1996 Pontiac Bonneville Insurance Cost

Searching for cheaper insurance coverage rates? Consumers have a choice when looking for low-cost Pontiac Bonneville insurance. You can either waste hours calling around to get rate comparisons or use the internet to get rate quotes.

There is a right way and a wrong way to shop for insurance coverage so you’re going to learn the proper way to quote coverages for a Pontiac and find the cheapest rates.

If you have a policy now or are just looking to switch companies, you will benefit by learning to shop for the lowest rates while maintaining coverages. The purpose of this post is to tell you the best way to quote coverages and some tips to save money. Drivers just need to know the most efficient way to compare prices online.

Don’t miss out on these money-saving discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not even be aware of. Certain discounts will be applied when you complete an application, but a few need to be inquired about before you get the savings. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Student in College – Any of your kids living away from home attending college and don’t have a car may be able to be covered for less.
  • Accident Waiver – Certain companies will forgive one accident before your rates go up if your claims history is clear prior to the accident.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Bonneville insurance than less cautious drivers.
  • Drivers Ed for Students – Have your child complete a driver education course if offered at their school.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Multiple Policy Discount – When you have multiple policies with one insurance company you will save up to 20% off your total premium.
  • No Accidents – Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
  • E-sign – Certain companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Pontiac could qualify for a substantially lower rate.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company could earn a price break for each car.

It’s important to understand that most of the big mark downs will not be given the the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way. But any discount will help reduce the amount you have to pay.

To see a list of insurance companies offering car insurance discounts, follow this link.

Automobile Insurance Quotes

There are a lot of ways you can shop for insurance and some are more efficient than others. You can spend countless hours driving to insurance companies in your area, or you could use the web to get pricing more quickly.

Many popular insurance companies participate in a marketplace where prospective buyers submit their information once, and each company provides a quote based on that information. This system prevents you from having to do quotation requests to each individual insurance company.

To use this form to compare 1996 Pontiac Bonneville insurance rates click here (opens in new window).

One minor caviat to getting quotes like this is buyers cannot specifically choose the insurers you will receive quotes from. So if you prefer to pick from a list of companies for rate comparison, we have a page of insurance companies in your area. Click here to view list.

Which method you use is up to you, but ensure you are comparing the exact same information with every price quote. If you compare different deductibles it will be next to impossible to determine the lowest rate for your Pontiac Bonneville.

Do I need special coverages?

When buying proper insurance coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.

  • Exactly who is provided coverage by my policy?
  • Why am I required to buy high-risk coverage?
  • What is no-fault insurance?
  • Are my friends covered when driving my 1996 Pontiac Bonneville?
  • When should I not file a claim?
  • When should I buy a commercial auto policy?
  • Am I covered if I drive in a foreign country?
  • Is other people’s property covered if stolen from my vehicle?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Insurance coverage basics

Learning about specific coverages of a insurance policy can help you determine the right coverages for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement.

Coverage for collisions

This coverage will pay to fix damage to your Bonneville caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as hitting a mailbox, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance

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

Comprehensive can pay for things like damage from a tornado or hurricane, hail damage, damage from flooding and damage from getting keyed. 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)

Coverage for medical payments and/or PIP pay for short-term medical expenses for rehabilitation expenses, pain medications, hospital visits and X-ray expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Pontiac Bonneville.

Because many people 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 do not exceed the liability coverage limits.

Coverage for liability

This coverage protects you from damages or injuries you inflict on other people or property. This insurance protects YOU against other people’s claims, 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 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as bail bonds, medical expenses, legal defense fees and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

And the best car insurance company is…

When you buy insurance online, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to regret that it was a big error on their part. The proper strategy is to find the BEST coverage for the lowest price while still protecting your assets.

In this article, we presented quite a bit of information on how to shop for 1996 Pontiac Bonneville insurance online. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with a lesser-known regional company.

Insureds leave their current company for a number of reasons such as questionable increases in premium, not issuing a premium refund, lack of trust in their agent or even high rates after DUI convictions. Whatever your reason, choosing a new company is actually quite simple.

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