Compare 1993 Pontiac Trans Sport Insurance Rates

Tired of robbing Peter to pay Paul to pay your car insurance bill each month? You are in the same boat as many other drivers. Big-name insurance companies like GEICO, Farmers Insurance and State Farm persitently shower you with fancy advertisements and it is difficult to avoid their marketing magic and find the best price available.

It’s important to do rate comparisons once or twice a year due to the fact that insurance rates change quite often. If you had the best price on Trans Sport coverage a year ago you may be paying too much now. Starting now, forget anything you know (or think you know) about insurance coverage because you’re about to learn one of the quickest ways to find lower rates on insurance coverage.

If you have insurance now or are looking for a new policy, you can use this information to get lower rates and possibly find even better coverage. Choosing the best insurance company for you is quite easy. Vehicle owners just need to know the proper way to compare rates on the web.

Pontiac Trans Sport insurance rates can be determined by these details

Smart consumers have a good feel for the factors that play a part in calculating insurance coverage rates. Having a good understanding of what impacts premium levels enables informed choices that can help you get big savings.

  • Do you have enough liability coverage? – Your policy’s liability coverage is the protection in the event that you are found liable for damages from an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so do not skimp.
  • Lower miles equals lower premium – The more miles you rack up on your Pontiac each year the more you’ll pay to insure your vehicle. The majority of insurers apply a rate based upon how you use the vehicle. Autos used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your insurance coverage policy properly reflects how each vehicle is driven. Incorrect usage on your Trans Sport may be wasting your money.
  • Bad driving skills means higher rates – Even a single moving violation may increase your cost forty percent or more. Drivers with clean records receive lower rates than people who have multiple driving citations. Drivers who get severe violations like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
  • Do you work long hours in a high stress job? – Did you know that where you work can have an impact on rates? Occupations such as real estate brokers, executives and stock brokers tend to have the highest rates due to high stress and lengthy work days. On the other hand, occupations like scientists, students and performers receive lower rates on Trans Sport coverage.
  • Optional equipment can affect rates – Choosing a vehicle with an alarm system can help bring down rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
  • A lapse in coverage is a bad thing – Having an insurance coverage lapse is a sure-fire way to bump up your insurance coverage costs. And not only will your rates increase, but not being able to provide proof of insurance can result in a steep fine or even jail time.You may need to file a SR-22 with your state motor vehicle department.

Discounts on Pontiac Trans Sport insurance

Companies offering auto insurance do not advertise every discount in a way that’s easy to find, so we break down some of the best known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Low Mileage – Fewer annual miles on your Pontiac could qualify for better rates on cars that stay parked.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • Homeowners Pay Less – Owning a home may trigger a car insurance policy discount because owning a home is proof that your finances are in order.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Passive Restraints and Air Bags – Factory air bags can qualify for discounts of up to 25% or more.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most only cut specific coverage prices like medical payments or collision. Just because you may think you can get free auto insurance, it doesn’t quite work that way.

Companies that may have these money-saving discounts are:

It’s a good idea to ask each company which discounts you may be entitled to. Savings might not be offered everywhere.

Is there deception in advertising?

Consumers constantly see and hear ads for the lowest price auto insurance by Progressive, GEICO, Allstate and State Farm. All the companies make the same claim about savings if you change to their company.

How can each company claim to save you money?

All companies have a preferred profile for the type of driver that makes them money. For instance, a profitable customer could possibly be over the age of 50, a clean driving record, and has a short commute. A customer getting a price quote who meets those qualifications is entitled to the best price and most likely will save when they switch companies.

Potential insureds who don’t qualify for the requirements will be charged more money and this can result in business not being written. The ads state “drivers who switch” not “people who quote” save that much. That’s why companies can truthfully state the savings. That is why it is so important to compare as many rates as you can. It’s just too difficult to predict which insurance companies will provide you with the cheapest Pontiac Trans Sport insurance rates.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there really is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine if your situation would benefit from professional advice.

  • Is my 1993 Pontiac Trans Sport covered for smoke damage?
  • Are my tools covered if they get stolen from my vehicle?
  • How much underlying liability do I need for an umbrella policy?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered by my spouse’s policy after a separation?
  • I have a DUI can I still get coverage?
  • What is high-risk coverage and where do I buy it?
  • Is my Pontiac Trans Sport covered if I use it for business?
  • At what point should I drop full coverage?
  • When would I need additional glass coverage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your policy

Understanding the coverages of insurance helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages offered by insurance companies.

Comprehensive coverage

This covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, vandalism and theft. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 1993 Pontiac Trans Sport.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for bills like nursing services, dental work and ambulance fees. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Auto collision coverage

This coverage will pay to fix damage to your Trans Sport resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as backing into a parked car, rolling your car, hitting a mailbox, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Auto liability

Liability insurance provides protection from damages or injuries you inflict on people or other property. This coverage protects you from legal claims by others, and does not provide coverage for 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. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for things such as funeral expenses, loss of income and structural damage. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Do the work, save more money

The cheapest 1993 Pontiac Trans Sport insurance can be found both online as well as from independent agents, so you should compare both in order to have the best chance of saving money. Some insurance companies don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

While you’re price shopping online, it’s very important that you do not skimp on coverage in order to save money. There have been many situations where drivers have reduced comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at a price you can afford, not the least amount of coverage.

In this article, we covered a lot of ways to get a better price on insurance. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. Drivers may discover the most savings is with a small mutual company. They may only write in your state and offer lower rates than their larger competitors like Allstate, GEICO and Progressive.

Helpful learning opportunities