Save on 1998 Pontiac Bonneville Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Trying to find better auto insurance rates for your Pontiac Bonneville? Searching for better insurance prices for a Pontiac Bonneville could be difficult, but you can use the following methods and make it easy. There is a better way to compare auto insurance rates so we’re going to tell you the proper way to get price quotes on a Pontiac and get the lowest price from local insurance agents and online providers.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have a policy now or are shopping for new coverage, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Consumers only need to know the proper methods to get comparison rates online.

Pontiac Bonneville premiums are determined by many factors

Consumers need to have an understanding of some of the elements that come into play when calculating the price you pay for insurance. Understanding what influences your rates allows you to make educated decisions that will entitle you to big savings.

  • Your stress level may be raising your rates – Careers like lawyers, social workers and financial analysts tend to have higher average rates because of high stress and lots of time spent at work. Conversely, occupations like actors, engineers and retirees receive lower rates on Bonneville insurance.
  • Safer cars are cheaper to insure – Cars with high safety ratings are cheaper to insure. These vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company and lower rates for you. If your Pontiac Bonneville is rated at least four stars on Safercar.gov you are probably receiving a discount.
  • High credit ratings translate to low rates – A driver’s credit rating is a big factor in determining what you pay for insurance. Drivers with excellent credit tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings. If your credit score can use some improvement, you could potentially save money when insuring your 1998 Pontiac Bonneville by spending a little time repairing your credit.
  • Adjust deductibles and save – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Pontiac from damage. Some instances where coverage would apply could be a windshield shattered by a rock, vandalism, and windstorm damage. The deductibles are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The more money you are required to pay out-of-pocket, the bigger discount you will receive on Bonneville insurance.
  • Proper usage rating affects rates – Driving more miles each year the more you will pay for insurance. The majority of insurers price each vehicle’s coverage based on their usage. Cars and trucks not used for work or commuting receive lower rates than vehicles that are driven to work every day. If your policy improperly rates your Bonneville may be costing you. Ask your agent if your insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.
  • Extra add-on coverages are wasting money – There are many extra bells and whistles that can waste your money if you aren’t careful. Coverages like vanishing deductibles, accident forgiveness and additional equipment coverage may be costing you every month. These coverages may sound good at first, but now you might not need them so get rid of them and save.

Discounts are basically free money

Companies do not advertise every available discount very well, so here is a list both well-publicized as well as the least known savings tricks you should be using. If you don’t get every credit possible, you are throwing money away.

  • Drivers Ed for Students – Have your child complete a driver education course if offered at their school.
  • Paperwork-free – Some insurance companies give back up to $50 just for signing your application digitally online.
  • Save with a New Car – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Bonneville insurance than their less cautious counterparts.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags may earn rate discounts of up to 25% or more.
  • Sign Early and Save – Select companies give a discount for switching to them before your current expiration date. It can save you around 10%.

Drivers should understand that some credits don’t apply to the entire cost. Most only reduce individual premiums such as medical payments or collision. So when it seems like you could get a free auto insurance policy, it doesn’t quite work that way.

For a list of insurance companies offering auto insurance discounts, click here to view.

Which insurance is the “right” coverage?

When it comes to buying adequate coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is unique.

These are some specific questions might help in determining if your situation would benefit from an agent’s advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • How much liability insurance is required?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered when driving on a suspended license?
  • Is a blown tire covered by insurance?
  • When should I drop full coverage on my 1998 Pontiac Bonneville?
  • Is my ex-spouse still covered by my policy?
  • When can I cancel my policy?
  • Do I have any recourse if my insurance company denies a claim?
  • Does insurance cover tools stolen from my truck?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance specifics

Knowing the specifics of your auto insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Medical costs insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses such as hospital visits, ambulance fees, funeral costs, X-ray expenses and dental work. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, theft, falling objects and hitting a deer. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

This will pay to fix damage to your Bonneville from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a parking meter, colliding with a tree, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Auto liability

Liability coverage protects you from damage that occurs to a person or their property. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like funeral expenses, court costs, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they 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 Bonneville.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

More choices the merrier

Cheap 1998 Pontiac Bonneville insurance is attainable both online and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

When shopping online for car insurance, never buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at a price you can afford while still protecting your assets.

Consumers leave their current company for a number of reasons such as being labeled a high risk driver, an unsatisfactory settlement offer, policy non-renewal or high rates after DUI convictions. Whatever your reason, finding the right car insurance provider can be less work than you think.

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