2003 Pontiac Bonneville Insurance Rates – 6 Savings Tips

Want cheaper insurance coverage rates for your Pontiac Bonneville? Nobody cherishes buying insurance coverage, especially when the cost is too high.

Multiple insurers compete for your insurance dollar, and because of this it can be hard to compare insurance companies and uncover the absolute lowest rate possible.

It is always a good idea to take a look at other company’s rates every six months since rates change frequently. Even if you think you had the lowest price for Bonneville insurance a couple years back a different company probably has better rates today. You can find a lot of misleading information regarding insurance coverage on the web, but by reading this article, you’re going to learn some guaranteed methods to save money.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Finding the best rates is quite easy. Nevertheless, vehicle owners must understand the way companies market on the web.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but companies offer discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you get a quote, but some may not be applied and must be specifically requested prior to getting the savings.

  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates for Bonneville insurance than drivers with accident claims.
  • Paperless Signup – A handful of insurance companies give back up to $50 for buying a policy and signing up on their website.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Accident Forgiveness – A few companies allow you one accident without raising rates if your claims history is clear for a set time period.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.

Drivers should understand that most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as comprehensive or collision. So when the math indicates you can get free auto insurance, companies don’t profit that way. But any discount will cut the amount you have to pay.

Companies that may have these discounts include:

Double check with each company how you can save money. Savings may not be available in your area.

When might I need an agent?

When it comes to choosing adequate coverage for your vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions may help highlight whether your personal situation will benefit from professional help.

  • What is an SR-22 filing?
  • Am I covered when delivering products for my home-based business?
  • How can I find cheaper teen driver insurance?
  • Should I buy additional glass protection?
  • Do all my vehicles need collision coverage?
  • When should my teen driver be added to my policy?
  • I have good health insurance, so how much medical payments coverage do I need?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Detailed coverages of your car insurance policy

Knowing the specifics of car insurance can help you determine the best coverages for your vehicles. Car insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages found on most car insurance policies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they 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 a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Medical costs insurance

Coverage for medical payments and/or PIP pay for immediate expenses like dental work, nursing services and ambulance fees. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Auto liability

Liability insurance provides protection from damage that occurs to a person or their property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like pain and suffering, attorney fees, structural damage, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Collision protection

Collision coverage covers damage to your Bonneville resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a mailbox, driving through your garage door, sustaining damage from a pot hole, crashing into a ditch and crashing into a building. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision

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

Comprehensive coverage pays for claims like theft, rock chips in glass, hitting a bird, hail damage and hitting a deer. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Quote often and quote early

You just learned a lot of tips how to get a better price on 2003 Pontiac Bonneville insurance. The most important thing to understand is the more companies you get rates for, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with some of the lesser-known companies. They often have lower prices on specific markets than their larger competitors like State Farm, GEICO and Nationwide.

Cheaper insurance is definitely available both online and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not offer online quoting and most of the time these small, regional companies sell through independent agents.

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