Lower Your 1990 Pontiac Trans Sport Insurance Rates

Did you make the mistake of buying high-priced insurance coverage? Don’t sweat it because many drivers feel the same as you.

There is such a variety of auto insurance companies to insure vehicles with, and though it is a good thing to have a choice, it can be more difficult to find the best rates for your vehicles.

Discounts for cheap auto insurance rates

The price of auto insurance can be rather high, but you might be missing out on some discounts that you may not even be aware of. Certain discounts will be triggered automatically when you purchase, but a few must be asked for before you will receive the discount.

  • Passenger Safety Discount – Options like air bags or motorized seat belts can get savings of 25 to 30%.
  • Driver’s Ed – It’s a good idea to have your young drivers take driver’s ed class if offered at their school.
  • Early Switch Discount – A few companies offer discounts for buying a new policy before your current expiration date. You may see this discount when you get car insurance quotes online.
  • Military Discounts – Having a deployed family member may lower your auto insurance rates slightly.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts may be able to save a few bucks off the medical payments premium.
  • No Claims – Claim-free drivers have much lower rates when compared to frequent claim filers.
  • Federal Government Employee – Simply working for the federal government may reduce rates when you quote car insurance on Trans Sport insurance but check with your company.
  • Resident Student – Older children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.
  • Accident Forgiveness Coverage – but a handful of insurance companies will allow you to have one accident without the usual rate increase so long as you are claim-free for a set time period.
  • Defensive Driver Discounts – Passing a course that instructs on driving safety can save you 5% or more if your company offers it.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way. Any qualifying discounts should help lower the cost of your policy.

If you would like to view insurance companies who offer discounts, follow this link.

Get cheap insurance rates by understanding these factors

Many different elements are part of the calculation when premium rates are determined. A few of the factors are predictable like a motor vehicle report, although some other factors are not quite as obvious such as your credit history or how safe your car is.

  • Multiple policies with one company can save – Most major companies allow better rates to clients that have more than one policy, otherwise known as a multi-policy discount. The discount can add up to ten percent or more. Even though this discount sounds good, it’s still a good idea to check prices from other companies to guarantee you are still saving the most.
  • Raise your physical damage deductibles for better prices – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. Some coverage claims could be colliding with a building, vandalism, or theft. Comp and collision deductibles state the amount of money you are willing to pay in the event of a claim. The higher the amount the insured has to pay upfront, the less money you will pay for insurance coverage on Trans Sport insurance.
  • How old are your drivers? – Teen drivers are known to be careless and easily distracted when behind the wheel so they pay higher insurance coverage rates. Older drivers are more cautious drivers, are lower risk to insure and get fewer tickets.
  • Big cities mean more claims – Being located in a rural area can save you money when it comes to insurance coverage. City drivers have to deal with more auto accidents and longer commutes to work. Less people living in that area corresponds to lower accident rates in addition to lower liability claims
  • Never let your insurance coverage policy lapse – Letting your insurance expire is a fast way to increase your renewal premiums. Not only will you pay higher rates, getting caught without coverage may result in a hefty fine and possibly a revoked license. You may then have to submit proof of financial responsibility or a SR-22 with your state DMV.

You may need specialized auto insurance coverage

When it comes to choosing coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique and your policy should reflect that. These are some specific questions can help discover if your insurance needs might need professional guidance.

  • Do I have coverage when using my vehicle for my home business?
  • Does liability extend to a camper or trailer?
  • Which is better, split liability limits or combined limits?
  • When would I need rental car insurance?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is a new car covered when I drive it off the dealer lot?
  • Can my teen driver be rated on a liability-only vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Learn about auto insurance coverages for a Pontiac Trans Sport

Knowing the specifics of your auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are typical coverages found on the average auto insurance policy.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your 1990 Pontiac Trans Sport.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally these coverages are similar to your liability insurance amounts.

Comprehensive coverage

This pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like theft, damage from a tornado or hurricane and hitting a deer. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance

Liability insurance will cover damages or injuries you inflict on people or other property. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things like loss of income, pain and suffering, repair bills for other people’s vehicles, bail bonds and medical services. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses such as EMT expenses, funeral costs, chiropractic care, doctor visits and dental work. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This coverage will pay to fix damage to your Trans Sport resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a parking meter, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

In conclusion

As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to find out that the savings was not a smart move. Your goal should be to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.

We just covered a lot of ways to lower your 1990 Pontiac Trans Sport insurance rates. The key concept to understand is the more quotes you get, the better your chances of lowering your car insurance rates. You may be surprised to find that the lowest rates are with a smaller regional carrier. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate or State Farm.

To learn more, feel free to visit the following helpful articles: