1998 Pontiac Trans Sport Car Insurance Quotes

Are you frustrated by the crazy number of insurance sources in your area? You’re not alone. vehicle owners have so many sources to choose from that it can easily become a lot of work to find the perfect company for you.

Consumers need to check insurance prices periodically because insurance prices change regularly. Even if you got the best rates for Trans Sport insurance a few years ago you will most likely find a better premium rate today. You’ll find a ton of advice on insurance out there, but in just a couple of minutes you can learn the best ways to find affordable insurance.

Free insurance quotes

Most of the larger companies make it easy to get pricing direct online. Getting prices online is quite simple as you just type in your coverage preferences as requested by the quote form. Once entered, their rating system pulls reports for credit and driving violations and provides a quote based on these factors.

This makes comparing rates easy, but the time it takes to visit different websites and type in the same data is a waste of time. But it’s necessary to get many rate quotes if you are searching for better prices.

The easy way to compare rates

A less time-consuming method to locate the lowest prices requires only one form that analyzes rates from more than one company. This type of form saves time, helps eliminate reptitive entry, and makes comparison shopping a little more enjoyable. After sending your information, it is quoted and you can choose any of the quotes that you receive. If the quotes result in lower rates, you can click and sign and purchase coverage. This process takes 15 minutes at the most and you will find out if you’re overpaying now.

To find out what other companies charge, click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you type in your coverages identical to your current policy. Using the same limits helps guarantee you will have rate quotes based on similar coverages.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining if you would benefit from an agent’s advice.

• Will my rates increase for filing one claim?
• Should I bundle my homeowners policy with my auto?
• Am I getting all the discounts available?
• What is the difference between comprehensive and collision coverage?
• Does my policy cover my teen driver if they drive my company car?
• Does my personal policy cover me when driving out-of-state?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form.

Parts of your insurance policy

Having a good grasp of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverages

Liability coverage protects you from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover 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 policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as attorney fees, medical expenses, funeral expenses and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

This pays for damage to your Trans Sport from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with another moving vehicle, crashing into a building, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, hitting a deer and a broken windshield. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they 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.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as funeral costs, dental work and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage