How to Lower Your Pontiac Montana SV6 Insurance Rates In Five Minutes or Less
If shopping your car insurance around was fun, we'd do it much more often. But most likely we pay more than we want to and don't really enjoy the buying process. You probably feel the same way about finding lower cost coverage for your Pontiac Montana SV6.
Step One: Insurance Rate Comparison Quotes
The old-fashioned method of shopping for car insurance included visiting several local insurance agents and being on the receiving end of a hard sell tactic. Life has gotten easier!
Getting online rate quotes for a Pontiac Montana SV6 from all the major insurance companies is very easy and only requires you to enter your information once.
Start a free rate quote comparison now by clicking the link below. Once you complete the short form, you'll be able to compare rates and then move on to our next section on how to lower rates even further.
Important! If you already have liability and physical damage coverage on your Montana SV6, it's important to keep the same limits and deductibles throughout the quote process. This allows you to fairly compare rates for many companies. If you use different limits and coverages for each quote, you won't be able to judge if the final rate is better or worse than other quotes.
Step Two: How to Lower your Montana SV6 Insurance Premium
There are many contributing factors that determine what you pay to insure your Pontiac. You can help yourself (and your wallet) by paying attention to the following rate factors.
- If your city or county offers a driver's safety course, find out if your insurance company will give you a discount to complete it. It could save you up to 10%.
- Insurance companies often give discounts to senior citizens and professional organizations, so if you're one of those, check to see if you qualify.
- Car insurance rates for a teen driver on a Pontiac Montana SV6 will be expensive no matter what kind of coverage you have. But if you don't need comprehensive and collision, consider dropping those to save money.
- To keep your rates low, don't file excessive claims on your policy. Insurance is meant to cover large losses, not small damage that you can pay for out-of-pocket.
- Do you keep your credit rating in good shape? If you do, you will get a better rate than if you let your credit score slide. Check your credit score regularly to make sure there are few blemishes on your record.
- Owning a home takes financial responsibility, and car insurance companies will often give you a break just for being a homeowner.
- One of the easiest ways to cut your rates is to increase your comprehensive and collision deductibles. By having a higher deductible like $500 or even $1,000, you can save 30% or more on physical damage coverage.
- If your Pontiac is equipped with safety features such as airbags, anti-lock brakes or a security system, insurance companies will often give a minor discount for those.
- Speeding not only costs you a fine, a single ticket will raise your car insurance rates for up to three years. Slow down and be a safe driver and you'll pay lower rates.
- If switching companies, always have the effective date of the new policy be identical to the expiration date on the old policy. This prevents a lapse in coverage and companies charge higher rates if you have any lapses.
- Vehicles that tend to get stolen or have high repair costs will cost you more to insure. If your Montana SV6 falls into either category, it could cost you.
Step Three: Select the Best Company for Your Needs
Choosing a new car insurance company is not easy. But hopefully you have a handful of quotes for your Montana SV6 that will give you a good idea of how much it will cost, as well as some idea of any coverage changes you may want to make.
It's easiest to cancel an old policy at the renewal date, but you can cancel it anytime. Just make sure you have the new policy effective the date you cancel your old policy in order to avoid any lapse in coverage.
When buying a new vehicle, coverage will extend from your existing policy. But if you don't have a car insurance policy, you will want to make sure you have coverage BEFORE you drive off the lot. The coverage extended to an add-on vehicle is only as good as the coverage on existing vehicles, so if none of your current insured vehicles have full coverage, your new Montana SV6 won't have it either. So in that case, it's important to call your agent or company directly from the dealership and have them bind coverage immediately.
The proof-of-insurance card that is required by state law to be carried in your vehicle can be printed out upon completion of your car insurance policy. If you are required to file an SR-22 with your state, your new insurance company will take care of that for you. If you cancel your coverage for any reason, you risk the loss of your driver's license.
Other Insurance Resources
For more information on car insurance, please visit the Insurance Information Institute's auto insurance informational page.
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