Compare 2004 Pontiac Montana Insurance Rates

Did you fall for a flashy sales pitch and buy high-priced auto insurance? You’re in good company because there are many people just like you. Since people have many auto insurance companies to choose from, it can be impossible to choose the best company.

Consumers should take time to shop coverage around yearly due to the fact that insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest quotes for Montana insurance a couple years back there may be better deals available now. Block out anything you think you know about auto insurance because we’re going to demonstrate the best way to save money, get proper deductibles and limits, all at the lowest rate.

Choices you make can impact your insurance rates

Consumers need to have an understanding of some of the elements that help determine auto insurance rates. If you have some idea of what impacts premium levels, this allows you to make good choices that could help you find lower auto insurance prices. Many different elements are part of the equation when pricing auto insurance. Some factors are common sense such as your driving record, but some are less apparent like your vehicle usage and annual miles driven.

Shown below are a few of the things used by insurance companies to determine your rates.

• Raise your comp and collision deductibles for better costs – Your deductibles state the amount of money you are willing to pay if a covered claim is submitted. Protection for physical damage, also called ‘full coverage’, protects your car from damage. Some examples of claims that would be covered would be collision with another vehicle, animal collisions, and having a roll-over accident. The more of the claim you are required to pay out-of-pocket, the less your auto insurance will be for Montana insurance.
• Your spouse saves you money – Having a spouse may earn you lower rates on your auto insurance policy. Having a significant other is viewed as being more financially stable it has been statistically shown that married drivers tend to file fewer claims.
• Is you vocation costing you more? – Jobs such as doctors, business owners and miners usually pay higher average rates because of stressful work requirements and long work hours. Conversely, occupations like scientists, engineers and the unemployed have lower than average premiums for Montana insurance.
• Too many policy claims drive up premiums – Companies generally give the best rates to insureds that do not abuse their auto insurance. If you’re an insured who likes to file claims you can look forward to higher premiums or even policy non-renewal. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.
• Save by driving vehicles with better crash test results – Vehicles with good safety scores tend to have lower insurance rates. Vehicles built for safety reduce the chance of injuries and any reduction in injury severity means less claims paid passed on to you as lower rates. If your Pontiac Montana has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.

How to lower your insurance cost

There are several ways to compare insurance prices but there is one way that is less time-consuming than others. You could spend your day driving to agents in your area, or you could save time and use online quotes to maximize your effort.

Many companies participate in a marketplace that allows shoppers to enter their coverage request one time, and each participating company can give them a price for coverage. This eliminates the need for quotation requests to each company.

To access this free quoting program, click to open in new window.

One minor caviat to using this type of system is you cannot specify the insurers to get quotes from. If you wish to select specific providers to request quotes from, we put together a list of companies who write insurance in your area. Click to view list.

Whichever method you choose, be sure you’re using the same coverage limits and deductibles for each quote you get. If you have different data you will not be able to determine the best price for your Pontiac Montana.

Can you really save that much by switching?

Consumers constantly see and hear ads that claim the lowest rates from the likes of State Farm and Allstate. All the companies tend to make the same promise about how much you will save if you just switch to their company.

It sounds good, but how can they all claim to save you money? Just pay attention to how they say it.

Most companies look for specific characteristics for a prospective insured that earns them the most money. A good example of a desirable risk could possibly be over the age of 40, owns a home, and chooses high deductibles. Any customer who matches that profile is entitled to the best price and will cut their rates if they switch.

Potential customers who may not quite match the ideal profile will probably be forced to pay more expensive rates and the customer buying from someone else. The wording the ads use say “drivers that switch” but not “everyone who gets a quote” save that much money. This is how insurance companies can make it sound like they have such great car insurance rates. Because of this risk profiling, you absolutely need to compare many company’s car insurance rates. You cannot predict which company will fit your personal profile best.

Insurance coverage policy discounts you can’t miss

Insurance coverage can be pricey, but you may be missing some discounts to help offset the cost. Many of these discounts will be applied automatically when you quote, but a few must be manually applied prior to receiving the credit.

• Payment Method – If you can afford to pay the entire bill instead of paying each month you can actually save on your bill.
• Multi-line Discount – Larger insurance carriers have a discounted insurance coverage rate on car insurance if you buy life insurance.
• Multi-Vehicle Discounts – Having all your vehicles on one policy could earn a price break for each car.
• Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of 25 to 30%.
• One Accident Forgiven – but some companies like Geico and Allstate will let one accident slide before your rates go up as long as you don’t have any claims prior to the accident.

Remember that some of the credits will not apply to the entire cost. A few only apply to individual premiums such as liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A list of insurance coverage companies and some of the premium reductions they offer are outlined below.

• Travelers may have discounts that include save driver, home ownership, good student, payment discounts, and IntelliDrive.
• 21st Century includes discounts for homeowners, driver training, teen driver, theft prevention, defensive driver, air bags, and good student.
• State Farm offers discounts including driver’s education, Drive Safe & Save, multiple autos, student away at school, passive restraint, good student, and Steer Clear safe driver discount.
• Geico has savings for air bags, emergency military deployment, federal employee, daytime running lights, and multi-policy.
• SAFECO offers premium reductions for safe driver, accident prevention training, drive less, teen safety rewards, multi-car, homeowner, and bundle discounts.
• AAA offers discounts for education and occupation, anti-theft, multi-car, good student, pay-in-full, AAA membership discount, and good driver.

Before buying, ask every insurance company what discounts are available to you. A few discounts might not be offered in your area. To see companies who offer discounts, click here.

Insurance agents can help

When it comes to choosing coverage for your personal vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions may help highlight if your situation would benefit from an agent’s advice.

• Am I covered if I hit a deer?
• Why is insurance for a teen driver so high?
• Do I have any recourse if my insurance company denies a claim?
• Can I afford to pay high deductible claims out of pocket?
• Are rock chip repairs covered?
• Is pleasure use cheaper than using my 2004 Pontiac Montana to commute?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Auto insurance coverage considerations

Learning about specific coverages of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages found on most auto insurance policies.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as damaging your car on a curb, driving through your garage door and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like vandalism, falling objects, rock chips in glass and damage from a tornado or hurricane. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Pontiac Montana.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses such as pain medications, doctor visits, chiropractic care, prosthetic devices and EMT expenses. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Liability auto insurance

Liability insurance protects you from damage or injury you incur to other people or property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like attorney fees, emergency aid, pain and suffering and loss of income. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Be a smart shopper

In this article, we covered many tips how you can compare 2004 Pontiac Montana insurance rates online. The most important thing to understand is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. You may even discover the lowest priced auto insurance comes from some of the lesser-known companies. Regional companies may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

Some insurance providers may not provide rate quotes online smaller companies provide coverage only through local independent agencies. Affordable 2004 Pontiac Montana insurance is possible both online as well as from insurance agents, and you should be comparing both to have the best rate selection.

Much more information about auto insurance can be read at these links:

• Prepare your Teens for Safe Driving (InsureUonline.org)
• (MontanaCarInsurancePros.com)
• Teen Driving and Texting (State Farm)
• What is Full Coverage? (Allstate)
• Auto Crash Statistics (Insurance Information Insitute)