How Much Does 1992 Pontiac Trans Sport Car Insurance Cost?

Pricey Pontiac Trans Sport insurance can sap your savings and make it hard to pay other bills. Comparing rates annually can be a smart way to reduce premiums and put more money in your pocket.

With so many car insurance companies to choose from, it can be diffult for drivers to find the right insurer.

Compare insurance coverage rate quotes

There are a lot of ways to compare insurance coverage quotes, but one way is less labor-intensive and much quicker. You could spend your day talking to insurance companies in your area, or you could use online quoting to get pricing more quickly.

Many companies participate in a marketplace that enables customers to enter their coverage request one time, and each company can provide price quotes based on that data. This eliminates the need for repetitive form submissions to every company.

To use this form to compare rates click here to open in new window.

The one disadvantage to getting quotes like this is you are unable to specify the companies to receive prices from. So if you want to select specific providers to compare, we put together a list of insurance coverage companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just make sure you compare the same information on every quote you get. If you have different values for each quote you will not be able to find the best deal for your Pontiac Trans Sport. Having just a slight variation in coverages can result in a big premium difference. Just keep in mind that comparing more rates from different companies helps increase your odds of locating the best offered rates. Not every company provides prices over the internet, so it’s necessary to compare price quotes from the smaller companies as well.

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Why you might pay inflated rates

It’s important that you understand a few of the rating criteria that play a part in calculating auto insurance rates. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that may result in much lower annual insurance costs.

Pay more by driving carelessly – Drivers with clean records pay lower auto insurance prices than bad drivers. Even one ticket may cause rates to rise by twenty percent. Drivers unfortunate enough to have multiple violations like hit and run, DWI or reckless driving convictions may be required to maintain a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.
Frequent claims will cost you – Companies provide cheaper rates to policyholders who are not frequent claim filers. If you are the type of insured that files lots of claims you can look forward to higher rates. Insurance coverage is intended to be relied upon for claims that pose a financial burden.
Women tend to take less risk – Over the last 30 years, statistics show females are less aggressive when driving. However, don’t assume that women are BETTER drivers than men. Women and men are in fender benders at a similar rate, but the males tend to have higher claims. They also receive more costly citations like driving under the influence (DUI).
Is your vehicle theft-ready? – Buying a car with anti-theft technology or alarm system can save you a little every year. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft and help bring rates down.
If you don’t need it don’t buy it – Insurance policies have a lot of extra coverages you can purchase if you aren’t diligent. Coverages for personal injury protection, death and dismemberment, and membership fees may not be needed and are just wasting money. They may seem like a good idea initially, but now you might not need them so remove them and pocket the money.
Costs and your address – Being located in a small town can save you money when shopping for auto insurance. Less people living in that area means less chance of accidents and also fewer theft and vandalism claims. Urban drivers regularly have more traffic problems and longer commutes to work. Longer commute distances translates into higher accident risk.

Discounts to earn cheap insurance rates

Companies don’t always advertise all disounts in an easy-to-find place, so here is a list a few of the more common in addition to some of the lesser obvious credits that you can use to lower your rates. If you aren’t receiving every discount possible, you’re paying more than you need to.

Theft Deterent Discount – Cars and trucks optioned with advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
Safe Driver Discounts – Safe drivers can pay as much as 50% less for Trans Sport insurance compared to accident prone drivers.
Discount for Life Insurance – Insurance carriers who offer life insurance give lower insurancerates if you buy life insurance from them.
Mature Driver Discount – Drivers over the age of 55 may qualify for lower premium rates for Trans Sport insurance.
Braking Control Discount – Vehicles with anti-lock braking systems can stop better under adverse conditions and therefore earn up to a 10% discount.
Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn cheaper rates.
Savings for New Vehicles – Insuring a vehicle that is new may earn a small discount compared to insuring an older model.

As is typical with insurance, most credits do not apply to the overall cost of the policy. Most cut specific coverage prices like liability, collision or medical payments. So even though you would think you could get a free insurance policy, insurance companies wouldn’t stay in business.

A list of insurance companies and a selection of discounts are outlined below.

Progressive may include discounts for multi-vehicle, online signing, homeowner, continuous coverage, and good student.
SAFECO may offer discounts for teen safety rewards, anti-theft, bundle discounts, safe driver, homeowner, and multi-car.
American Family policyholders can earn discounts including good driver, good student, air bags, early bird, multi-vehicle, Steer into Savings, and TimeAway discount.
MetLife has discounts for good driver, good student, claim-free, accident-free, multi-policy, and defensive driver.
GEICO may have discounts that include emergency military deployment, five-year accident-free, multi-policy, driver training, air bags, military active duty, and daytime running lights.
The Hartford discounts include good student, vehicle fuel type, driver training, air bag, anti-theft, and bundle.

If you need low cost insurance quotes, ask all companies you are considering the best way to save money. Depending on the company, some discounts might not be available to policyholders everywhere. To see a list of insurers that offer many of these discounts, follow this link.

Tailor your car insurance coverage to you

When choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions could help you determine whether you might need an agent’s assistance.

Do I have newly-aquired coverage?
What is covered by UM/UIM coverage?
Am I covered if I crash into my own garage door?
Am I covered when driving in Canada or Mexico?
Is extra glass coverage worth it?
Should I sign the liability waiver when renting a car?
Is my cargo covered for damage or theft?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Auto insurance coverage basics

Understanding the coverages of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages available from auto insurance companies.

Liability coverages – Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things such as structural damage, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Medical expense coverage – Med pay and PIP coverage provide coverage for bills like rehabilitation expenses, nursing services and chiropractic care. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured or underinsured coverage – This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your 1992 Pontiac Trans Sport.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are set the same as your liablity limits.

Comprehensive protection – Comprehensive insurance coverage will pay to fix 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 can pay for claims such as theft, fire damage, hail damage, rock chips in glass and a tree branch falling on your vehicle. The maximum amount a auto 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 consider removing comprehensive coverage.

Collision coverages – This pays for damage to your Trans Sport caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a mailbox, backing into a parked car, hitting a parking meter, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Summing up your auto insurance search

When shopping online for auto insurance, do not buy less coverage just to save a little money. There are many occasions where an accident victim reduced physical damage coverage only to regret at claim time they didn’t have enough coverage. The goal is to buy the best coverage you can find at the lowest possible cost, but do not sacrifice coverage to save money.

Some insurance companies may not offer online quoting and usually these regional carriers work with local independent agents. Cheaper auto insurance can be sourced from both online companies in addition to local insurance agencies, and you should compare price quotes from both so you have a total pricing picture.

We just covered many ideas to reduce 1992 Pontiac Trans Sport insurance car insurance rates online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding affordable insurance. Consumers could even find that the best price on auto insurance is with a company that doesn’t do a lot of advertising. These companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

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