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Pontiac Torrent Insurance Rates

There are many options when trying to insure your Pontiac vehicle. You can buy direct from a local agent or go online to compare pricing from a lot of auto insurance companies. Finding cheaper auto insurance through online companies can be fast and easy and there is a good chance you might just save a little.

If you are a novice to online auto insurance shopping, you can be overwhelmed by the hoards of companies vying for your business. Finding a lower price on Torrent insurance is not a difficult process. You just have to take a little time to get quotes provided by online insurance companies. It is quite easy and can be accomplished by visiting this page.

Auto insurance rates on a Pontiac Torrent will vary greatly depending on several factors. Some of these factors include:

  • Higher performance Torrent vehicles cost more
  • Your accident history
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Your age
  • Being married can lower rates
  • Extra coverages like towing and rental
  • Claims drive up premiums
  • Having current coverage saves
  • Whether you own your home

A final factor which can affect Torrent insurance rates is the model year. A newer vehicle have a higher actual cash value in comparison to later models so the cost to replace them will push premiums up. On the flip side, newer models may have a trim level with safety features like a telematics system, adaptive cruise control, and traction control so those may provide discounts that lower premiums.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your Torrent below.

Coverage for liability

This coverage protects you from damage that occurs to people or other property that is your fault. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision coverage

This pays for damage to your Pontiac resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your Torrent can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper Torrent insurance rates.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your Pontiac Torrent comprehensive insurance. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Insurance for medical payments

Med pay and PIP coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.

How Much are Pontiac Torrent Insurance Rates?