Looking for cheaper auto insurance rates for your Pontiac Bonneville? No one likes paying for auto insurance, especially knowing the cost is way too high.
Insurance companies such as GEICO, 21st Century and Progressive all claim big savings, bombarding you with fancy advertisements and it is challenging if not impossible to separate fact from fiction and do the work needed to find the best deal.
You need to do rate comparisons once or twice a year because prices are usually higher with each renewal. Just because you had the best rates for Bonneville coverage two years ago you will most likely find a better rate today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to one of the quickest ways to eliminate unnecessary coverages and save money.
If you currently have a car insurance policy, you should be able to cut costs considerably using these techniques. Finding the best rates is quite easy. But consumers do need to learn the way insurance companies determine prices and take advantage of how the system works.
There are a variety of methods to compare 1996 Pontiac Bonneville insurance coverage quotes, but some are less labor-intensive and much quicker. You could spend the better part of a day driving to insurance agencies in your area, or you can stay home and use the internet to maximize your effort.
The majority of car insurance companies enroll in a system that enables customers to enter their coverage request one time, and at least one company can provide price quotes based on that data. This eliminates the need for form submissions for each company.
To use this form to compare 1996 Pontiac Bonneville insurance rates click here to open in new window.
The only drawback to doing it this way is buyers cannot specifically choose the insurers to receive prices from. If you wish to select specific insurance companies to compare rates, we have a page of insurance coverage companies in your area. Click here for list of insurance companies.
Whichever method you choose, make absolute certain that you use identical coverages and limits with each company. If each company quotes different deductibles you can’t possibly determine which rate is truly the best. Slightly different coverages may cause a big price difference. Keep in mind that comparing a large number of companies will improve the odds of getting better pricing.
When buying the best auto insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. For example, these questions could help you determine whether or not you might need an agent’s assistance.
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.
Having a good grasp of your insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverage types found on most insurance policies.
Medical payments and PIP coverage – Med pay and PIP coverage pay for short-term medical expenses like hospital visits, pain medications, X-ray expenses, EMT expenses and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Collision – This pays for damage to your Bonneville from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as driving through your garage door, crashing into a building and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.
Comprehensive auto coverage – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like falling objects, vandalism and theft. The maximum payout 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.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Bonneville.
Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually these coverages are set the same as your liablity limits.
Coverage for liability – Liability coverage will cover damage that occurs to other people or property in an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.
Liability can pay for things like court costs, emergency aid, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.