Cheaper 1991 Pontiac Trans Sport Insurance Quotes

Searching for the cheapest auto insurance rates for your Pontiac Trans Sport? Sick and tired of being strong-armed each month for auto insurance? You are in the same boat as many other consumers.

Numerous insurance companies battle for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest rate possible.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these techniques. Buying car insurance is not that difficult. But drivers must understand the methods companies use to sell online.

The cheapest insurance quotes online

To find the cheapest auto insurance quotes, there are several ways to compare quotes from many insurance companies in your state. The fastest way to comparison shop consists of shopping online. This can be done using a couple different methods.

  1. The fastest way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This form eliminates the need for separate forms for every insurance company. A single, simple form gets prices estimates from many national carriers.
  2. A slightly less efficient method to find lower rates consists of visiting the website for every company you want to comare and go through the quote process again. For example, let’s assume you want to compare State Farm, Esurance and Liberty Mutual. You would have to spend time on each company’s site to enter your coverage information, which can get rather old.

    For a list of links to companies insuring cars in your area, click here.

  3. The most difficult method to compare price estimates is calling or driving to all the different insurance agencies. Comparing online rate quotes eliminates this option unless you have a need for the professional assistance that only a licensed agent can provide. It is possible with some companies comparison shop your insurance online and still use a local agent.

The approach you take is up to you, just do your best to enter the exact same coverages and limits for each quote you get. If you have higher or lower deductibles you can’t possibly determine which company has the best rates. Just slight variations in coverages can mean a large discrepancy in price. And when comparison shopping, quoting more will improve the odds of getting a lower rate.

These discounts can lower your insurance rates

Insurance is not an enjoyable expense, but you may find discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically when you complete an application, but less common discounts must be inquired about before they will apply. If you are not receiving all the discounts available, you could be paying more than you need to.

  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% for Trans Sport coverage with certain companies.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn better premium rates if you take out life insurance from them.
  • Low Mileage Discounts – Low annual miles may enable drivers to earn lower premium rates due to less chance of an accident.
  • Student Driver Training – Have your child complete a driver education course as it can save substantially.
  • Organization Discounts – Being a member of a professional or civic organization is a simple method to lower premiums on your next renewal.
  • One Accident Forgiven – Not a discount per se, but a few companies such as Progressive, State Farm and Geico will allow you to have one accident without raising rates as long as you don’t have any claims before the accident.
  • Onboard Data Collection – Policyholders that allow their company to spy on their driving habits through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they have good driving habits.
  • Good Student – Performing well in school may save you up to 25%. You can use this discount normally up until you turn 25.

Discounts save money, but please remember that most credits do not apply to the overall cost of the policy. Most cut individual premiums such as comprehensive or collision. Despite the appearance that all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

A few companies that may include these money-saving discounts include:

If you need inexpensive auto insurance quotes, ask each company which discounts can lower your rates. Some of the discounts discussed earlier may not apply in every state. To see a list of insurance companies that offer multiple discounts, click this link.

Different people need different insurance coverage coverages

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. These are some specific questions might point out whether you will benefit from professional help.

  • What should my uninsured motorist coverage limits be in my state?
  • Exactly who is provided coverage by my policy?
  • Is my custom paint covered by insurance?
  • Should I bundle my homeowners policy with my auto?
  • Why does it cost so much to insure a teen driver?
  • Why am I required to buy liability insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I afford to pay high deductible claims out of pocket?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

How insurance companies calculate Pontiac Trans Sport insurance rates

The best way to find cheaper insurance is to take a look at some of the factors that come into play when calculating the rates you pay for insurance. If you understand what determines premiums, this enables you to make decisions that may result in better insurance rates.

  • Employer can influence rates – Do you have a high-stress occupation? Occupations like military generalsairline pilots and emergency personnel usually pay the highest average rates attributed to intense work situations and long work hours. Conversely, careers like professors, historians and the unemployed pay the least for Trans Sport coverage.
  • Younger drivers pay more – Teenage drivers are proven to be inattentive and easily distracted when at the wheel of a vehicle therefore insurance rates are much higher. Adding a young driver onto your insurance can break the bank. Older, more experienced drivers are more responsible, cost insurance companies less in claims , and usually have better credit.
  • Extra coverages push up rates – There are many add-on coverages that you can buy when buying insurance. Insurance for things like coverage for rental cars, better glass coverage, and additional equipment coverage could be just wasting money. They may sound like good ideas when buying your policy, but your needs may have changed so get rid of them and save.
  • Do you know you’re credit history? – An insured’s credit rating can be a huge factor in determining your rates. If your credit rating could use some work, you may save money insuring your 1991 Pontiac Trans Sport by repairing your credit. People that have high credit scores tend to file fewer claims and have better driving records as compared to drivers with poor credit scores.
  • Pay more if you have a long commute – Choosing to live in small towns and rural areas has it’s advantages if you are looking for the lowest rates. Fewer people translates into fewer accidents and a lower car theft rate. Urban drivers have to deal with congested traffic and more time behind the wheel. Spending more time driving means a statistically higher chance of an accident.
  • Save money with alarm systems – Driving a car with anti-theft technology or alarm system can help bring down rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.

Learn about insurance coverages for a Pontiac Trans Sport

Understanding the coverages of your policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average insurance policy.

Auto collision coverage

Collision insurance pays for damage to your Trans Sport resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like crashing into a building, crashing into a ditch, rolling your car, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from getting keyed, a broken windshield, damage from a tornado or hurricane and vandalism. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability car insurance

This coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as court costs, attorney fees and pain and suffering. How much coverage you buy is your choice, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Pontiac Trans Sport.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like prosthetic devices, ambulance fees and dental work. They are used to fill the gap from your health insurance policy 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 an option in every state but can be used in place of medical payments coverage

Buy Smart and Save

Some insurance companies may not provide online rate quotes and most of the time these small, regional companies only sell coverage through independent agents. Cheap 1991 Pontiac Trans Sport insurance can be found both online as well as from insurance agents, and you should be comparing both so you have a total pricing picture.

In this article, we covered a lot of ways to shop for 1991 Pontiac Trans Sport insurance online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the best prices are with a company that doesn’t do a lot of advertising. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as Geico and State Farm.

More information is available at these links: