Compare 1993 Pontiac Trans Sport Insurance Quotes

Looking for better car insurance rates for your Pontiac Trans Sport? Paying for high-priced Pontiac Trans Sport insurance can dwindle your savings account and force you to make sacrifices. Doing a price comparison is free, only takes a few minutes, and is a good way to lower your monthly bill.

There is such a variety of insurance companies to purchase coverage from, and even though it’s nice to have a selection, it makes it harder to find the lowest cost provider.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have a car insurance policy, you will be able to save some money using these tips. But consumers do need to learn the way insurance companies compete online and apply this information to your search.

Free Quotes for Car Insurance

When shopping for car insurance there are multiple ways to get quotes from different insurance companies. The easiest way to find the cheapest 1993 Pontiac Trans Sport insurance rates involves getting comparison quotes online. This can be accomplished in a couple of different ways.

One of the best ways to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This method keeps you from doing separate quotes for every car insurance company. Filling out one form gets rate comparisons from several companies.
A less efficient way to compare rate quotes requires a visit to each company’s website to complete their respective quote request forms. For instance, we’ll pretend you want comparison quotes from GEICO, State Farm and Farmers. To find out each rate you need to take the time to go to each site and enter your information, which is why the first method is more popular.
To view a list of companies in your area, click here.

However you get your quotes, make absolute certain that you use identical coverage limits on every quote you get. If each company quotes unequal deductibles or liability limits you can’t possibly decipher which rate is best. Just a small difference in limits can result in a big premium difference. Keep in mind that comparing more company’s prices gives you a better chance of getting a better price.

Don’t overlook these discounts

Companies that sell car insurance don’t always advertise all their discounts very clearly, so we took the time to find some of the more common as well as the least known ways to save on insurance.

Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
Accident Free – Good drivers with no accidents pay much less when compared to frequent claim filers.
Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save 10% or more off your PIP or medical payments premium.
Military Discounts – Being on active duty in the military can result in better rates.
Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.

It’s important to note that most discounts do not apply to the entire policy premium. A few only apply to individual premiums such as medical payments or collision. So when the math indicates you could get a free insurance policy, companies wouldn’t make money that way.

For a list of insurers offering insurance discounts, click here to view.

Is my situation unique?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. For example, these questions may help highlight if you could use an agent’s help.

Does my policy cover my teen driver if they drive my company car?
What discounts do I qualify for?
Are there companies who specialize in insuring high-risk drivers?
What can I do if my company won’t pay a claim?
Should I carry comprehensive and collision coverage?
How much can I save by bundling my policies?
Is my trailer covered?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Insurance coverages explained

Learning about specific coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most insurance policies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as prosthetic devices, funeral costs and chiropractic care. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Collision coverage

Collision insurance pays for damage to your Trans Sport resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, colliding with a tree, colliding with another moving vehicle, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability car insurance

Liability insurance will cover damage that occurs to a person or their property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for things like funeral expenses, loss of income and attorney fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, damage from a tornado or hurricane and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Pontiac Trans Sport.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.