1996 Pontiac Trans Sport Insurance Quotes – 7 Ideas for Best Rates

Want cheaper insurance coverage rates for your Pontiac Trans Sport? If you are a novice to online insurance coverage shopping, you may be confused by the vast number of insurers vying for business.

Drivers save money with these seven discounts

Auto insurance is neither fun to buy or cheap, but there could be significant discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied when you quote, but a few must be asked about before you get the savings. If you don’t get every credit possible, you are not getting the best rate possible.

  • One Accident Forgiven – Not a discount per se, but some companies like State Farm, Progressive and Geico may permit one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Driver Training Discounts – Taking a class that teaches defensive driver techniques may get you a small discount and easily pay for the cost of the class.
  • Telematics Data – Drivers who agree to allow data collection to study vehicle usage by installing a telematics device such as Progressive’s Snapshot may see discounts as long as the data is positive.
  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you may have a lower total premium amount.
  • E-sign Discounts – Some of the larger companies will provide an incentive just for signing your application on their website.
  • Driver Education Discount – Teen drivers should enroll in driver’s education in school.
  • Passenger Safety Discount – Factory options such as air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.

Keep in mind that some credits don’t apply the the whole policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Popular auto insurance companies and a summarized list of policyholder discounts are shown below.

  • American Family may offer discounts for good student, bundled insurance, defensive driver, air bags, and mySafetyValet.
  • Nationwide discounts include Farm Bureau membership, accident-free, family plan, good student, and easy pay.
  • MetLife offers premium reductions for good student, claim-free, defensive driver, accident-free, and good driver.
  • 21st Century has discounts for teen driver, defensive driver, homeowners, theft prevention, early bird, and 55 and older.
  • Farmers Insurance has savings for switch companies, bundle discounts, early shopping, pay in full, distant student, and business and professional.
  • Allstate includes discounts for multi-policy, early signing, good student, farm vehicle, and teenSMART discount.

If you want inexpensive auto insurance quotes, ask all companies you are considering what discounts are available to you. All car insurance discounts may not be offered in your area. To locate insurers offering auto insurance discounts, follow this link.

How to compare insurance quotes

There are several ways to compare rate quotes from many insurance companies in your state. The easiest way to find the cheapest Pontiac Trans Sport insurance rates is to perform an online rate comparison. This is quite simple and can be completed using a couple different methods.

If you are pressed for time, the simplest way to get quotes would be an industry-wide quote request form (click to open form in new window). This easy form eliminates the need for separate quotes to each individual insurance company. One quote request will get you rate comparisons from several companies. It’s definitely the quickest method.

A harder way to find better pricing requires you to visit the website for each individual company and fill out a new quote form. For example, we’ll assume you want to compare prices for State Farm, 21st Century and Allstate. In order to get each rate, you would have to visit each site to input your insurance information, which is why most consumers use the first method.

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

It’s your choice how you get your quotes, but ensure you are comparing nearly identical coverage limits on every quote you get. If your comparisons have different deductibles it will be very difficult to get a fair rate comparison. Just slight variations in limits can mean a large discrepancy in price. And when quoting insurance, remember that comparing all the rates in your area helps improve the odds of finding more affordable insurance. Not every company provides prices over the internet, so you also need to get quotes from them as well.

Special considerations

When choosing coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different.

These are some specific questions might point out if you might need an agent’s assistance.

  • Am I better off with higher deductibles on my 1996 Pontiac Trans Sport?
  • Are my friends covered when driving my 1996 Pontiac Trans Sport?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I need added coverage for expensive stereo equipment?
  • Should I drop comprehensive coverage on older vehicles?
  • Are there companies who specialize in insuring high-risk drivers?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form.

Specifics of your auto insurance policy

Having a good grasp of your policy helps when choosing the best coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as falling objects, damage from getting keyed and rock chips in glass. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses for prosthetic devices, ambulance fees, chiropractic care, dental work and surgery. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision insurance

This coverage will pay to fix damage to your Trans Sport from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as backing into a parked car, colliding with another moving vehicle, hitting a parking meter, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Liability auto insurance

Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as legal defense fees, court costs, pain and suffering and emergency aid. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Smart consumers save more

People who switch companies do it for any number of reasons including denial of a claim, lack of trust in their agent, delays in paying claims or even delays in responding to claim requests. It doesn’t matter why you want to switch switching car insurance companies is pretty easy and you might even save some money in the process.

Throughout this article, we presented many ideas to shop for 1996 Pontiac Trans Sport insurance online. The key thing to remember is the more price quotes you have, the better your chances of lowering your auto insurance rates. You may even find the most savings is with a lesser-known regional company.

When trying to cut insurance costs, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, someone sacrificed full coverage only to regret at claim time they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage at the best cost, but do not sacrifice coverage to save money.

Other learning opportunities