Searching for lower insurance coverage rates for your Pontiac Trans Sport? Perplexed by the dozens of insurance coverage sources available to you? You have such a large number of options that it can be a difficult situation to find lower premium rates.
It’s a great practice to compare prices quite often because prices are constantly changing. If you had the best price on Trans Sport insurance last year there may be better deals available now. Forget all the misinformation about insurance coverage because it’s time to teach you the things you must know in order to save on insurance coverage.
To find more affordable prices, there are a couple of ways to compare rate quotes from companies that offer insurance coverage in your state. The recommended way to do a complete rate comparison is to use the internet to compare rates. It’s really quite simple and can be done using a couple different methods.
The approach you take is up to you, just make sure you use nearly identical coverage data for each quote you get. If you have different data you can’t possibly make an equal comparison. Just slight variations in limits could mean much higher rates. Just keep in mind that getting more free quotes will enable you to find more affordable insurance. Some insurance companies are not set up to provide prices over the internet, so you need to compare price quotes from them, too.
When buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.
For instance, these questions might point out if you might need an agent’s assistance.
If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form.
Having a good grasp of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.
Med pay and PIP coverage provide coverage for bills for things like hospital visits, chiropractic care, surgery, pain medications and doctor visits. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Pontiac Trans Sport.
Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages do not exceed the liability coverage limits.
This coverage will cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.
Liability insurance covers claims like emergency aid, attorney fees, bail bonds, medical expenses and funeral expenses. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.
This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers claims such as driving through your garage door, colliding with another moving vehicle, hitting a mailbox, colliding with a tree and rolling your car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.
This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like rock chips in glass, hail damage, damage from flooding, damage from a tornado or hurricane and falling objects. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Cristobal Mckay
Where is cheaper car insurance? I’m in the suburbs of Fayetteville, AR. Went online for free insurance quotes for a 1997 Pontiac Trans Sport. Ended up at about $120 savings annually. Went with State Farm. Insured with Esurance before. Moved home policy as well. Did it all online. Only insure liability on my Pontiac.
Alanna Pugh
I live just outside Greensboro, NC. Got car insurance rates from 21st Century, American Family, and some I forget for my 1997 Pontiac Trans Sport and I’m now saving $15 a month. Insured with Farmers before. I think I’ll get rid of full coverage next time.
Daisy Golden
Anyone buy from Auto-Owners? I’m in Detroit, Michigan.
Billy Ross
Not sure if this is cheap. I’m in Nampa, ID. Compared rates from a lot of places. Saved right around $30 a month. 21st Century was the cheapest for me. Bought it from an online quote.
Marylou Skinner
Great info, thanks for posting. I’m from Cedar Rapids, Iowa. Compared rates from a lot of places. Saved about $20 a month. Allstate was the best choice for me. Was with GMAC. A clean driving record helps. Not sure if rates are cheaper online or not. It’s only liability tho.
Alta Boyd
This is too expensive. From northwest of Dallas, TX. Don’t remember every company but I ended up saving about $20 each month. I get lower rates because of my clean driving record. LOL I don’t put full coverage on it.
Bryant Mack
Will GEICO insure with a DUI in Mobile, Alabama?
Clara Miles
Thanks for putting this site together. Went with Nationwide for my Pontiac and cut my rates about $80 a year. Insured with Nationwide before. Highly recommended. My Pontiac doesn’t have full coverage.
Donella Waller
Thought I’d throw in my experience. From a town just southwest of Tampa, FL. Got quotes with AAA, Nationwide, and USAA for my Trans Sport and saved $86 a year.