1993 Pontiac Bonneville Insurance Rates

Expensive auto insurance can overdraw your personal savings and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to help make ends meet.

Insurance companies such as Geico, Progressive and Allstate all promote huge savings with ads and it is difficult to see through the cute green geckos and mayhem and take the time to shop coverage around.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these tips. Finding affordable coverage is not rocket science. But car owners must comprehend the methods companies use to sell online and use this information to your advantage.

Finding Auto Insurance

To find the best auto insurance prices, there are several ways of comparing rate quotes from local auto insurance companies. The quickest method to find competitive 1993 Pontiac Bonneville insurance rates is to get quotes online. It is quite easy and can be accomplished in a couple of different ways.

The easiest and least time consuming way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This method keeps you from doing separate quote forms for every auto insurance company. One form submission will return quotes from all major companies.
A different way to get comparison quotes requires you to visit each company’s website and request a quote. For sake of this example, we’ll assume you want rates from Progressive, Allstate and Geico. To get each rate you have to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but double check that you are using the exact same information for each price quote. If you have mixed coverages you will not be able to decipher which rate is best. Just a small difference in coverages may result in large price differences. And when quoting auto insurance, remember that comparing more company’s prices will improve the odds of getting the best offered rates.

You probably qualify for some discounts

Insurance can be prohibitively expensive, but there are discounts available that can drop the cost substantially. Some discounts apply automatically at the time of quoting, but less common discounts must be inquired about prior to receiving the credit.

Low Mileage Discounts – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
E-sign – A few companies will discount your bill up to fifty bucks just for signing your application over the internet.
One Accident Forgiven – A few companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
Safety Course Discount – Taking part in a driver safety course could possibly earn you a 5% discount depending on where you live.
Auto/Life Discount – Larger companies have lower rates if you buy life insurance.
Multi-policy Discount – If you insure your home and vehicles with the same insurance company you will save up to 20% off your total premium.
Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
Passive Restraint Discount – Factory air bags or motorized seat belts can receive discounts up to 30%.

Keep in mind that most discounts do not apply to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. So when it seems like adding up those discounts means a free policy, you’re out of luck. But any discount will help reduce the amount you have to pay.

Car insurance companies that may have these money-saving discounts include:

Double check with each insurance company what discounts are available to you. Some discounts might not be offered everywhere.

There’s no such thing as the perfect policy

When choosing proper insurance coverage, there really is no one size fits all plan. Every situation is different so your insurance needs to address that. For instance, these questions may help highlight whether you could use an agent’s help.

Is pleasure use cheaper than using my 1993 Pontiac Bonneville to commute?
When should I not file a claim?
Is my business laptop covered if it gets stolen from my vehicle?
Is a blown tire covered by insurance?
Do I need PIP (personal injury protection) coverage in my state?
Does coverage extend to my business vehicle?
Does my insurance cover damage caused when ticketed for reckless driving?
Why am I required to buy liability insurance?
I have health insurance so do I need medical payments coverage?
Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Learn about auto insurance coverages for a Pontiac Bonneville

Understanding the coverages of your auto insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages found on the average auto insurance policy.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as fire damage, vandalism, a broken windshield and falling objects. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability insurance

This will cover damage that occurs to people or other property. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like pain and suffering, bail bonds and attorney fees. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Auto collision coverage

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like hitting a parking meter, scraping a guard rail, rolling your car, damaging your car on a curb and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for expenses such as EMT expenses, surgery, hospital visits, doctor visits and dental work. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Pontiac Bonneville.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.