1990 Pontiac Bonneville Insurance Cost – 9 Ways to Save

Searching for better insurance rates for your Pontiac Bonneville? Purchasing the lowest cost insurance over the internet is somewhat difficult for consumers not familiar with shopping for insurance online. When there are so many insurance companies available, how can you even start to compare them all to find the best price?

Buying car insurance is not rocket science. If you are paying for car insurance now, you stand a good chance to be able to save some money using these tips. Although consumers do need to know the way insurance companies market insurance on the web because it can help you find the best coverage.

You probably qualify for some discounts

Companies that sell car insurance don’t list all available discounts in a way that’s easy to find, so the following is a list of some of the more common and the more hidden savings tricks you should be using.

  • Federal Employees – Simply working for the federal government may qualify you for a discount for Bonneville insurance with select insurance companies.
  • Memberships – Affiliation with a professional or civic organization is a good way to get lower rates when buying insurance coverage for Bonneville insurance.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for Bonneville insurance than drivers with accident claims.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Paperless Signup – Certain companies will give a small break simply for signing digitally online.
  • Resident Student – Kids in college who are attending college and do not have access to a covered vehicle can receive lower rates.
  • No Charge for an Accident – Certain companies will forgive one accident without raising rates as long as you don’t have any claims prior to the accident.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts can receive discounts of up to 25% or more.

Drivers should understand that some of the credits will not apply to the entire cost. Most cut the cost of specific coverages such as comp or med pay. So even though they make it sound like you could get a free insurance coverage policy, you won’t be that lucky.

For a list of companies with the best insurance coverage discounts, click this link.

Compare the Market for Car Insurance

There are multiple methods to compare 1990 Pontiac Bonneville car insurance prices but some are easier and takes less work. You can spend your afternoon talking about coverages with insurance companies in your area, or you can stay home and use the internet to get pricing more quickly.

Most major companies participate in an industry program where prospective buyers only type in their quote data once, and each company returns a competitive quote. This eliminates the need for form submissions to each individual car insurance company.

To compare pricing click here (opens in new window).

One minor caviat to getting quotes like this is you can’t choose the providers you want pricing from. So if you prefer to pick individual companies to compare, we have assembled a list of car insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just double check that you are using identical deductibles and coverage limits for each price quote. If the quotes have different liability limits then you won’t be able to truly determine the lowest rate. Just a small difference in coverages can result in a big premium difference. Just keep in mind that getting more free quotes will improve the odds of getting the best rates.

There’s no such thing as the perfect policy

When buying adequate coverage, there really is no “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.

  • Will I lose any money if I cancel my policy before it expires?
  • Does coverage extend to Mexico or Canada?
  • Where can I get insurance after a DUI in my state?
  • What is the rate difference between pleasure use and commuting?
  • How can I find cheaper teen driver insurance?
  • Do I pay less for low miles?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

What auto insurance coverages do you need?

Understanding the coverages of a auto insurance policy helps when choosing the best 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.

Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with another moving vehicle, crashing into a building, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Liability insurance – This coverage provides protection from damage that occurs to people or other property. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like repair costs for stationary objects, structural damage, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they 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 carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like theft, rock chips in glass, fire damage and hitting a deer. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like dental work, funeral costs and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Quote often and quote early

Consumers change insurance companies for a variety of reasons including unfair underwriting practices, extreme rates for teen drivers, being labeled a high risk driver or an unsatisfactory settlement offer. No matter why you want to switch, finding a great new company is not as hard as you think.

You just read quite a bit of information on how to compare 1990 Pontiac Bonneville insurance prices online. It’s most important to understand that the more times you quote, the better your comparison will be. Consumers could even find that the lowest rates come from a lesser-known regional company.

As you shop your coverage around, never reduce coverage to reduce premium. There are a lot of situations where someone dropped collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

Additional auto insurance information is located on the following sites: