2000 Pontiac Montana Car Insurance Quotes

Looking for the cheapest insurance coverage rates for your Pontiac Montana? Have you had enough of trying to scrape together enough money to pay your car insurance bill each month? Your situation is no different than many other drivers. Having so many insurance companies to choose from, it is very difficult to choose the lowest cost company.

It’s a good idea to get comparison quotes once or twice a year since insurance rates are adjusted regularly by insurance companies. Even if you got the lowest rates for Montana insurance a few years ago there may be better deals available now. Don’t believe everything you read about insurance coverage online, so by reading this article, you’re going to learn some tested techniques to find cheap insurance coverage.

Finding affordable coverage is not that difficult. If you have insurance now or are looking for a new policy, you can use these tips to find better prices while maximizing coverage. Consumers only need to know the tricks to shop online.

Discounts are great for lower rates

Companies offering auto insurance do not advertise all available discounts in an easy-to-find place, so we took the time to find some of the more common and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Paperless Signup – A few companies may give you up to $50 for buying your policy over the internet.
  • Drive Less and Save – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Multi-policy Discount – If you have multiple policies with one company you will save up to 20% off your total premium.
  • Defensive Driving Course – Taking part in a course in driver safety can save you 5% or more depending on where you live.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can get savings of more than 20%.
  • College Student – Children living away from home attending college without a vehicle on campus can receive lower rates.
  • Memberships – Affiliation with a civic or occupational organization is a good way to get lower rates when buying car insurance for Montana insurance.
  • One Accident Forgiven – Certain companies will forgive one accident before raising your premiums as long as you don’t have any claims for a set time period.
  • Homeowners Savings – Owning a house may earn you a small savings because maintaining a house demonstrates responsibility.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Most only cut specific coverage prices like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, it doesn’t quite work that way.

Insurance companies that possibly offer these money-saving discounts are:

Double check with each company which discounts you may be entitled to. All car insurance discounts may not apply in your state.

You may need specialized coverage

When buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might help in determining if your insurance needs will benefit from professional help.

  • Does my liability insurance cover pulling a trailer or camper?
  • Are split liability limits better than a combined single limit?
  • Do I need higher collision deductibles?
  • When should I drop full coverage on my 2000 Pontiac Montana?
  • When should I buy a commercial auto policy?
  • What is covered by UM/UIM coverage?
  • How do I insure my teen driver?
  • Does my 2000 Pontiac Montana qualify for pleasure use?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverages explained

Knowing the specifics of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverages found on most auto insurance policies.

Comprehensive auto coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, rock chips in glass, a tree branch falling on your vehicle, fire damage and hitting a deer. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for bills for things like chiropractic care, X-ray expenses, prosthetic devices and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability – This provides protection from injuries or damage you cause to other’s property or people in an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as emergency aid, repair bills for other people’s vehicles, repair costs for stationary objects, funeral expenses and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Pontiac Montana.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision – This covers damage to your Montana caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sideswiping another vehicle, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

A penny earned…

Cost effective 2000 Pontiac Montana insurance can be purchased from both online companies in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from. Some insurance providers do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, an insured cut full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

We just showed you many ideas to shop for insurance online. The key concept to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may even find the most savings is with a small mutual company. They may have significantly lower rates on certain market segments than their larger competitors like State Farm or Progressive.

More detailed auto insurance information can be read in these articles: