1999 Pontiac Montana Insurance Quotes – 6 Ways to Save

Trying to find cheaper car insurance rates for your Pontiac Montana? Nobody I know looks forward to buying car insurance, especially knowing they are paying too much.

You have multiple auto insurance companies to buy insurance from, and though it is a good thing to have a selection, it can be more challenging to compare rates and cut insurance costs.

It’s a good habit to take a look at other company’s rates on a regular basis due to the fact that insurance rates fluctuate regularly. If you had the best rates for Montana coverage two years ago there is a good chance you can find better rates now. You can find a lot of misleading information regarding car insurance on the web, but by reading this article, you’re going to learn some great ways to slash your car insurance rates.

Car Insurance Prices Online

There are several ways to compare quotes from local car insurance companies. By far the easiest way to find the cheapest 1999 Pontiac Montana insurance rates consists of shopping online. This can be accomplished in several different ways.

1. The best way consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This easy form prevents you from having to do boring form submissions for every car insurance company. Completing one form will return quotes instantly.
2. A more time consuming way to compare prices is spending the time to visit the website of each company and request a quote. For examples sake, we’ll pretend you want rates from Liberty Mutual, Allstate and Farmers. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method. To view a list of companies in your area, click here.

Whichever way you use, make darn sure you compare identical deductibles and coverage limits with each company. If you enter unequal deductibles or liability limits it will be very difficult to make an equal comparison. Slightly different limits may result in large price differences. And when comparison shopping, obtaining a wide range of quotes will improve the odds of getting better pricing.

Policy discounts you shouldn’t miss

Car insurance can cost a lot, but there are discounts available to cut the cost considerably. Most are applied when you quote, but lesser-known reductions have to be inquired about prior to receiving the credit.

• Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
• Multiple Cars – Buying coverage for all your vehicles on the same insurance policy could earn a price break for each car.
• Government Employees – Simply working for the federal government can earn a discount up to 10% for Montana coverage with a few insurance companies.
• Discount for Life Insurance – Some companies give better rates if you take out life insurance.
• Multi-policy Discount – If you insure your home and vehicles with the same insurance company you may save at least 10% off all policies.
• Organization Discounts – Affiliation with a professional or civic organization may earn a discount on your policy for Montana coverage.

Consumers should know that some credits don’t apply to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount will bring down the amount you have to pay.

For a list of providers offering insurance discounts, click this link.

Insurance agents can help

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions might help in determining whether or not you might need an agent’s assistance.

• Do I need motorclub coverage?
• When should my teen driver be added to my policy?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Will I be non-renewed for getting a DUI or other conviction?
• When should I not file a claim?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Does liability extend to a camper or trailer?
• What discounts do I qualify for?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Car insurance coverages explained

Knowing the specifics of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are typical coverages available from car insurance companies.

Comprehensive auto coverage – This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a deer, hitting a bird and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability insurance – This will cover damage or injury you incur to a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like medical services, medical expenses, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Pontiac Montana.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for expenses such as hospital visits, doctor visits and rehabilitation expenses. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers 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 is not an option in every state but can be used in place of medical payments coverage

Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like sustaining damage from a pot hole, crashing into a ditch, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.