2002 Pontiac Bonneville Insurance Rates – 8 Tips for Best Quotes

Want better insurance coverage rates for your Pontiac Bonneville? Overpriced Pontiac Bonneville insurance can overdraw your savings account and force you to make sacrifices. Doing a price comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

There is such a variety of auto insurance companies to choose from, and though it is a good thing to have a selection, having more auto insurance companies makes it harder to adequately compare rates.

Cheap Insurance Coverage Comparisons

There are several ways to shop for Pontiac Bonneville insurance coverage, but there is one way that is less labor-intensive and much quicker. You can waste hours discussing policy coverages with local insurance agents in your area, or you could use online quotes to accomplish the same thing much quicker.

All the larger companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each company then gives them pricing based on that data. This prevents consumers from doing quote requests for every insurance coverage company.

To use this form to compare 2002 Pontiac Bonneville insurance rates click to open in new window.

The one disadvantage to using this type of form is you cannot specify the providers you will receive quotes from. So if you prefer to pick specific providers to compare rates, we have a page of the cheapest insurance coverage companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just compare apples-to-apples coverage limits and deductibles on every quote you get. If you use different liability limits it’s not possible to make an equal comparison. Quoting even small variations in coverage limits can make a big difference in price. Just keep in mind that more quotes will enable you to find the best price.

Companies offer discounts so take them!

Properly insuring your vehicles can get expensive, but companies offer discounts to help offset the cost. Certain discounts will be applied when you quote, but lesser-known reductions have to be asked about prior to receiving the credit.

  • Save with a New Car – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you may earn approximately 10% to 15%.
  • Paperless Signup – A few companies may give you up to $50 for buying your policy over the internet.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates for Bonneville insurance than their less cautious counterparts.
  • Organization Discounts – Participating in certain professional organizations could qualify you for a break on your policy for Bonneville insurance.
  • Homeowners Savings – Owning a house may trigger a car insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts could cut 10% or more off your medical payments premium.

Consumers should know that many deductions do not apply to the entire policy premium. Most only cut specific coverage prices like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount will bring down your overall premium however.

For a list of insurers with discount car insurance rates, click here.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. For instance, these questions may help you determine whether or not you might need professional guidance.

  • Am I covered when driving on a suspended license?
  • Where can I find high-risk insurance?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need more liability coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need to file an SR-22 for a DUI in my state?
  • How can I force my company to pay a claim?
  • Does my 2002 Pontiac Bonneville qualify for pleasure use?
  • When should I drop full coverage on my 2002 Pontiac Bonneville?
  • How many claims can I have before being cancelled?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Insurance policy specifics

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages offered by insurance companies.

Collision coverage protection

This coverage covers damage to your Bonneville resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as sustaining damage from a pot hole, damaging your car on a curb, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, damage from flooding and hail damage. 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 probably time to drop comprehensive insurance.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for bills for chiropractic care, doctor visits, hospital visits and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Pontiac Bonneville.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually these limits do not exceed the liability coverage limits.

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to other’s property or people in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like funeral expenses, loss of income, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Pennies from heaven

Throughout this article, we presented many tips how you can lower your 2002 Pontiac Bonneville insurance rates. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Drivers may discover the most savings is with the smaller companies. Regional companies can often insure niche markets at a lower cost than their larger competitors like State Farm, Geico and Nationwide.

When buying insurance coverage, do not buy poor coverage just to save money. There have been many cases where an insured dropped liability coverage limits to discover at claim time that the savings was not a smart move. The proper strategy is to get the best coverage possible at the best price, not the least amount of coverage.

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