Lower Your 1993 Pontiac Trans Sport Insurance Quotes

Buyers have options when searching for the lowest priced Pontiac Trans Sport insurance. They can either spend hours contacting agents trying to get quotes or leverage the internet to compare rates.

There are more efficient ways to buy auto insurance so we’re going to tell you the quickest way to price shop coverage on a Pontiac and get the lowest price from both online companies and local agents.

The purpose of this article is to help educate you on how car insurance quotes work and some tricks to saving. If you have car insurance now, you should be able to lower your premiums substantially using these techniques. Drivers only need to know the most efficient way to get comparison quotes over the internet.

Get cheap rates by taking advantage of discounts

Some companies don’t always advertise every discount very well, so the list below contains both the well known and also the more inconspicuous credits available to bring down your rates.

• Discount for New Cars – Insuring a new car can cost up to 25% less since newer models have better safety ratings.
• Resident Student – Kids who live away from home at college without a vehicle on campus can be insured at a reduced rate.
• Accident Free – Good drivers with no accidents get the best car insurance rates when compared to bad drivers.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it will make them better drivers and lower rates.
• Active Service Discounts – Being on active duty in the military could mean lower premium rates.
• Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts could see savings of 25 to 30%.
• Smart Student Discounts – Maintaining excellent grades may save you up to 25%. This discount can apply up until you turn 25.
• Sign Online – A handful of car insurance companies may give you up to $50 shop insurance on your computer.

You should keep in mind that many deductions do not apply to the entire policy premium. Most only reduce specific coverage prices like comp or med pay. So when the math indicates you could get a free car insurance policy, it just doesn’t work that way.

Car insurance companies that may include these discounts include:

• American Family
• Farm Bureau
• State Farm
• Travelers
• The Hartford
• Geico
• Progressive

Before you buy a policy, ask each company or agent to apply every possible discount. Some of the discounts discussed earlier might not be offered everywhere.

Finding auto insurance

Many insurance companies such as State Farm, Allstate and Geico allow you to get insurance quotes directly from their websites. Doing online price comparisons is quite easy as all you need to do is type in the coverages you want into a form. When the form is submitted, the company’s rating system will obtain credit information and your driving record and generates a price based on these and other factors.

Online quotes makes it a lot easier to compare rates but having to visit several different sites and fill out multiple forms can be a bit tiresome and repetitive. But it’s necessary to get many rate quotes in order to find the lowest price.

A more efficient way to compare auto insurance pricing utilizes a single form that gets price quotes from several different companies. It’s a real time-saver, eliminates repetitive work, and makes online quotes a lot less work. As soon as the form is sent, it is quoted and you are able to buy any or none of the quotes returned.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The whole process only takes a few minutes and may save quite a bit of money.

To save time and find out how much you can save on auto insurance, click here to open in a new tab and submit the form. If you have coverage now, it’s recommended you complete the form with the coverage information identical to your current policy. Doing this guarantees you will receive a price comparison based on identical coverages.

How much auto insurance do I need?

When buying proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining whether your personal situation may require specific advice.

• Is my state a no-fault state?
• Does my personal policy cover me when driving out-of-state?
• Am I covered when driving someone else’s vehicle?
• What is PIP insurance?
• Should I file a claim if it’s only slightly more than my deductible?
• Are my friends covered when driving my 1993 Pontiac Trans Sport?
• Is upholstery damage covered by car insurance?
• How much underlying liability do I need for an umbrella policy?
• At what point should I drop full coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Insurance coverage basics

Understanding the coverages of insurance can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You first must 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, hitting a parking meter, rolling your car, hitting a mailbox and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like nursing services, prosthetic devices, rehabilitation expenses, ambulance fees and chiropractic care. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability – Liability insurance provides protection from damage or injury you incur to other’s property or people that is your fault. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims such as repair costs for stationary objects, bail bonds and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive (Other than Collision) – This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, damage from getting keyed, hitting a deer, falling objects and hitting a bird. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Be a money saver!

We just covered a lot of ways to compare 1993 Pontiac Trans Sport insurance prices online. It’s most important to understand that the more price quotes you have, the better your comparison will be. You may even discover the best price on auto insurance is with a lesser-known regional company.

Drivers leave their current company for a variety of reasons including an unsatisfactory settlement offer, delays in responding to claim requests, extreme rates for teen drivers and even being labeled a high risk driver. Regardless of your reason, choosing a new insurance company is not as hard as you think.

Low-cost 1993 Pontiac Trans Sport insurance is possible online and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some companies may not offer online rate quotes and usually these small insurance companies provide coverage only through local independent agents.

Additional detailed information is available by following these links:

• Speed and Speed Limit FAQ (iihs.org)
• Child Safety Seats (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)
• Red Light Cameras (State Farm)
• How to Avoid Common Accidents (State Farm)
• Vehicle Insurance (Wikipedia)