View 2003 Pontiac Montana Insurance Quotes

Trying to find cheaper insurance rates for your Pontiac Montana? I can’t think of a single person who likes having to buy insurance, particularly when the cost is too high. Consumers have many insurance companies to buy insurance from, and though it is a good thing to have a choice, lots of choices makes it harder to compare company pricing.

Lots of discounts mean lots of savings

Auto insurance companies do not list all their discounts in an easy-to-find place, so here is a list some of the more common and the harder-to-find insurance coverage savings. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for Montana insurance depending on your company.
  • One Accident Forgiven – A handful of insurance companies allow you one accident without raising rates if your claims history is clear prior to the accident.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • No Claims – Drivers who don’t have accidents pay much less when compared to bad drivers.
  • Homeowners Savings – Owning a home can help you save on insurance coverage due to the fact that maintaining a home demonstrates responsibility.

Keep in mind that most credits do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, you’re out of luck.

Car insurance companies that may offer these discounts include:

Before buying, ask each insurance company which discounts you may be entitled to. All car insurance discounts may not be available in your area.

Situations that might require an agent

When it comes to buying the right insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that might point out whether you could use an agent’s help.

  • Can I still get insurance after a DUI?
  • What is high-risk coverage and where do I buy it?
  • If my 2003 Pontiac Montana is totaled, can I afford another vehicle?
  • What are the financial responsibility laws in my state?
  • Does my 2003 Pontiac Montana qualify for pleasure use?
  • Where can I find DUI or SR-22 insurance?
  • Can my babysitter drive my car?
  • Where can I find high-risk insurance?

If you can’t answer these questions but you know they 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, complete this form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.

Insurance coverage considerations

Learning about specific coverages of your policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages found on the average insurance policy.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses for things like prosthetic devices, EMT expenses, chiropractic care, X-ray expenses and nursing services. The coverages can be used to cover expenses not covered by 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 is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like fire damage, hitting a deer and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance

This coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as repair bills for other people’s vehicles, bail bonds, medical services, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Collision coverage protection

Collision coverage will pay to fix damage to your Montana from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as hitting a mailbox, scraping a guard rail, crashing into a building and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Pontiac Montana.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Be Smart and Buy Smart

You just learned quite a bit of information on how to compare 2003 Pontiac Montana insurance prices online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the best prices are with a lesser-known regional company. They can often insure niche markets at a lower cost than their larger competitors like Allstate, Geico and Progressive.

Budget-conscious insurance can be sourced on the web and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

More tips and info about auto insurance is located at these sites: