View 1996 Pontiac Trans Sport Insurance Quotes

There isn’t a single person who likes buying insurance coverage, especially when they are aware that the prices are way too high. Drivers have multiple auto insurance companies to buy insurance from, and although it’s nice to have a selection, so many choices can make it hard to compare company pricing.

This information will help educate you on the most effective way to quote insurance and some tricks to saving. If you have car insurance now, you should be able to save some money using these tips. Consumers just need to understand the proper way to shop for insurance coverage online.

Are you earning every discount?

Some providers do not advertise the entire discount list in a way that’s easy to find, so the following is a list of a few of the more common as well as some of the hidden savings tricks you should be using when you buy insurance coverage online.

  • Defensive Driver Discounts – Completing a defensive driving class could earn you a small percentage discount and easily recoup the cost of the course.
  • Driving Data Discount – Drivers who elect to allow driving data collection to monitor driving manner by installing a telematics device like Allstate’s Drivewise might see lower rates if they are good drivers.
  • Drivers Education – Have your child take driver’s ed class in high school.
  • Homeowners Discount – Owning your own home or condo can help you save on auto insurance since home ownership is proof of financial responsibility.
  • Seat Belts Save – Drivers who require all vehicle occupants to buckle their seat belts could save 15% on medical payment and PIP coverage.

You should keep in mind that some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, it doesn’t quite work that way.

Insurance companies that may have these money-saving discounts are:

Double check with every company how many discounts you can get. Some discounts may not be offered in your area.

When in doubt talk to an agent

When it comes to buying coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that For instance, these questions may help you determine whether or not you may require specific advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I buy only the required minimum liability coverage?
  • When should my teen driver be added to my policy?
  • I have a DUI can I still get coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is rental equipment covered for theft or damage?
  • How much can I save by bundling my policies?
  • Can I rent a car in Mexico?
  • What is an SR-22 filing?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Insurance coverage advertising gotchas

Drivers can’t avoid all the ads for insurance coverage savings by companies like Progressive, Geico, Allstate and State Farm. They all say the same thing about saving some big amount if you change your policy.

How does every company charge you a lower premium? It’s all in the wording.

Insurance coverage companies have a certain “appetite” for the type of customer that will most likely be profitable. One example of a profitable customer may need to be between the ages of 40 and 55, owns a home, and has a high credit rating. Any driver who matches those parameters will get the preferred premium rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who don’t measure up to the “perfect” profile will get higher prices and this results in the customer not buying. If you listen closely, the ads state “drivers that switch” not “all people who quote” save that much money. That’s why companies can truthfully advertise the way they do.

Because of the profiling, you absolutely need to do a rate comparison at every renewal. Because you cannot predict which insurance companies will give you the biggest savings.

The coverage is in the details

Having a good grasp of auto insurance aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are the usual coverages found on the average auto insurance policy.

Comprehensive (Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, fire damage, damage from getting keyed and a broken windshield. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Pontiac Trans Sport.

Because many people 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 very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Collision insurance

This pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as colliding with a tree, hitting a parking meter and driving through your garage door. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as prosthetic devices, dental work, nursing services and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as medical services, repair costs for stationary objects, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Better coverage you can count on

Cost effective 1996 Pontiac Trans Sport insurance can be sourced both online and from local agencies, so you need to quote insurance coverage with both to get a complete price analysis. There are still a few companies who do not offer the ability to get quotes online and most of the time these small, regional companies provide coverage only through local independent agents.

We covered some good ideas how you can save on 1996 Pontiac Trans Sport insurance. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may even find the biggest savings come from the smaller companies. Some small companies may often insure only within specific states and give getter rates than their larger competitors like Progressive and Geico.

While you’re price shopping online, do not sacrifice coverage to reduce premiums. In many cases, drivers have reduced collision coverage and learned later they didn’t purchase enough coverage. Your goal is to buy enough coverage at a price you can afford, but do not skimp to save money.

Additional auto insurance information can be found on the following sites:

Comments About 1996 Pontiac Trans Sport Insurance

  1. Kayleigh Potts

    I got quite a few price quotes for a 1996 Pontiac Trans Sport in Cleveland, OH. Ended up at roughly $90 every six months with AAA. I get lower rates because of my clean driving record.

  2. Juan Forbes

    In Warren, Michigan, Allstate is a good choice. I quoted rates online then called them.

  3. Winona Collier

    I’m in Wichita, KS, and Progressive rates were affordable.

  4. Warren Beard

    Lots of useful info here. Checking in from Albuquerque, NM. Compared rates from a lot of places. Saved darn near $30 a month. GEICO was the most affordable for me. Anyone else drop full coverage?

  5. Rana Hendricks

    From east side of Concord, NH. I quoted with AIG Insurance, Encompass, and Safeco for my 1996 Pontiac Trans Sport and saved $114 a year. Teenage drivers are expensive! Not sure if rates are cheaper online or through an agent. I’m thinking about dropping full coverage though.

  6. Lorean Bryant

    Looking for cheaper 1996 Pontiac Trans Sport insurance in Atlanta, Georgia. Help!

  7. Bao Rosales

    I live west of Rockford, IL. I got free quotes from American Family, Eastwood, and Mercury for my Trans Sport and I think I am saving around $30 each month. Insured with Progressive before. It never hurts to quote around. Full coverage costs too much.

  8. Rhona Gross

    Where is cheaper car insurance? I’m just south of Albuquerque, NM. I quoted with AAA, Sentry, and a few others for my 1996 Pontiac Trans Sport and saved just over $110 a year. Just liability coverage since it’s getting old.

  9. Penelope Edwards

    Will Allstate give discounts for good grades?

  10. Michal Vaughan

    Any claims experience with 21st Century in Madison, WI?

  11. Fidel Vazquez

    Liked the article. I’m in the west part of Biloxi, MS. Got quotes with Mercury, Erie, 21st Century, and AIG Insurance for my Trans Sport and I think I am saving around $30 each month.

  12. Chan Sawyer

    What are minimum liability limits required in Minnesota?

  13. Kaley Wilkerson

    Quoted with Western Auto Insurance for my Trans Sport and am saving around $70 a year. I increased coverages a little too. Wish I didn’t have to insure at all. Next renewal I’ll just do liability.

  14. Elodia Flores

    I’m in the west part of Baton Rouge, Louisiana. Received rates from Travelers, Amica, GMAC, and MetLife for my 1996 Pontiac Trans Sport and I think I saved about $30 each month.

  15. Deanna Rich

    I chose to switch to GEICO from Amica. I live in Springfield, MO. Was with Hartford. A clean driving record helps. Highly recommended.

  16. Adrian Burris

    Good detail in your article. I live in a small town just outside of Jackson, MS. Got rates from Progressive, American Family, and some I forget for my Pontiac and saved around $100 a year. I used their website to get prices.