Cheaper 1995 Pontiac Bonneville Car Insurance Rates

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us when we tell you there are many people just like you.

Companies like State Farm, Allstate, GEICO and Progressive continually bombard you with ads and consumers find it hard to see through the cute green geckos and mayhem and take the time to shop coverage around.

Consumers should take time to do rate comparisons occasionally because rates are adjusted regularly by insurance companies. Just because you had the lowest rates on Bonneville insurance a year ago a different company probably has better rates today. So forget all the misinformation about auto insurance because you’re going to learn one of the best ways to save on auto insurance.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these tips. Finding affordable coverage is not that difficult. But drivers do need to learn the way companies sell online.

Comparison of Insurance Coverage

There are several ways to shop for Pontiac Bonneville insurance coverage, but one way is easier and takes less work. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you could use online quoting to get rate comparisons in just a few minutes.

All the larger companies participate in a marketplace where prospective buyers enter their coverage request one time, and at least one company then gives them pricing. This eliminates the need for quote forms to each individual insurance coverage company.

To access this free quoting program, click here (opens in new window).

One minor caviat to using this type of form is you don’t know exactly which insurance companies you want to price. So if you prefer to choose specific insurance companies to compare prices, we have assembled a list of low cost insurance coverage companies in your area. Click to view list.

It’s up to you which method you use, but make darn sure you compare exactly the same coverage limits on every quote. If the quotes have unequal deductibles or liability limits it will be next to impossible to determine the best price for your Pontiac Bonneville. Just a small difference in coverages can mean a large discrepancy in price. And when quoting insurance coverage, remember that getting more free quotes helps you find a better price.

Discounts to lower 1995 Pontiac Bonneville insurance rates

Insuring your fleet can be pricey, but you can get discounts that you may not know about. Most are applied at quote time, but a few need to be manually applied prior to getting the savings.

  • Passive Restraint Discount – Factory air bags may earn rate discounts of more than 20%.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% on Bonneville insurance with certain companies.
  • Low Mileage Discounts – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
  • No Claims – Drivers who don’t have accidents can earn big discounts as compared to accident-prone drivers.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears you could get a free auto insurance policy, auto insurance companies aren’t that generous. Any qualifying discounts will reduce your overall premium however.

To see a list of insurers offering auto insurance discounts, follow this link.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For example, these questions might point out whether your personal situation might need an agent’s assistance.

  • Does my policy pay for OEM or aftermarket parts?
  • Is there coverage for injuries to my pets?
  • Do I need more liability coverage?
  • Is my camper covered by my car insurance policy?
  • Why am I required to get a high-risk car insurance policy?
  • What is the minimum liability in my state?
  • Can I drive in Mexico and have coverage?
  • When should I not file a claim?
  • Why am I required to buy high-risk coverage?

If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area.

Elements that influence Pontiac Bonneville insurance rates

An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for auto insurance. Understanding what controls the rates you pay helps enable you to make changes that can help you get better auto insurance rates.

Shown below are a partial list of the pieces that factor into your rates.

  • A clean driving record saves money – Your driving citation history has a huge affect on how much you pay. Just one citation may increase your cost forty percent or more. Drivers with clean records get better rates than bad drivers. Drivers who have serious citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 with the DMV in their state in order to continue driving.
  • Your stress level may be raising your rates – Jobs such as real estate brokers, social workers and financial analysts are shown to have higher average rates because of high stress and lots of time spent at work. Conversely, occupations such as pilots, engineers and the unemployed pay the least on Bonneville insurance.
  • Big city or small town – Being located in a small town is a positive aspect when insuring your vehicles. Less people living in that area translates into fewer accidents. Drivers who live in large cities regularly have more traffic problems and a longer drive to work. Higher commute times means higher likelihood of an accident.
  • Poor credit can mean higher rates – Having a bad credit score is a important factor in calculating your auto insurance rates. If your credit is lower than you’d like, you could pay less to insure your 1995 Pontiac Bonneville by spending a little time repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with poor credit.
  • Car features impact rates – Choosing a vehicle with a theft deterrent system can save you a little every year. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
  • Never go without insurance – Allowing your coverage to lapse is a quick way to trigger a rate increase. And not only will insurance be more expensive, failure to provide proof of insurance might get you a revoked license or a big fine.
  • Being married is a good thing – Being married can actually save you money on your auto insurance policy. It translates into being more mature and responsible and it’s proven that married couples file fewer claims.
  • Men pay higher rates – Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. Men and women tend to get into accidents at about the same rate, but the males have costlier accidents. They also receive more costly citations such as reckless driving. Teenage male drivers are most likely to cause an accident and are penalized with high auto insurance rates.

Don’t listen to company ads

Car insurance providers like 21st Century, Allstate and State Farm consistently run ads in print and on television. They all make the same claim of big savings if you change to them. How can each company make almost identical claims?

Different companies have a preferred profile for the type of driver they prefer to insure. A good example of a preferred risk could possibly be over the age of 50, has no prior claims, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” is entitled to the best price and therefore will pay quite a bit less when switching companies.

Drivers who don’t meet the “perfect” profile will be charged higher premiums which usually ends up with the driver buying from a lower-cost company. The ads state “people who switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can claim big savings.

That is why it is so important to compare many company’s rates. Because you never know the company that will fit your personal profile best.

Detailed coverages of your car insurance policy

Having a good grasp of your policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverage types available from car insurance companies.

Liability coverages – Liability coverage can cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like repair costs for stationary objects, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like vandalism, hitting a deer and damage from getting keyed. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverages – Collision coverage will pay to fix damage to your Bonneville from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a ditch, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as X-ray expenses, pain medications, funeral costs and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage – This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Pontiac Bonneville.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

A little work can save a LOT of money

While you’re price shopping online, you should never sacrifice coverage to reduce premiums. There are too many instances where an insured cut physical damage coverage to discover at claim time that it was a big mistake. The ultimate goal is to buy a smart amount of coverage at the best price, not the least amount of coverage.

Low-cost 1995 Pontiac Bonneville insurance can be bought both online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies may not provide online quoting and these smaller companies work with independent agents.

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