1993 Pontiac Trans Sport Insurance Rates – 10 Ways to Save

Shoppers have options when shopping for low-cost Pontiac Trans Sport insurance. You can either spend your time contacting agents to compare prices or leverage the internet to get rate quotes. There is a better way to buy insurance coverage and we’ll show you the quickest way to compare rates for a Pontiac and get the lowest possible price from local insurance agents and online providers.

If you are insured now or are just looking to switch companies, you can use these tips to shop for the lowest rates and possibly find even better coverage. The purpose of this article is to teach you how car insurance quotes work and some tips to save money. Consumers only need to know the proper way to shop for auto insurance on the web.

Lower-cost auto insurance rates with discounts

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts to cut the cost considerably. Some discounts apply automatically when you purchase, but some need to be inquired about before you will receive the discount. If you check and find you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • E-sign – Some auto insurance companies will discount your bill up to fifty bucks for buying your policy on the web.
  • Senior Citizen Rates – If you’re over the age of 55, you may receive a slight reduction on a car insurance quote on Trans Sport coverage.
  • Discount for Life Insurance – If the company offers life insurance, you could get a lower premium rate if you buy some life insurance too.
  • Anti-theft System – Cars and trucks optioned with advanced anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to buckle their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Early Switch Discount – Some companies give discounts for signing up prior to the expiration date on your current policy. This discount can save up to 10%.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Federal Government Employee – Federal government employees can save as much as 8% on Trans Sport coverage with certain companies.
  • Multiple Vehicles – Buying coverage for multiple cars or trucks on the same auto insurance policy can reduce the rates for all insured vehicles.
  • Accident Waiver – This one is not really a discount per se, but some insurance companies will turn a blind eye to one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to all coverage premiums. Most cut the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, nobody gets a free ride.

If you would like to choose from a list of auto insurance companies with the best auto insurance discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique.

For example, these questions can aid in determining if you might need an agent’s assistance.

  • Which companies will insure high-risk drivers?
  • Is motorclub coverage worth it?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I buy additional glass protection?
  • Do I pay less for low miles?
  • Is a new car covered when I drive it off the dealer lot?
  • Will I lose any money if I cancel my policy before it expires?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance 101

Understanding the coverages of your insurance policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as doctor visits, hospital visits, funeral costs and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive coverage – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, vandalism, hitting a deer and fire damage. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – This coverage will pay to fix damage to your Trans Sport resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as scraping a guard rail, crashing into a ditch, rolling your car, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Liability car insurance – Liability coverage protects you from damage or injury you incur to a person or their property in an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like court costs, repair bills for other people’s vehicles, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Be a Smart Shopper

Budget-conscious 1993 Pontiac Trans Sport insurance is attainable on the web as well as from insurance agents, so get free car insurance quotes from both of them to have the best rate selection. Some insurance companies may not provide online rate quotes and most of the time these smaller providers only sell coverage through independent agents.

Insureds switch companies for a number of reasons such as not issuing a premium refund, policy non-renewal, denial of a claim or policy cancellation. Whatever your reason, finding a new insurance company is not as hard as you think.

When buying insurance coverage, it’s a bad idea to reduce coverage to reduce premium. Too many times, an insured cut liability coverage limits and learned later that it was a big mistake. The goal is to buy enough coverage for the lowest cost, not the least amount of coverage.

Other resources