How Much Does 1998 Pontiac Bonneville Insurance Cost?

Having to pay for overpriced auto insurance can overdraw your bank account and put the squeeze on your family’s finances. Comparing price quotes is a smart way to reduce premiums and put more money in your pocket. Having so many choices of insurance companies, it can be diffult for consumers to find the cheapest car insurance company.

How to Lower Your Insurance Coverage Cost

Performing a rate comparison can be challenging if you don’t know the fastest way to get free quotes. You could spend your day driving to insurance companies in your area, or you can stay home and use the internet to get prices fast.

Many insurance companies enroll in a system that allows shoppers to submit their information once, and each company then returns a price quote. This system prevents you from having to do form submissions for each company you want a rate for.

To enter your information into the quoting system, click to open in new window.

The single downside to using this type of form is you don’t know exactly which companies you will receive quotes from. So if you want to select specific insurance companies to compare rates, we have a listing of companies who write insurance coverage in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make darn sure you compare the exact same coverage limits and deductibles with every price quote. If the quotes have different deductibles it’s impossible to find the best deal for your Pontiac Bonneville.

Cut your premium with discounts

Companies offering auto insurance don’t necessarily list all their discounts very clearly, so we took the time to find both well-publicized as well as the least known ways to save on insurance. If you’re not getting every credit available, you are paying more than you should be.

  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The discount lasts until age 25.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy could earn a price break for each car.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • No Accidents – Good drivers with no accidents pay much less when compared to accident-prone drivers.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper compared to insuring an older model.

Drivers should understand that some credits don’t apply to the entire cost. A few only apply to individual premiums such as liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Car insurance companies that possibly offer these benefits may include but are not limited to:

Before buying, ask each insurance company which discounts they offer. Savings might not apply everywhere.

What is the best insurance coverage?

When it comes to choosing coverage for your vehicles, there is no one size fits all plan. Every situation is different so your insurance needs to address that. These are some specific questions may help highlight if your situation might need professional guidance.

  • Am I covered if I hit my neighbor’s mailbox?
  • Is business property covered if stolen from my car?
  • Am I better off with higher deductibles on my 1998 Pontiac Bonneville?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • When do I need to add a new car to my policy?
  • Are my tools covered if they get stolen from my vehicle?
  • Why does it cost so much to insure a teen driver?
  • Does my insurance cover my expensive audio equipment?
  • Which is better, split liability limits or combined limits?
  • Is extra glass coverage worth it?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Specific coverage details

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. These are typical coverages found on the average insurance policy.

Collision coverage

Collision coverage pays for damage to your Bonneville resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, crashing into a ditch, sideswiping another vehicle, backing into a parked car and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like vandalism, a broken windshield, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for pain medications, prosthetic devices, doctor visits, surgery and EMT expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things such as court costs, pain and suffering, funeral expenses and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Pontiac Bonneville.

Due to the fact that many drivers 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 important protection for you and your family.