Compare 2007 Pontiac Torrent Insurance Rates

Finding cheaper insurance for your Pontiac Torrent can turn out to be an all-consuming task, but you can learn our auto insurance buying tips to make it easier. There are both good and bad ways to compare auto insurance rates and we’ll show you the absolute fastest way to quote coverages for your Pontiac and find the cheapest rates either online or from local insurance agents.

It’s important to check auto insurance prices at least once a year since insurance prices are constantly changing. Just because you found the best deal on Torrent coverage a year ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because it’s time to teach you the best way to properly buy coverages and cut your premium.

Compare quotes for auto insurance

Effectively comparing auto insurance prices can be a lot of work if you aren’t aware of the easiest way. You could spend your day talking to insurance agencies in your area, or you can utilize online quoting to maximize your effort.

Many insurance companies enroll in a system that enables customers to enter their policy data once, and each company can provide price quotes for coverage. This eliminates the need for quote requests to each individual auto insurance company.

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

One minor caviat to pricing coverage this way is you don’t know exactly the insurers you want pricing from. If you wish to select specific providers to request quotes from, we have a page of auto insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, be certain you are entering exactly the same information for each comparison quote. If each company quotes different liability limits it will be next to impossible to find the best deal for your Pontiac Torrent.

Do you qualify for discount insurance?

Insurance is expensive, but you may qualify for discounts that may help make it more affordable. Certain reductions will be credited at the time of quoting, but once in a while a discount must be asked about before they will apply. If you aren’t receiving every discount available, you may be paying too high a price.

• Pay Early and Save – If you pay your bill all at once as opposed to paying monthly you can actually save on your bill.
• Homeowners Discount – Just being a homeowner may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
• Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
• Professional Organizations – Being a member of a qualifying organization could qualify you for a break on your bill.
• Senior Citizens – Mature drivers may receive a small decrease in premiums on Torrent coverage.
• Braking Control Discount – Vehicles that have anti-lock braking systems can reduce accidents so you can save 10 percent or more.
• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase some life insurance too.
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
• Discounts for Good Drivers – Accident-free drivers may save up to 50% more on Torrent coverage than drivers with accidents.
• Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems help deter theft so companies will give you a small discount.

A little disclaimer on discounts, most credits do not apply to your bottom line cost. A few only apply to individual premiums such as comp or med pay. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.

A few companies that have many of the previously listed discounts may include but are not limited to:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

When quoting, ask every prospective company which discounts you may be entitled to. All car insurance discounts might not be available to policyholders in your state. To view insurance companies that offer some of these discounts, follow this link.

Smart buyers know how to get auto insurance at a discount

Multiple criteria are used when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but other criteria are more obscure like your vehicle usage or how safe your car is.

The items below are a partial list of the pieces used by your company to calculate your prices.

• Only buy coverage you need – Insurance policies have a lot of optional add-on coverages that sound like a good idea at the time on your Torrent policy. Coverages for vanishing deductibles, accidental death, and extra life insurance coverage are examples of these. They may sound like good ideas at first, but if you have no use for them eliminate them to save money.
• File claims and pay more – Companies award the lowest premiums to policyholders who file claims infrequently. If you file claims often, you can look forward to either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.
• Choose high IIHS safety ratings and save – Safe vehicles tend to have better insurance rates. Highly rated vehicles have better occupant injury protection and lower rates of occupant injuries translates into savings for insurance companies and lower rates for you. If your Pontiac is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
• Prevent coverage lapses – Having an insurance coverage lapse will be a guaranteed way to drive up your policy premiums. In addition to paying higher premiums, the inability to provide proof of insurance will get you a fine, jail time, or a revoked license. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
• Get better rates if married – Walking down the aisle can get you a discount compared to being single. Marriage demonstrates that you tend to be more mature than a single person and it’s statistically proven that being married results in fewer claims.

What insurance coverages do I need?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different.

For example, these questions may help highlight whether your personal situation may require specific advice.

• Can I drive in Mexico and have coverage?
• What is covered by UM/UIM coverage?
• How can I get high-risk coverage after a DUI?
• Is a new car covered when I drive it off the dealer lot?
• How much underlying liability do I need for an umbrella policy?
• Does insurance cover damages from a DUI accident?
• What happens if I owe more than my 2007 Pontiac Torrent is worth?
• Am I missing any policy discounts?
• Is there coverage for injuries to my pets?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Auto insurance coverage options for a 2007 Pontiac Torrent

Understanding the coverages of auto insurance can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverages

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, rock chips in glass, theft, damage from getting keyed and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance

Liability coverage provides protection from damage that occurs to other people or property by causing an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against things like emergency aid, repair bills for other people’s vehicles, loss of income and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses such as surgery, X-ray expenses, doctor visits, funeral costs and hospital visits. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage protection

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as rolling your car, colliding with another moving vehicle, damaging your car on a curb, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Pontiac Torrent.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

A little work can save a LOT of money

You just learned a lot of information how to save on 2007 Pontiac Torrent insurance. The key thing to remember is the more providers you compare, the better likelihood of getting low cost insurance. Drivers may discover the best price on auto insurance is with a small local company.

Affordable 2007 Pontiac Torrent insurance can be sourced online as well as from insurance agents, so you need to quote insurance with both to have the best chance of lowering rates. Some insurance companies don’t offer online rate quotes and most of the time these small insurance companies prefer to sell through independent insurance agents.

As you shop your coverage around, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where consumers will sacrifice liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your goal is to purchase plenty of coverage at a price you can afford, but do not skimp to save money.

For more information, take a look at these articles:

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)