2003 Pontiac Bonneville Insurance Quotes – 9 Ways to Save

Buyers have many options when searching for affordable Pontiac Bonneville insurance. They can either spend hours driving around to get rate comparisons or utilize the internet to find the lowest rates.

There is a better way to find auto insurance online so we’re going to tell you the absolute fastest way to quote coverages for your Pontiac and obtain the lowest price from local insurance agents and online providers.

You need to compare prices yearly because prices go up and down regularly. Just because you found the lowest price for Bonneville insurance a few years ago the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because we’re going to demonstrate the best way to get good coverage at a lower rate.

If you are insured now or need new coverage, you can learn to find the best rates and possibly find even better coverage. The purpose of this post is to help you learn the best way to quote coverages and some tips to save money. Vehicle owners just need to understand the best way to compare prices over the internet.

Comparison of Insurance

There are a variety of methods to compare 2003 Pontiac Bonneville insurance prices and some are easier and takes less work. You can waste hours talking to local insurance agents in your area, or you can utilize the web to achieve your goal.

All the larger companies belong to a marketplace that allows shoppers to complete one form, and each participating company returns a competitive quote determined by their information. This prevents consumers from doing quote forms to each company.

To find out what other companies charge for 2003 Pontiac Bonneville insurance click to open in new window.

The only downside to getting quotes like this is that consumers can’t choose the providers to get pricing from. If you would rather choose specific insurance companies to compare prices, we have assembled a list of low cost insurance companies in your area. Click to view list.

Which method you use is up to you, but ensure you are comparing the exact same coverage information with every price quote. If you have different liability limits you will not be able to determine the best price for your Pontiac Bonneville.

Discounts mean cheaper 2003 Pontiac Bonneville insurance rates

Properly insuring your vehicles can get expensive, but you may find discounts to help bring down the price. Larger premium reductions will be automatically applied when you quote, but some must be asked for before you will receive the discount. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Homeowners Discount – Owning a home can help you save on insurance because maintaining a house is proof that your finances are in order.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Bonneville insurance than less cautious drivers.
  • Accident Waiver – A few companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Driver Safety – Successfully completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • 55 and Retired – Mature drivers can possibly qualify for a discount up to 10% for Bonneville insurance.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.

Drivers should understand that most discount credits are not given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, you’re out of luck. But all discounts will cut the amount you have to pay.

Companies who might offer some of the above discounts are:

Double check with each company which discounts you may be entitled to. Savings may not be available in your state.

Tailor your coverage to you

When it comes to choosing adequate coverage, there is no perfect coverage plan. Every situation is different.

For instance, these questions can help discover if you will benefit from professional help.

  • Do I have newly-aquired coverage?
  • Are rock chip repairs covered?
  • Is rental equipment covered for theft or damage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Where can I get insurance after a DUI in my state?
  • Am I covered if my car is in a flood?
  • What are the best liability limits?
  • Will I lose any money if I cancel my policy before it expires?
  • What is an SR-22 filing?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Auto insurance coverage information

Having a good grasp of your policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability car insurance – This can cover damage or injury you incur to people or other property. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like legal defense fees, emergency aid, structural damage, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, vandalism and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for bills for X-ray expenses, rehabilitation expenses and pain medications. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Pontiac Bonneville.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.