Lower Your 1995 Pontiac Trans Sport Insurance Quotes

Trying to find the cheapest auto insurance rates? Buyers have lots of choices when searching for the best price on Pontiac Trans Sport insurance. They can either spend hours calling around to compare prices or save time using the internet to make rate comparisons.

There is a better way to buy auto insurance so we’re going to tell you the proper way to price shop coverage for a new or used Pontiac and locate the lowest price from local insurance agents and online providers.

It’s a good idea to take a look at other company’s rates before your policy renews because insurance rates tend to go up over time. Even if you got the lowest rates on Trans Sport insurance two years ago there is a good chance you can find better rates now. Starting now, forget all the misinformation about auto insurance because I’m going to teach you the easiest way to lower your annual insurance bill.

Compare the Market for Auto Insurance

Getting a cheaper price on 1995 Pontiac Trans Sport insurance is surprisingly easy. Drivers just need to spend a few minutes on the computer comparing rates provided by online insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. The recommended way to get quotes is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating boring form submissions to each individual auto insurance company. A single, simple form compares rates from several companies. This is perfect if you don’t have a lot of time.
  2. A more difficult way to compare rate quotes requires a trip to the website for every company you want to comare to complete their respective quote request forms. For sake of this example, let’s assume you want rates from Farmers, Progressive and Liberty Mutual. You would have to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.
  3. The least efficient way of getting rate comparisons is driving to insurance agents’ offices. Buying insurance online eliminates the need for an insurance agent unless you have a need for the trained guidance only provided by licensed agents. However, consumers can obtain prices from the web but buy from a local insurance agent and you’ll learn how to do that later.

It’s up to you which method you use, but double check that you are using exactly the same deductibles and coverage limits with every price quote. If you enter different deductibles it’s impossible to determine the best price for your Pontiac Trans Sport.

Lots of discounts mean lots of savings

Car insurance is not cheap, but discounts can save money and there are some available that you may not even be aware of. Some trigger automatically when you quote, but some must be asked about in order for you to get them. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more on Trans Sport insurance than drivers with accidents.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Student in College – Kids in college who live away from home without a vehicle on campus can receive lower rates.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Pontiac could qualify for a substantially lower rate.
  • Discount for Life Insurance – Some companies give a break if you buy a life insurance policy as well.

Keep in mind that some credits don’t apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comp or med pay. So when it seems like you can get free auto insurance, auto insurance companies aren’t that generous. But any discount will reduce the cost of coverage.

A partial list of companies that possibly offer these money-saving discounts include:

Before buying, ask every prospective company what discounts are available to you. Savings may not be available in your area.

Situations that might require an agent

When choosing adequate coverage for your personal vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover if your situation may require specific advice.

  • Does my car insurance cover rental cars?
  • Do I need replacement cost coverage on my 1995 Pontiac Trans Sport?
  • Am I missing any policy discounts?
  • Do I benefit by insuring my home with the same company?
  • Does my insurance cover a custom paint job?
  • Should I carry comprehensive and collision coverage?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Car insurance coverages for a Pontiac Trans Sport

Knowing the specifics of insurance can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Auto liability

This will cover damage or injury you incur to people or other property. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like loss of income, bail bonds and structural damage. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Collision protection

This coverage covers damage to your Trans Sport resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like driving through your garage door, damaging your car on a curb, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for EMT expenses, ambulance fees and doctor visits. They are used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive auto coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, hitting a bird, a broken windshield and rock chips in glass. The maximum payout your 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.