Looking for lower auto insurance rates for your Pontiac Bonneville? Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out.
Insurance companies such as State Farm and GEICO all promote huge savings with catchy ads and it can be hard to see through the deception and effectively compare rates to find the best deal.
If you currently have a car insurance policy, you should be able to reduce your rates substantially using these tips. Finding affordable coverage is quite easy. But drivers must learn how big insurance companies sell insurance online and take advantage of how the system works.
Companies that sell car insurance don’t always advertise all available discounts in a way that’s easy to find, so here is a list both well-publicized and also the lesser-known insurance coverage savings.
It’s important to understand that many deductions do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.
A partial list of companies that may offer these benefits include:
It’s a good idea to ask every prospective company which discounts you may be entitled to. Discounts might not apply in every state.
When buying coverage, there really is not a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions could help you determine if you might need professional guidance.
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Knowing the specifics of a insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. These are typical coverages offered by insurance companies.
Collision insurance pays for damage to your Bonneville caused by collision with another car or object. A deductible applies then your collision coverage will kick in.
Collision coverage pays for things such as crashing into a ditch, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like X-ray expenses, surgery and ambulance fees. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible
Comprehensive or Other Than Collision
Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like rock chips in glass, fire damage, hitting a deer and theft. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
This coverage protects you from damage or injury you incur to people or other property that is your fault. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.
Liability coverage pays for claims like legal defense fees, attorney fees, medical services and structural damage. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.
This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Pontiac Bonneville.
Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.
When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. Too many times, an insured cut uninsured motorist or liability limits to discover at claim time that it was a big error on their part. The aim is to purchase a proper amount of coverage at a price you can afford.
Cheaper 1993 Pontiac Bonneville insurance can be found online and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.
Even more information can be read in these articles: