2002 Pontiac Montana Car Insurance Cost – 6 Tips for Cheaper Prices

Trying to find better insurance rates for your Pontiac Montana? Having to pay for overpriced Pontiac Montana insurance can overdraw your personal savings and put a big crunch on your finances. Comparison shopping is a great way to lower your monthly bill.

Companies like GEICO, 21st Century and Progressive all claim big savings with ad campaigns and it can be hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

Smart consumers take time to shop coverage around quite often because insurance rates tend to go up over time. Just because you had the best price on Montana insurance last year there may be better deals available now. There is a lot of wrong information about insurance on the web, but with this article, you’re going to get the best ways to buy insurance cheaper.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Finding the best rates is not rocket science. But consumers must understand how insurance companies market insurance on the web.

Discounts are available to cut your rates

The cost of insuring your cars can be expensive, but you may find discounts to cut the cost considerably. Some discounts apply automatically when you complete an application, but some must be requested specifically before you will receive the discount.

  • New Vehicle Savings – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Sign Online – A handful of insurance companies will give a small break for buying a policy and signing up online.
  • Defensive Driving Course – Taking part in a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Drivers Ed for Students – Have your child enroll in driver’s education in high school.
  • Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.

Drivers should understand that most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, you won’t be that lucky. Any qualifying discounts will reduce your overall premium however.

A partial list of companies that may offer these benefits include:

Before buying, ask all companies you are considering what discounts are available to you. Some discounts may not apply in every state.

Everyone needs different coverages

When choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. For instance, these questions might point out if you may require specific advice.

  • Am I covered by my spouse’s policy after a separation?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I getting all the discounts available?
  • What should my uninsured motorist coverage limits be in my state?
  • Does medical payments coverage apply to all occupants?
  • Is there coverage for injuries to my pets?
  • Can I drive in Mexico and have coverage?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Do you really save 40% when you switch?

Companies like State Farm, GEICO and Progressive regularly use television and radio advertisements. All the ads have a common claim about savings if you move to them. How does each company say the same thing?

All the different companies have a preferred profile for the driver they prefer to insure. A good example of a preferred risk might be profiled as between the ages of 40 and 55, is a homeowner, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who don’t measure up to this ideal profile must pay more money and this can result in business going elsewhere. The ads state “customers that switch” not “everyone that quotes” save that much money. This is how companies can advertise the way they do.

This illustrates why it’s extremely important to get a wide range of price quotes. You cannot predict which insurance company will give you the biggest savings on Pontiac Montana insurance.

Coverage specifics

Learning about specific coverages of auto insurance aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages available from auto insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Collision coverage protection

Collision insurance will pay to fix damage to your Montana caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like sustaining damage from a pot hole, crashing into a building, scraping a guard rail, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like ambulance fees, nursing services, chiropractic care and hospital visits. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages

This coverage provides protection from damage that occurs to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for things like funeral expenses, loss of income, legal defense fees, attorney fees and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, a tree branch falling on your vehicle, fire damage and damage from getting keyed. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Don’t throw your cash in the trash

In this article, we presented many ideas to reduce 2002 Pontiac Montana insurance prices online. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. Consumers could even find that the most savings is with an unexpected company. They can often provide lower rates in certain areas than the large multi-state companies such as State Farm or Progressive.

Affordable insurance is definitely available online as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who don’t offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

For more information, take a look at the articles below: