Searching for better insurance rates for your Pontiac Trans Sport? Being forced to pay for overpriced insurance premiums can bleed your savings account and force you to make sacrifices. Doing a price comparison is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.
With so many options when it comes to insurance, it is very difficult to find the lowest cost insurer.
Some providers do not advertise the complete list of policy discounts very clearly, so we researched both the well known as well as the least known discounts that may be available.
It’s important to note that most credits do not apply the the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, you’re out of luck. But any discount will cut your policy premiums.
A list of insurance companies and a selection of discounts include:
If you want inexpensive insurance quotes, ask every prospective company the best way to save money. Some discounts listed above might not be offered in your area. If you would like to choose from a list of companies with significant discounts, follow this link.
There are a lot of ways to shop for car insurance, but one way is less labor-intensive and much quicker. You can spend countless hours talking about coverages with insurance agencies in your area, or you could use online quoting to get prices fast.
Most major companies belong to an insurance system where prospective buyers enter their policy data once, and each participating company then gives them pricing. This prevents consumers from doing quotation requests for each company.
To compare rates using this form now click here (opens in new window).
The one disadvantage to comparing rates this way is you are unable to specify which carriers you will receive quotes from. If you wish to select specific insurance companies to compare prices, we have a listing of low cost car insurance companies in your area. Click here for list of insurance companies.
It doesn’t matter which method you choose, just make darn sure you compare exactly the same coverages and limits for each quote you get. If you are comparing different values for each quote it will be next to impossible to make a fair rate comparison.
Many factors are part of the calculation when premium rates are determined. Some are obvious such as traffic violations, but other criteria are less obvious like where you live or your commute time.Smart consumers have a good feel for some of the factors that help calculate the level of your policy premiums. If you know what controls the rates you pay, this allows you to make good choices that can earn you big savings.
The factors shown below are some of the most rate-impacting factors utilized by car insurance companies to help set your premiums.
When buying coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help you determine whether you may require specific advice.
If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.
Having a good grasp of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverages found on most insurance policies.
Collision coverage – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like damaging your car on a curb, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.
Coverage for liability – Liability insurance can cover injuries or damage you cause to other people or property that is your fault. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage pays for things such as repair costs for stationary objects, loss of income and attorney fees. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.
Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as damage from getting keyed, hitting a deer, hail damage, rock chips in glass and hitting a bird. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
UM/UIM Coverage – Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Pontiac Trans Sport.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.
Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for bills for things like chiropractic care, funeral costs and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage
As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, an insured dropped liability coverage limits only to find out they didn’t purchase enough coverage. The goal is to get the best coverage possible for the lowest cost while still protecting your assets.
More affordable insurance coverage can be purchased on the web as well as from independent agents, and you should compare price quotes from both to have the best selection. Some insurance companies may not offer online rate quotes and usually these smaller companies provide coverage only through local independent agencies.
More tips and info about insurance coverage can be read in the articles below: