1996 Pontiac Trans Sport Insurance Cost – 5 Tips for Best Prices

Locating the lowest cost auto insurance might appear somewhat intimidating for consumers who are beginners to quoting and buying their auto insurance on the web. With a ridiculous number of online companies available, how are consumers able to efficiently compare the different rates to find the best pricing?

It’s a great practice to shop coverage around before your policy renews because insurance rates trend upward over time. Even if you got the lowest rate on Trans Sport coverage on your last policy there is a good chance you can find better prices now. Ignore everything you know about auto insurance because you’re about to find out the best way to eliminate unnecessary coverages and save money.

How to compare car insurance rate quotes

When shopping for the cheapest auto insurance quotes, there are a couple of ways of comparing price quotes from different insurance companies. By far the easiest way to find competitive 1996 Pontiac Trans Sport insurance rates involves getting comparison quotes online. This can be done by using one of the methods below.

  1. The most efficient way to find low rates is to use a rate comparison form like this one (opens in new window). This quick form saves time by eliminating boring form submissions for every prospective company. Filling out one form will return price quotes from multiple companies. It’s definitely the quickest method.
  2. A more difficult way to shop for car insurance online is going to the website for each individual company to complete their respective quote request forms. For instance, let’s say you want rates from Nationwide, Farmers and State Farm. In order to get each rate, you would have to take the time to go to each site to input your insurance information, which can be really labor intensive.

    For a list of links to insurance companies in your area, click here.

Whichever way you choose to compare rates, be certain you are entering nearly identical quote data for every quote you compare. If you use differing limits it will be nearly impossible to make a fair rate comparison. Even a minor difference in insurance coverages may result in a large different in cost. It’s important to know that comparing more quotes helps increase your odds of locating a lower rate than you’re paying now. Not every company does prices over the internet, so it’s important to compare rates from those companies as well.

Brand name doesn’t guarantee savings

Big name companies like Progressive, Allstate and GEICO regularly use television, radio, and online ads. All the companies make the same claim that you’ll save big if you get a free auto insurance quote and switch your insurance policy to them. How does every company charge lower premium rates? Here is the trick they use.

All companies quote their cheapest rates for the type of driver that will add to their bottom line. One example of a profitable insured should be between the ages of 40 and 55, insures multiple vehicles, and drives less than 5,000 miles a year. A driver that hits that “sweet spot” gets the lowest prices and is almost guaranteed to save quite a bit of money when switching.

Insureds who do not fit these criteria may receive higher prices which usually ends up with business going elsewhere. The trick is to say “customers who switch” not “all people who quote” save that much money. That is how companies can truthfully make it sound like they have such great prices. Because each company has a different risk profile, you should get as many free auto insurance quotes as possible. It’s not possible to predict which insurance company will have the best premium rates at this point in time.

Save with these five discounts

Companies don’t always publicize the complete list of policy discounts very well, so below is a list a few of the more common and the more hidden credits that may apply to you. If you are not receiving all the discounts possible, you are paying more than you should be.

  • Senior Discount – If you’re over the age of 55, you can possibly qualify for reduced rates on Trans Sport coverage.
  • Sign Online – A handful of companies give back up to $50 for buying your policy digitally online.
  • Professional Organizations – Affiliation with specific professional or occupational memberships or organizations could qualify you for a break on insurance coverage.
  • Low Mileage Discounts – Driving fewer miles may enable drivers to earn lower prices on the low mileage vehicles.
  • Multiple Vehicles – Buying a policy with all your vehicles on one policy could earn a price break for each car.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce specific coverage prices like comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, you won’t be that lucky.

A few companies that may have most of the discounts above include:

If you need lower rates, check with every company to give you their best rates. Some discounts may not apply in your state. To see a list of companies with the best insurance coverage discounts, follow this link.

Special considerations

When buying the right insurance coverage, there is no perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that might help in determining whether you might need professional guidance.

  • Are rock chip repairs covered?
  • Why do I need rental car insurance?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I pay less for low miles?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I sign the liability waiver when renting a car?
  • Does my car insurance cover rental cars?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverage information

Knowing the specifics of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like falling objects, a tree branch falling on your vehicle, damage from a tornado or hurricane, fire damage and damage from getting keyed. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills like nursing services, hospital visits, funeral costs and EMT expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

Collision coverage pays for damage to your Trans Sport resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, driving through your garage door, scraping a guard rail, hitting a parking meter and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Liability auto insurance

This provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like court costs, attorney fees, emergency aid, legal defense fees and pain and suffering. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

More effort can pay off

Drivers leave their current company for a number of reasons such as questionable increases in premium, extreme rates for teen drivers, unfair underwriting practices or even denial of a claim. No matter why you want to switch, switching auto insurance companies can be easier than you think.

In this article, we presented a lot of techniques to save on 1996 Pontiac Trans Sport insurance. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding cheaper auto insurance. You may even discover the best price on auto insurance is with some of the smallest insurance companies.

When buying insurance coverage, it’s a bad idea to reduce needed coverages to save money. Too many times, an insured dropped liability coverage limits only to discover later that it was a big error on their part. Your focus should be to buy enough coverage at the best cost, but do not sacrifice coverage to save money.

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