Cheapest 2003 Pontiac Bonneville Insurance Rates in 2023
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UPDATED: May 12, 2022
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Want lower insurance coverage rates? Drivers have options when trying to find the best price on Pontiac Bonneville insurance. You can either spend your time struggling with agents trying to get quotes or leverage the internet to make rate comparisons.
There is a right way and a wrong way to compare insurance coverage rates and you need to know the best way to compare rates for a new or used Pontiac and get the lowest possible price.
It is always a good idea to do rate comparisons periodically because insurance rates are variable and change quite frequently. Despite the fact that you may have had the best deal on Bonneville coverage two years ago you may be paying too much now. There is a lot of bad advice regarding insurance coverage online but we’re going to give you some great ways to slash your insurance coverage rates.
Finding a lower price on 2003 Pontiac Bonneville insurance is actually quite simple. All that’s required is to take a couple of minutes getting comparison quotes online from several insurance companies. This can be accomplished in several different ways.
- One of the simplest ways to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This easy form keeps you from doing boring form submissions to each individual insurance company. Taking the time to complete one form will get you rate comparisons from all major companies. It’s definitely the quickest method.
- A less efficient way to compare rate quotes is spending the time to visit each company website and fill out their own quote form. For example, we’ll pretend you want rates from State Farm, Liberty Mutual and GMAC. To get each rate you have to take the time to go to each site and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
Which method you use is up to you, but double check that you are using identical quote information for each price quote. If you enter different limits and deductibles on each one it will be very difficult to truly determine the lowest rate.
Save with discounts on 2003 Pontiac Bonneville insurance
Insurance can cost an arm and a leg, but you can get discounts that you may not know about. Certain discounts will be applied at the time of quoting, but some may not be applied and must be inquired about prior to receiving the credit. If you don’t get every credit you deserve, you are throwing money away.
- College Student – Any of your kids who live away from home and do not have access to a covered vehicle may be able to be covered for less.
- Passive Restraints – Factory air bags and/or automatic seat belt systems can get savings of more than 20%.
- Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school.
- Service Members Pay Less – Being on active duty in the military could mean lower rates.
- Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
It’s important to understand that many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like comprehensive or collision. Just because you may think you could get a free insurance policy, companies don’t profit that way. Any qualifying discounts will help reduce the cost of coverage.
To see a list of insurance companies offering insurance discounts, click this link.
Tailor your coverage to you
When it comes to choosing the best insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.
For example, these questions may help you determine whether or not you could use an agent’s help.
- Am I insured when driving a different vehicle?
- How much underlying liability do I need for an umbrella policy?
- Should I buy additional glass protection?
- Why is insurance for a teen driver so high?
- Am I getting all the discounts available?
- Is my cargo covered for damage or theft?
- Do I have newly-aquired coverage?
If you can’t answer these questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.
Auto insurance coverages 101
Knowing the specifics of your policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.
Auto liability insurance
This can cover damage that occurs to people or other property. This coverage protects you against other people’s claims, and does not provide coverage for 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 liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability can pay for things like emergency aid, pain and suffering and legal defense fees. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Pontiac Bonneville.
Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for claims like colliding with a tree, rolling your car, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like hospital visits, EMT expenses and funeral costs. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible
Comprehensive coverage (or Other than Collision)
This covers 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 coverage protects against claims such as damage from getting keyed, a tree branch falling on your vehicle, rock chips in glass and vandalism. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
One last thing about your coverage
When buying insurance coverage, never sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice liability limits or collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find at the best price while still protecting your assets.
We’ve covered a lot of ways to compare 2003 Pontiac Bonneville insurance prices online. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. Consumers could even find that the most savings is with a smaller regional carrier.
Consumers who switch companies do it for a number of reasons such as unfair underwriting practices, denial of a claim, being labeled a high risk driver and even poor customer service. It doesn’t matter why you want to switch finding a new auto insurance company is not as difficult as it may seem.
Additional auto insurance information can be read below:
- What is Covered by GAP Insurance? (Allstate)
- Teen Driving Statistics (iihs.org)
- Protecting Teens from Drunk Driving (Insurance Information Insitute)
- Five Tips to Save on Auto Insurance (Insurance Information Insitute)
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