Compare 1990 Pontiac 6000 Car Insurance Cost

Want the cheapest auto insurance rates for your Pontiac 6000? Tired of paying out the nose to insure your Pontiac every month? You’re in the same situation as many other drivers. Drivers have so many insurers to buy insurance from, and though it is a good thing to be able to choose, too many choices makes it more difficult to find the lowest cost provider.

You need to check auto insurance prices quite often since insurance rates change regularly. If you had the best price for 6000 insurance six months ago there is a good chance you can find better rates now. You can find a lot of misleading information regarding auto insurance on the internet, so we’re going to give you the best ways to slash your auto insurance rates.

Finding the best rates is easy if you know what you’re doing. If you have a policy now or need new coverage, you can use these techniques to get lower rates while maintaining coverages. Drivers only need to know the most efficient way to find the lowest price online.

What determines your Pontiac 6000 insurance premium

Consumers need to have an understanding of the rating factors that come into play when calculating your insurance rates. Knowing what influences your rates enables informed choices that can help you get big savings.

  • High deductibles save money – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your Pontiac. Some instances where coverage would apply could be a windshield shattered by a rock, damage caused by hail, and burglary. Physical damage deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. The higher the amount you are required to pay out-of-pocket, the lower your rates will be for 6000 insurance.
  • An active claims history can cost you – If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Insurance companies generally give better rates to insureds who do not rely on their insurance for small claims. Your insurance policy is intended for the large, substantial claims.
  • With age comes lower rates – Teenage drivers have a tendency to be careless and easily distracted in a vehicle so they pay higher insurance rates. Mature drivers are more cautious drivers, tend to file fewer claims and are safer drivers.
  • Safer cars cost less to insure – Vehicles with high crash test scores are cheaper to insure. These vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates. If your Pontiac earned at least four stars on or an “acceptable” rating on you may qualify for a discount.
  • A clean driving record saves money – A bad driving record has a huge affect on how much you pay. Drivers with clean records have lower premiums than people who have multiple driving citations. Only having one ticket may increase your cost by twenty percent. If you have severe violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
  • Your location is important – Living in a rural area has it’s advantages when talking about insurance. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims. Urban drivers have congested traffic and a longer drive to work. More time commuting can result in more accidents.

How to Buy Car Insurance Online

Getting better 1990 Pontiac 6000 car insurance pricing is actually quite simple. Drivers just need to take a few minutes getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  1. The best way consumers can analyze rates is a comparison rater form click here to open form in new window. This type of form saves time by eliminating a different quote for every car insurance company. Taking the time to complete one form will return price quotes from car insurance companies with the best prices.
  2. Another way to obtain and compare quotes online requires you to visit the website for each individual company to complete a price quote. For instance, let’s assume you want comparison quotes from Farmers, Safeco and Liberty Mutual. You would have to go to every website and enter your policy data, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The hardest method of getting rate comparisons is driving to different agent offices. The ability to buy insurance online makes this process obsolete unless you prefer the professional guidance of a licensed agent. It is possible to get prices online and get advice from an agent in your area and we’ll talk about that later.

Whichever way you use, make sure you use identical coverage limits on every quote you get. If your comparisons have different values for each quote you will not be able to make an equal comparison.

Pay less by taking advantage of discounts

Car insurance companies do not list all their discounts very well, so the following is a list of some of the more common and also the lesser-known savings tricks you should be using. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Drive Safe and Save – Safe drivers may save up to 50% more for 6000 insurance than drivers with accidents.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident without raising rates as long as you don’t have any claims prior to the accident.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you could get a free insurance coverage policy, you’re out of luck.

Insurance companies who might offer these money-saving discounts are:

Check with each insurance company which discounts you may be entitled to. Savings might not apply in every state.

Your coverage should be tailored to you

When it comes to choosing proper insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions can aid in determining whether your personal situation could use an agent’s help.

  • Is motorclub coverage worth it?
  • Is business property covered if stolen from my car?
  • Do I need replacement cost coverage on my 1990 Pontiac 6000?
  • Is my 1990 Pontiac 6000 covered for flood damage?
  • Are split liability limits better than a combined single limit?
  • Should I file a claim if it’s only slightly more than my deductible?
  • When would I need rental car insurance?
  • Is pleasure use cheaper than using my 1990 Pontiac 6000 to commute?
  • What is medical payments coverage?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverages

Knowing the specifics of car insurance helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average car insurance policy.

Comprehensive insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as theft, damage from a tornado or hurricane, damage from getting keyed and a broken windshield. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage

Collision coverage pays for damage to your 6000 resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a ditch, crashing into a building and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses like funeral costs, X-ray expenses, hospital visits, ambulance fees and pain medications. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage


Liability coverage protects you from damage that occurs to other people or property in an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

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 policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like loss of income, pain and suffering, bail bonds, funeral expenses and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Pontiac 6000.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Summing up your auto insurance search

We just presented many ways to shop for 1990 Pontiac 6000 insurance online. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. You may even discover the lowest premiums are with a small local company. Regional companies may often insure only within specific states and give getter rates than their larger competitors like State Farm, GEICO and Nationwide.

While you’re price shopping online, do not buy less coverage just to save a little money. There have been many situations where consumers will sacrifice full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Cheaper insurance can be purchased on the web as well as from independent agents, so compare prices from both to get a complete price analysis. Some insurance companies don’t offer you the ability to get quotes online and these small, regional companies work with independent agents.

To learn more, take a look at the resources below: