Compare 2002 Pontiac Montana Insurance Quotes

Trying to find the cheapest insurance rates for your Pontiac Montana? Have you finally had enough of robbing Peter to pay Paul to keep your car insured? You have the same problem as many other consumers. Companies like State Farm, GEICO and Farmers Insurance continually bombard you with TV and radio ads and it is difficult to ignore the propoganda and effectively compare rates to find the best deal.

Which insurance is cheapest?

Most larger insurance companies like Allstate and Progressive give price estimates from their websites. Obtaining pricing is very simple because you just enter your required coverages on the page. Once you submit the form, their rating system collects credit information and your driving record and returns a price quote based on many factors. Online quotes makes it easy to compare insurance prices but the process of having to visit each company’s website and repetitively type in the same information can be a bit repetitive. But it’s also necessary to do this if you are searching for a better rate.

There is an easier way!

A better way to get multiple rate quotes is to use a quote form that gets price quotes from more than one company. This type of form saves time, eliminates repetitive work, and makes online quotes a little more enjoyable. Immediately after you send the form, it is quoted and you are able to buy any of the price quotes you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. The entire process just takes a couple of minutes and you’ll know if lower rates are available.

To save time and fill out one form to compare multiple rates now, click here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you enter the coverages exactly as shown on your declarations page. This makes sure you are getting comparison quotes based on identical coverages.

Discounts for cheap insurance rates

Companies offering auto insurance don’t list all possible discounts in an easy-to-find place, so the below list has some of the best known and the harder-to-find credits available to you.

  • Online Discount – Many larger companies provide a small discount for signing up on the web.
  • Driving Data Discount – Drivers who elect to allow their company to track driving manner through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm may see discounts if their driving habits are good.
  • Passive Restraints – Options like air bags or automatic seat belts can get savings of 25 to 30%.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower insurancerates if you buy auto and life insurance together.
  • Senior Citizen Rates – Older drivers are able to get better insurance rates on Montana coverage.

Policy discounts save money, but most discounts do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A few popular companies and the discounts they provide are shown below.

  • GEICO offers discounts for driver training, multi-policy, defensive driver, emergency military deployment, and good student.
  • MetLife includes discounts for good student, accident-free, multi-policy, claim-free, and good driver.
  • State Farm has savings for multiple policy, good driver, student away at school, driver’s education, safe vehicle, and defensive driving training.
  • Progressive may have discounts that include multi-policy, multi-vehicle, online signing, homeowner, online quote discount, and continuous coverage.
  • Mercury Insurance offers premium reductions for low natural disaster claims, ease of repair, good driver, good student, anti-theft, and location of vehicle.
  • 21st Century policyholders can earn discounts including 55 and older, automatic seat belts, air bags, student driver, and early bird.
  • Allstate has discounts for premier plus, good student, new car, teenSMART discount, auto/life discount, and resident student.

Before buying, ask all companies you are considering to give you their best rates. Some discounts listed above may not be available in every state. If you would like to view providers that offer discounts, follow this link.

How to lower your insurance premiums

Many different elements are part of the calculation when premium rates are determined. A few of the factors are predictable like your driving record, but other criteria are not as apparent such as your marital status or how financially stable you are.A large part of saving on insurance coverage is knowing some of the factors that help calculate the level of your policy premiums. When you understand what determines premiums, this enables you to make decisions that can help you get big savings.

Shown below are a partial list of the pieces utilized by car insurance companies to help set your premiums.

  • Bundle policies and save – Lots of insurance coverage companies provide lower prices to people that buy multiple policies in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to check prices from other companies to ensure the best deal.
  • Your career may increase rates – Jobs like lawyers, business owners and stock brokers generally have higher premium rates in part from high stress levels and long work days. On the other hand, occupations like actors, engineers and homemakers pay lower than average rates on Montana coverage.
  • Gals tend to cost less – Over time, data shows that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Both genders cause at-fault accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Not only that, but men also get higher numbers of serious violations like DWI (DUI) or reckless driving.
  • Know your vehicle’s safety rating – Vehicles that have high safety ratings tend to have lower insurance rates. Highly rated vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts which can mean better rates for you.

You may need specialized insurance coverage

When it comes to choosing adequate coverage, there is no one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine whether or not you would benefit from an agent’s advice.

  • Does my car insurance cover rental cars?
  • Is my nanny covered when driving my vehicle?
  • Is my cargo covered for damage or theft?
  • Does insurance cover damages from a DUI accident?
  • Why does it cost so much to insure a teen driver?
  • Is my 2002 Pontiac Montana covered for smoke damage?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and can provide invaluable advice.

Educate yourself about auto insurance coverages

Having a good grasp of your auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from auto insurance companies.

Liability car insurance

This will cover damage that occurs to other people or property. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as medical services, repair costs for stationary objects, bail bonds, loss of income and court costs. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive auto insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like theft, damage from flooding, vandalism and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage pays for damage to your Montana resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a mailbox, rolling your car, crashing into a building and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for chiropractic care, funeral costs, hospital visits, ambulance fees and nursing services. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Get your money’s worth

We just showed you many ideas to get a better price on 2002 Pontiac Montana insurance. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest rates come from some of the smallest insurance companies. Smaller companies may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as Progressive and GEICO.

Affordable 2002 Pontiac Montana insurance is attainable from both online companies as well as from independent agents, and you need to comparison shop both to have the best selection. There are still a few companies who may not have the ability to get quotes online and most of the time these regional insurance providers work with independent agents.

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