Looking for lower car insurance rates for your Pontiac Bonneville? Are you a victim of overpriced car insurance? Believe me when I say you are not the only one feeling buyer’s remorse.
Multiple car insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurers and get the best coverage at the best rates possible.
Properly insuring your vehicles can get expensive, but there could be available discounts to help bring down the price. A few discounts will automatically apply at the time of quoting, but some must be asked about before being credited.
It’s important to understand that most discount credits are not given to all coverage premiums. The majority will only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will help reduce your overall premium however.
To see a list of companies who offer auto insurance discounts, click here.
When buying proper insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different so this has to be addressed. For example, these questions may help you determine whether or not you could use an agent’s help.
If it’s difficult to answer those questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.
Having a good grasp of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. These are typical coverage types found on most auto insurance policies.
Liability car insurance – Liability insurance can cover damage that occurs to a person or their property. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.
Liability coverage has 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 limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.
Liability insurance covers things like repair costs for stationary objects, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.
Comprehensive coverage – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like fire damage, hitting a deer, damage from flooding, hitting a bird and rock chips in glass. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like prosthetic devices, pain medications, ambulance fees, EMT expenses and chiropractic care. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP is not available in all states and may carry a deductible
Collision coverage – Collision insurance covers damage to your Bonneville caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like hitting a mailbox, sideswiping another vehicle, backing into a parked car, colliding with a tree and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.
You just learned quite a bit of information on how to save on 1991 Pontiac Bonneville insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising. They may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm and Allstate.
When you buy insurance online, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, someone dropped liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find at the best price, not the least amount of coverage.
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