How to Insure your Pontiac Trans Sport on a Budget
If shopping your car insurance around was fun, we'd do it much more often. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. Cutting the check for each renewal on your Pontiac Trans Sport might give you the same feeling.
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. Times have changed!
Comparing apples-to-apples price quotes for your Pontiac Trans Sport is made easy by only requiring one form to be completed. This will shop your coverage with multiple companies and allow you to easily compare rates.
Simply click the link below to enter your information. Once complete, you can compare the returned rates and make a decision on which policy to purchase.
Read this (it's important)! When doing any car insurance quote to compare rates to either your existing policy or to other quotes, it's important to use identical coverages on all quotes. Otherwise you will not be able to accurately determine which company has the lowest rate for your Trans Sport.
Step Two: How to Insure your Trans Sport for Less
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.
- You can save money on your physical damage coverage (comprehensive and collision) by increasing your deductibles. Higher deductibles mean you are willing to pay more before the insurance company covers a claim.
- If you're not sure what your credit rating is, check it now. Car insurance companies use your credit score to determine the rates you pay, so the better your credit, the less you will pay.
- Car insurance rates for a teen driver on a Pontiac Trans Sport 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.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- Speeding and other minor violations can impact your car insurance rates for up to three years. The increased cost can easily exceed the fine and court costs for the original ticket.
- Letting your car insurance expire without having new coverage in place is called a "lapse" and will cause your next policy premiums to be higher.
- Most Pontiac vehicles come with standard safety features such as air bags and passive restraints, and those will help keep your insurance costs down.
- Homeowners often see a break on their car insurance rates because there is a correlation between owning a home and being a responsible driver.
- A claim-free discount can help keep your rates down, so don't file claims that are only marginally more than your deductible. You're better off keeping the discount.
- Membership has it's privleges. If you're a member of a professional organization, check to see if your company offers discounts to its members. It can add up to 5% or more.
- For some reason, car theives target particular makes and models more than others. If your Trans Sport is on the list of the top stolen cars, you might want to install an extra theft deterrent system just to be safe.
Step Three: Finalize your Policy Details
Once you have compared identical rate quotes for your Trans Sport and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
It's critical that your new policy starts the same day that your old policy ends. If you are cancelling mid-term, make sure there is no lapse in coverage before your new policy kicks in.
If this is a new policy with only the Pontiac on it, be sure to have coverage before leaving the dealership or car lot. If you're adding it to an existing policy, you have anywhere from 15 to 30 days depending on the company. 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 Trans Sport 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.
Once you finish buying your new policy, you will need to print out the proof-of-insurance card that is provided by your new company. This card is proof that you meet the state's minimum liability limits and is required to be kept in your vehicle. 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
To read more about filing a claim, choosing replacement parts, rental car insurance and more, visit the Insurance Information Institute.
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