower rates.
  • One Accident Forgiven – A few companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates for Bonneville coverage than less cautious drivers.
  • Drive Less and Save – Keeping the miles down on your Pontiac can earn better rates on cars that stay parked.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Claim Free – Claim-free drivers can save substantially as compared to accident-prone drivers.
  • Safety Course Discount – Taking part in a course in driver safety could cut 5% off your bill if your company offers it.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. Just because you may think it’s possible to get free car insurance, you’re out of luck. Any qualifying discounts will cut your premiums.

Insurance companies that possibly offer these benefits may include but are not limited to:

Check with every prospective company which discounts you may be entitled to. Discounts may not apply in every state.

How to know if you need help

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions might point out whether or not you might need professional guidance.

  • Will my insurance pay for OEM parts?
  • Is my trailer covered?
  • Should I buy more coverage than the required minimum liability coverage?
  • What is the minimum liability in my state?
  • Am I insured when driving a different vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I rate my 1995 Pontiac Bonneville as pleasure use or commute?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Coverages available on your insurance policy

Learning about specific coverages of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Liability insurance – This provides protection from injuries or damage you cause to a person or their property in an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as emergency aid, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Bonneville.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.

Medical expense coverage – Med pay and PIP coverage kick in for short-term medical expenses for nursing services, X-ray expenses, pain medications and dental work. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, hail damage, hitting a deer, damage from getting keyed and hitting a bird. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – Collision coverage will pay to fix damage to your Bonneville resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, damaging your car on a curb, hitting a parking meter 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.