1994 Pontiac Trans Sport Insurance Rates – 7 Discounts for Best Quotes

Looking for lower car insurance rates for your Pontiac Trans Sport? Did a good deal turn into an underperforming, overpriced car insurance policy? Say no more because there are a lot of people just like you who feel imprisoned by their car insurance policy. Companies like Geico and Progressive continually hit you with ads and it can be hard to see through the deception and find the best price available.

If you have insurance now or are just looking to switch companies, you will benefit by learning to shop for the lowest rates while maximizing coverage. Finding the best rates is not that difficult. Drivers just need to know the most efficient way to compare rates online.

How much does auto insurance cost?

Finding a lower price on 1994 Pontiac Trans Sport insurance can be surprisingly simple. All you need to do is spend a few minutes on the computer comparing price quotes to find out which insurance company has inexpensive insurance quotes. This can be accomplished using a couple different methods.

• The fastest way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This quick form keeps you from doing separate quotes for every auto insurance company. One simple form gets rate comparisons from many national carriers.
• A different way to analyze rates requires a trip to each individual company website to request a price quote. For instance, we’ll assume you want to compare prices for USAA, State Farm and Progressive. You would have to go to each individual site and enter your information, which can be really labor intensive.

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

• The most time-consuming way to quote and compare insurance rates to different agent offices. The fact that you can get quotes online has made agencies unnecessary unless you want the extra assistance that only a licensed agent can provide. If you prefer, some companies allow you to compare online quotes but have a local agent actually write the policy.

The approach you take is up to you, just double check that you are using apples-to-apples coverages with each company. If you are comparing different data you can’t possibly truly determine the lowest rate.

Find discounts on insurance

Insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but some must be specially asked for in order for you to get them.

• Theft Prevention System – Anti-theft and alarm system equipped vehicles are stolen with less frequency and that can save you a little bit as well.
• Professional Memberships – Having an affiliation with a professional or civic organization may earn a discount on your next insurance statement.
• Distant Student Discount – College-age children who attend college more than 100 miles from home and leave their car at home can be insured at a reduced rate.
• Accident Forgiveness – This isn’t a discount exactly, but certain companies will turn a blind eye to one accident before your rates go up if your claims history is clear prior to being involved in the accident.
• Early Signing – Select insurance companies give a discount for switching policies early. It’s a savings of about 10%.
• Multi-Vehicle Discounts – Drivers who insure multiple cars on one policy can get a discount for every vehicle.
• ABS Brakes – Cars that have anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.

We need to note that most credits do not apply to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. If you do the math and it seems like you can get free auto insurance, it doesn’t quite work that way.

A few popular companies and a partial list of their discounts can be read below.

• The Hartford may offer discounts for driver training, defensive driver, anti-theft, vehicle fuel type, air bag, bundle, and good student.
• American Family may include discounts for multi-vehicle, good driver, accident-free, defensive driver, air bags, bundled insurance, and mySafetyValet.
• Progressive includes discounts for homeowner, multi-vehicle, good student, online signing, and online quote discount.
• Travelers offers discounts for early quote, new car, multi-car, student away at school, payment discounts, multi-policy, and home ownership.
• Farmers Insurance has savings for teen driver, alternative fuel, business and professional, bundle discounts, mature driver, pay in full, and homeowner.
• USAA may have discounts that include loyalty savings, multi-vehicle, defensive driver, safe driver, family discount, driver training, and vehicle storage.
• Liberty Mutual offers discounts including hybrid vehicle, new graduate, teen driver discount, multi-car, preferred payment discount, newly married, and good student.

When getting free insurance quotes, it’s a good idea to each company how many discounts you can get. Some discounts listed above might not be offered on policies in your area.

Tailor your insurance coverage to you

When it comes to buying coverage, there really is no cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that may help highlight if your situation might need professional guidance.

• Are rental cars covered under my policy?
• Should I buy full coverage?
• What is the ISO rating for a 1994 Pontiac Trans Sport?
• What is medical payments coverage?
• Do I have coverage when making deliveries for my home business?
• When can I cancel my policy?
• Am I covered if I wreck a rental car?
• Do I pay less if my vehicle is kept in my garage?
• Why am I required to get a high-risk car insurance policy?
• Are all vehicle passengers covered by medical payments coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Information about specific coverages

Having a good grasp of your car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types found on most car insurance policies.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like dental work, EMT expenses, ambulance fees and X-ray expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverages – This coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, damage from a tornado or hurricane, rock chips in glass, vandalism and theft. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured and underinsured coverage – This coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Pontiac Trans Sport.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability – This protects you from injuries or damage you cause to a person or their property. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers claims like loss of income, emergency aid, legal defense fees and medical services. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Collision coverages – Collision coverage covers damage to your Trans Sport from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Shop smart and save

Some insurance providers may not offer online quoting and these regional insurance providers sell through independent agencies. The cheapest 1994 Pontiac Trans Sport insurance is available from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates.

While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. There are too many instances where an insured cut liability coverage limits and discovered at claim time that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest cost while still protecting your assets.

Additional information is available at the links below

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Crash Avoidance Technologies FAQ (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)