Cheapest 2006 Pontiac Montana SV6 Insurance Rates in 2023
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UPDATED: Dec 7, 2021
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Nobody I know enjoys paying for insurance, in particular when they are paying too much. Big-name insurance companies like GEICO and Progressive promote their brand names with ads and it is difficult to separate fact from fiction and find the best price available.
It is always a good idea to do rate comparisons before your policy renews due to the fact that insurance rates go up and down regularly. Just because you had the best rates for Montana SV6 insurance last year other companies may now be cheaper. Ignore everything you know about insurance because you’re about to learn the proper way to buy cheaper insurance.
These factors can influence Pontiac Montana SV6 insurance rates
An important part of buying insurance is that you know the factors that help determine the rates you pay for auto insurance. When you know what positively or negatively determines base rates helps enable you to make changes that will entitle you to lower auto insurance prices.
The following are some of the factors that factor into prices.
- What are your deductibles? – Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your Pontiac from damage. A few examples of covered claims are a windshield shattered by a rock, collision with an animal, or theft. Your deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more expense you have to pay, the less your company will charge you for insurance for Montana SV6 insurance.
- Do you qualify for a multi-policy discount? – Some insurers will give a discount to customers who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount you may still want to shop around to verify if the discount is saving money.
- Little extras can really add up – There are a lot of extra bells and whistles you can purchase on your 2006 Montana SV6 policy. Coverages for roadside assistance, better glass coverage and membership fees may be costing you every month. They may seem good when talking to your agent, but your needs may have changed so eliminate them to save money.
- Liability coverage is peace of mind – Liability insurance will protect you when a jury decides you are liable for causing damage or personal injury in an accident. It will provide you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
- Your location is important – Residing in a small town has it’s advantages when talking about auto insurance. City drivers have congested traffic and longer commutes to work. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft.
- Too many auto insurance claims drive up costs – If you file claims often, you can pretty much guarantee higher rates. Insurance companies generally give cheaper rates to insureds who file claims infrequently. Insurance coverage is intended for the large, substantial claims.
Be sure to get all your discounts
Car insurance can cost a lot, but discounts can save money and there are some available to help bring down the price. Most are applied when you complete an application, but less common discounts must be specially asked for prior to receiving the credit. If you don’t get every credit possible, you are throwing money away.
- Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The good student discount can last well after school through age 25.
- Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates for Montana SV6 insurance than less cautious drivers.
- Discount for New Cars – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
- Multiple Policy Discount – If you have multiple policies with one insurance company you may earn approximately 10% to 15%.
- Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
Drivers should understand that most discounts do not apply to the overall cost of the policy. Some only apply to individual premiums such as comp or med pay. So when it seems like all those discounts means the company will pay you, you won’t be that lucky. But all discounts will cut your premiums.
Car insurance companies that possibly offer these money-saving discounts may include but are not limited to:
- State Farm
- Farmers Insurance
- Auto-Owners Insurance
- The Hartford
- Farm Bureau
It’s a good idea to ask each company what discounts are available to you. All car insurance discounts might not be offered in your state.
Buyer beware of insurance advertising tricks
Consumers can’t ignore all the ads that promise big savings from companies such as Progressive, GEICO, Allstate and State Farm. They all say the same thing of big savings if you move your policy.
How can each company make the same claim? It’s all in the numbers.
All companies can use profiling for the type of driver that makes them money. For instance, a preferred risk could be over the age of 40, insures multiple vehicles, and drives less than 7,500 miles a year. Any driver who matches those parameters gets the lowest rates and most likely will cut their rates substantially.
Potential insureds who don’t measure up to this ideal profile will be quoted higher rates and this can result in the customer not buying. Company advertisements say “people who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can confidently advertise the way they do.
This emphasizes why it is so important to compare many company’s rates. Because you never know the company that will fit your personal profile best.
How do I know if I need professional advice?
When buying proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions may help you determine whether your personal situation may require specific advice.
- How can I get my company to pay me more for my totalled car?
- What is the minimum liability in my state?
- When can I cancel my policy?
- Is my business laptop covered if it gets stolen from my vehicle?
- Should I buy more coverage than the required minimum liability coverage?
- Do I pay less for low miles?
- Can I rate high risk drivers on liability-only vehicles?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent.
The coverage is in the details
Having a good grasp of your auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types found on the average auto insurance policy.
Liability insurance – This provides protection from damage that occurs to people or other property by causing an accident. This insurance protects YOU from claims by other people, and 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. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage pays for things like bail bonds, attorney fees, medical expenses and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Pontiac Montana SV6.
Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.
Collision coverages – Collision insurance pays for damage to your Montana SV6 from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers claims like backing into a parked car, colliding with a tree, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for expenses such as nursing services, chiropractic care, EMT expenses, hospital visits and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage
Comprehensive auto coverage – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as theft, fire damage, damage from a tornado or hurricane, damage from flooding and a tree branch falling on your vehicle. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
You can do this!
Affordable 2006 Pontiac Montana SV6 insurance is available on the web and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.
You just learned some good ideas how you can shop for insurance online. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. You may even discover the best prices are with a small mutual company. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as Progressive and GEICO.
More tips and info about car insurance is available by following these links:
- Auto Insurance FAQ (Farmers Insurance)
- Who Has the Cheapest Montana Auto Insurance Rates for Business Use? (MontanaCarInsurancePros.com)
- Can I Drive Legally without Insurance? (Insurance Information Insitute)
- Rental Reimbursement Coverage (Allstate)
- Choosing a Car for Your Teen (State Farm)
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