Cheapest 2004 Pontiac Bonneville Insurance Rates in 2023
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UPDATED: May 12, 2022
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No one in their right mind looks forward to paying for auto insurance, particularly when the cost is way too high.
Companies like GEICO, 21st Century and Progressive constantly bombard you with advertising and it is difficult to ignore the flashy ads and do the work needed to find the best deal.
Do you qualify for discounts?
Companies that sell car insurance do not list all available discounts in a way that’s easy to find, so the following is a list of both well-publicized as well as the least known insurance savings.
- College Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
- Multi-car Discount – Buying coverage for more than one vehicle on the same insurance policy may reduce the rate for each vehicle.
- Homeowners Pay Less – Being a homeowner may trigger a insurance policy discount because maintaining a house shows financial diligence.
- Payment Method – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
- Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Bonneville coverage than less cautious drivers.
- Senior Discount – Older drivers may receive a small decrease in premiums on Bonneville coverage.
- Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiring. The savings is around 10%.
- Air Bag Discount – Vehicles with factory air bags or automatic seat belts can receive discounts of up to 25% or more.
- Low Mileage Discounts – Driving fewer miles can earn lower rates on the low mileage vehicles.
Drivers should understand that many deductions do not apply to your bottom line cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way.
To see a list of insurance companies who offer insurance discounts, click here.
Pieces of the Pontiac Bonneville insurance rate puzzle
Smart consumers have a good feel for the different types of things that go into determining the rates you pay for auto insurance. When you know what positively or negatively determines base rates helps enable you to make changes that could result in much lower annual insurance costs.
- Poor credit can mean higher rates – A driver’s credit rating is a large factor in calculating your auto insurance rates. People with good credit tend to be more responsible than those with lower credit scores. If your credit can use some improvement, you could save money insuring your 2004 Pontiac Bonneville by improving your rating.
- How your age affects price – Older insureds tend to be more responsible, tend to cause fewer accidents and receive fewer citations. Teen drivers tend to be less responsible when behind the wheel therefore auto insurance rates are much higher.
- Bump up deductibles to save – Deductibles for physical damage define the amount you are required to spend out-of-pocket before a claim is paid by your company. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply could be running into the backend of another car, vandalism, and burglary. The more you are required to pay out-of-pocket, the less your auto insurance will be on Bonneville coverage.
- Car features impact rates – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping auto theft.
- Do you have a high stress job? – Jobs such as doctors, business owners and accountants tend to pay higher rates than average because of high stress levels and lengthy work days. On the flip side, occupations such as actors, athletes and retirees have the lowest average rates on Bonneville coverage.
- The more you drive the more you pay – The more you drive in a year the higher your rate. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars that are left in the garage can get a lower rate than vehicles that are driven to work every day. Verify your auto insurance policy is showing the correct driver usage, because it can save money. If your policy improperly rates your Bonneville can cost quite a bit.
- Claim-free discounts can add up – If you are a frequent claim filer, you can pretty much guarantee higher rates. Auto insurance companies give discounts to people who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of the large, substantial claims.
- Choose a safe vehicle and save – Vehicles with good safety scores can get you lower premiums. These vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If your Pontiac Bonneville is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
Don’t assume everyone needs the same coverage
When it comes to choosing adequate coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. For example, these questions might point out whether your personal situation could use an agent’s help.
- Is my trailer covered?
- Why am I be forced to buy a membership to get insurance from some companies?
- Will my vehicle be repaired with OEM or aftermarket parts?
- Am I covered when driving on a suspended license?
- Do I need replacement cost coverage?
- Am I covered when driving a rental car?
- Should I drop comprehensive coverage on older vehicles?
- Is there coverage for injuries to my pets?
- Are rock chip repairs covered?
If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
Don’t believe everything you hear
Insurance providers like Progressive, Allstate and GEICO constantly bombard you with ads on television and other media. They all say the same thing about savings if you switch your policy. How can each company make almost identical claims? This is how they do it.
All the different companies have a preferred profile for the type of customer they prefer to insure. For example, a preferred risk could possibly be over the age of 50, owns a home, and has excellent credit. A driver who fits that profile is entitled to the best price and is almost guaranteed to save when they switch companies.
Potential customers who don’t qualify for this ideal profile must pay higher rates and ends up with the customer not buying. The ads say “people who switch” but not “drivers who get quotes” save that kind of money. This is how insurance companies can confidently claim big savings. This illustrates why it’s extremely important to quote coverage with many companies. Because you never know the company that will fit your personal profile best.
Detailed coverages of your car insurance policy
Having a good grasp of your car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types offered by car insurance companies.
Collision coverage protection
This will pay to fix damage to your Bonneville caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like driving through your garage door, hitting a parking meter, crashing into a ditch, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.
Comprehensive car insurance
Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as vandalism, hail damage, a tree branch falling on your vehicle, damage from a tornado or hurricane and falling objects. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for X-ray expenses, rehabilitation expenses, nursing services, chiropractic care and funeral costs. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage
Coverage for uninsured or underinsured drivers
This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2004 Pontiac Bonneville.
Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.
Liability coverage can cover damages or injuries you inflict on other’s property or people. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.
Liability coverage pays for things such as repair costs for stationary objects, repair bills for other people’s vehicles, pain and suffering, bail bonds and attorney fees. How much coverage you buy is a personal decision, but consider buying higher limits if possible.
And the best car insurance company is…
Cheaper 2004 Pontiac Bonneville insurance is attainable online in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide you the ability to get quotes online and these smaller companies work with independent agents.
As you shop your coverage around, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where someone dropped full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase a proper amount of coverage at the best price.
More information can be found at the links below
- Collision Coverage (Liberty Mutual)
- Child Safety Seats (Insurance Information Insitute)
- If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
- Speed and Speed Limit FAQ (iihs.org)
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