1995 Pontiac Trans Sport Insurance Rates

Looking for lower car insurance rates? Shoppers have lots of choices when shopping for low-cost Pontiac Trans Sport insurance. They can either waste time calling around to compare prices or save time using the internet to make rate comparisons. There are more efficient ways to find car insurance online and we’ll show you the proper way to compare rates for a new or used Pontiac and locate the best price possible from both online companies and local agents.

It’s important to price shop coverage quite often since insurance rates change quite often. If you had the best premium rates for Trans Sport coverage last year the chances are good that you can find a lower price today. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in how to quote online to find lower rates on car insurance.

If you have insurance now or are shopping for new coverage, you can learn to reduce the price you pay while maximizing coverage. This article will teach you the most effective way to quote insurance and some tips to save money. Drivers just need to understand the best way to get comparison quotes on the web.

Why you might pay lower rates

Many things are part of the calculation when you quote your car insurance policy. Some are pretty understandable like an MVR report, but some are less apparent such as your credit history or your commute time.

The following are most of the major factors companies use to determine rates.

  • Single drivers may get higher rates – Having a wife or husband helps lower the price on your car insurance bill. It generally demonstrates drivers are more mature and statistics show married drivers tend to file fewer claims.
  • Pay more of a claim out-of-pocket – Insurance for physical damage to your car, also called ‘full coverage’, is used to repair damage to your Pontiac. Examples of some claims that would be covered would be a windshield shattered by a rock, damage caused by hail, and having your car stolen. Comprehensive and collision coverage deductibles state the amount of money you are required to spend out-of-pocket if a covered claim is submitted. The more you pay before a claim is paid (deductible), the less money you will pay for car insurance for Trans Sport coverage.
  • Insure your auto and home with one company – Some insurers allow lower prices to insureds that have more than one policy in the form of a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even though this discount sounds good, drivers will still want to comparison shop to make sure you are getting the best deal. You may still find better rates even if you insure with multiple companies
  • How’s your driving record? – Whether or not you get tickets has a huge affect on how much you pay. Even one citation could increase your next policy renewal by as much as twenty percent. Good drivers get better prices compared to bad drivers. Drivers who have received license-revoking citations such as DUI or reckless driving may face state-mandated requirements to file a SR-22 with their state’s department of motor vehicles in order to prevent their license from being revoked.
  • Cheaper premiums with safer cars – Vehicles with high crash test scores tend to have better insurance rates. Vehicles engineered for safety protect occupants better and fewer serious injuries means lower claim amounts which can result in lower premiums.
  • You might want pay the inexpensive insurance claims yourself – Auto insurance companies provide most affordable rates to insureds who only file infrequent claims. If you’re an insured who likes to file claims you can pretty much guarantee higher premiums or even policy non-renewal. Your car insurance is designed for the large, substantial claims.
  • Vehicle theft costs us all – Choosing to buy a car with an alarm system can get you a discount on your car insurance. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder car theft and help bring rates down.

Where can I get the cheapest insurance coverage?

Finding a better price on insurance coverage is pretty simple and can save money. All you need to do is take time to get quotes online from several insurance companies. Comparing prices online can be done in just a few minutes using one of these methods.

If you’re in a hurry, the quickest way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This easy form saves time by eliminating separate quotation requests for each price estimate. One form will return quotes from several companies.It’s the quickest way to get rates.

A more difficult way to get quotes online requires a visit to each company’s website and go through the quote process again. For examples sake, let’s say you want to compare Farmers, Progressive and Allstate. In order to get each rate, you would have to spend time going to each site individually to input your insurance information, which can get old fast.

To view a list of companies in your area, click here.

The last method to find and compare rates is to spend your day driving to and from local insurance agencies. The internet eliminates the need for an insurance agent unless you’re the type of person who wants the guidance that only a licensed agent can provide. Although you can comparison shop online but buy from a local insurance agent.

It’s your choice how you get your quotes, but ensure you are comparing the exact same coverage limits and deductibles for every company. If you have different limits and deductibles on each one it’s impossible to truly determine the lowest rate.

Insurance coverage advertising gotchas

Consumers can’t escape the ads that claim the cheapest prices from the likes of Allstate, Geico and Progressive. All the companies make the point about how much you will save if you switch your insurance coverage policy to them.

But how can every company lower your prices?

Many companies look for specific characteristics for the type of customer that earns them the most money. For instance, this type of driver should be over the age of 40, has had continuous coverage, and has a high credit rating. A customer who matches that profile will get a cheap rate quote and will most likely save when switching.

Potential customers who are not a match for these stringent criteria may be forced to pay a higher rate which translates to the customer buying from someone else. If you listen closely, the ads state “people who switch” but not “all drivers who get quotes” save money. That’s why companies can truthfully advertise the savings. Because of the profiling, you need to compare many company’s premium rates. You cannot predict the company that will have the best car insurance rates for your profile.

Insurance discounts are available to reduce your rates

Buying insurance is not cheap, but you can get discounts that can help lower your rates. A few discounts will be applied at the time of purchase, but a few must be asked about prior to receiving the credit.

  • 55 and Retired – Drivers over the age of 55 may receive reduced rates for Trans Sport coverage.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Onboard Data Collection – Insureds that choose to allow their insurance company to spy on driving manner by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if their driving habits are good.
  • Defensive Driver Discounts – Passing a course teaching safe driver skills is a good idea and can lower rates if your company offers it.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% for Trans Sport coverage but check with your company.
  • Distant Student – who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle could get you a discount.
  • Use Seat Belts – Drivers who require all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you can avoid monthly service charges.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, you’re out of luck.

To view insurers that can offer you the previously mentioned discounts, follow this link.

Everyone needs different auto insurance coverages

When it comes to buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique.

For example, these questions may help you determine if your situation would benefit from an agent’s advice.

  • Do I need higher collision deductibles?
  • Will my rates increase for filing one claim?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What vehicles should carry emergency assistance coverage?
  • Do I have coverage if my license is suspended?
  • Do I really need UM/UIM coverage?
  • Is my cargo covered for damage or theft?
  • Are rental cars covered under my policy?
  • Does my medical payments coverage pay my health insurance deductible?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

The coverage is in the details

Learning about specific coverages of car insurance helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like vandalism, hitting a deer, hitting a bird and rock chips in glass. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Trans Sport.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Liability insurance

This coverage will cover injuries or damage you cause to other people or property. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

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. As an example, you may have policy limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as legal defense fees, attorney fees, medical services, emergency aid and medical expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance

Med pay and PIP coverage pay for short-term medical expenses for dental work, prosthetic devices, doctor visits, surgery and pain medications. They are often utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverage

Collision insurance will pay to fix damage to your Trans Sport caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, damaging your car on a curb, colliding with another moving vehicle, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Be a Smart Shopper

As you restructure your insurance plan, do not reduce coverage to reduce premium. There are too many instances where drivers have reduced liability coverage limits only to discover later they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

Some companies may not have rates over the internet and usually these regional carriers only sell through independent agencies. Lower-priced auto insurance is definitely available from both online companies and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis.

Consumers who switch companies do it for any number of reasons including policy non-renewal, extreme rates for teen drivers, not issuing a premium refund and even poor customer service. It doesn’t matter why you want to switch switching companies is pretty easy and you might even save some money in the process.

Much more information about auto insurance is located at these links: