Save on 2004 Pontiac Montana Insurance Rates

Paying for high-priced Pontiac Montana insurance can dwindle your personal savings and force you to prioritize other expenses. Doing a price comparison is a smart way to lower your monthly bill. Insurance companies such as Allstate, Progressive and Geico all claim big savings with ad campaigns and it is difficult to see through the cute green geckos and mayhem and find the best price available.

If you have a current auto insurance policy or need new coverage, you can use this information to reduce the price you pay and possibly find even better coverage. Finding the best rates is not that difficult. Drivers only need an understanding of the proper way to compare company rates on the web.

Compare Quotes for Car Insurance

There are multiple methods to compare 2004 Pontiac Montana car insurance prices and some are less time-consuming than others. You can waste hours talking to agents in your area, or you could save time and use the web for quick rates.

All the larger companies belong to a marketplace that enables customers to complete one form, and each company can provide price quotes. This eliminates the need for form submissions for each company.

To use this form to compare 2004 Pontiac Montana insurance rates click here to open in new window.

One minor caviat to getting quotes like this is you don’t know exactly the companies you want pricing from. So if you prefer to pick specific providers to compare, we have a listing of low cost car insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, make absolute certain that you use the exact same coverage information for every company. If you enter different liability limits it’s impossible to determine which rate is truly the best.

Can switching companies really save?

Drivers get pounded daily by advertisements that promise big savings by 21st Century, Allstate and State Farm. All the companies say the same thing of big savings if you move to their company.

How do they all say the same thing? It’s all in the numbers.

All the different companies have a preferred profile for the type of customer that is profitable for them. For example, a desirable insured might be over the age of 40, is a homeowner, and has excellent credit. A driver that hits that “sweet spot” will get the preferred rates and as a result will probably save when switching.

Potential insureds who fall outside this ideal profile must pay more money and this can result in the customer not buying. The ads say “drivers who switch” not “everyone that quotes” save that much. That’s why companies can advertise the way they do.

This illustrates why drivers should compare as many rates as you can. It’s not possible to predict which insurance companies will provide you with the cheapest Pontiac Montana insurance rates.

Pay less by taking advantage of discounts

Car insurance is not cheap, but you can get discounts to reduce the price significantly. Some discounts apply automatically when you get a quote, but some must be manually applied before you will receive the discount. If you aren’t receiving every discount available, you are throwing money away.

  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase life insurance.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% for Montana insurance with certain companies.
  • Drive Less and Save – Low mileage vehicles could be rewarded with a substantially lower rate.
  • Lower Rates for Military – Having a deployed family member can result in better rates.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can get savings up to 30%.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Accident Free – Drivers who don’t have accidents pay much less compared to bad drivers.
  • Distant Student – Youth drivers living away from home attending college without a vehicle on campus may be able to be covered for less.

Keep in mind that most discount credits are not given the the whole policy. Some only reduce individual premiums such as medical payments or collision. So even though they make it sound like you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will cut the cost of coverage.

Insurance companies that may offer some of the above discounts may include but are not limited to:

Before buying, ask every prospective company how you can save money. Some discounts may not apply in every state.

Your coverage should be tailored to you

When it comes to buying the best car insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can help discover whether or not you might need an agent’s assistance.

  • How can I find cheaper teen driver insurance?
  • How do I file an SR-22 for a DUI in my state?
  • When would I need additional glass coverage?
  • Does medical payments coverage apply to all occupants?
  • Is my dog or cat covered if injured in an accident?
  • What exactly is covered by my policy?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from 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 may give you better protection.

Insurance coverage options for a Pontiac Montana

Learning about specific coverages of your insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages found on most insurance policies.

Liability auto insurance

Liability insurance will cover damage that occurs to other’s property or people. It protects YOU against claims from other people. Liability 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. You might see limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like bail bonds, emergency aid and medical services. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Pontiac Montana.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, hitting a bird, hail damage and theft. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with a tree, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like chiropractic care, hospital visits, funeral costs and doctor visits. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Final considerations

You just learned some good ideas how you can get a better price on 2004 Pontiac Montana insurance. The key concept to understand is the more providers you compare, the higher your chance of finding lower rates. You may be surprised to find that the lowest priced insurance comes from the least-expected company. These companies may only write in your state and offer lower rates compared to the large companies like State Farm, Geico and Nationwide.

Cheaper insurance is available online and with local insurance agents, so you should compare both to get a complete price analysis. Some insurance providers do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

Additional insurance information can be found at the links below