Finding low-cost insurance for a new or used Pontiac Montana can turn out to be difficult, but you can follow the following methods to find lower rates.
There is a right way and a wrong way to buy car insurance and we’ll show you the absolute fastest way to compare rates on a Pontiac and locate the cheapest rates.
Buying affordable coverage can be fairly easy. If you have insurance now or are looking for a new policy, you can learn to get lower rates while maintaining coverages. Drivers just need to know how to buy car insurance over the internet.
Companies offer discounts so take them!
Insuring your vehicles can cost a lot, but you can get discounts that you may not know about. Some trigger automatically at the time of purchase, but a few need to be specifically requested in order for you to get them. If you’re not getting every credit possible, you are throwing money away.
- Resident Student – Children who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
- Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% for Montana insurance depending on your company.
- Organization Discounts – Belonging to certain professional organizations could trigger savings when shopping for car insurance for Montana insurance.
- Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
- Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Montana insurance than drivers with accidents.
- Good Students Pay Less – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
- Paperless Signup – Certain companies may give you up to $50 simply for signing digitally online.
- Driver Safety – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
- Save with a New Car – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
- Multiple Policy Discount – If you have multiple policies with one insurance company you may earn at least 10% off all policies.
A little note about advertised discounts, some credits don’t apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will help reduce the cost of coverage.
To see a list of insurance companies with the best car insurance discounts, click here to view.
Finding Car Insurance Deals
Comparing car insurance rates can be a daunting task if you don’t know the best way to get rate quotes. You could spend the better part of a day driving to local insurance agents in your area, or you can utilize online quotes to get rates in a matter of minutes.
The majority of car insurance companies belong to an insurance system where prospective buyers enter their policy data once, and each company provides a quote for coverage. This saves time by eliminating quotation requests for each company.
To submit your quote information now, click here (opens in new window).
The single downside to using this type of system is that you can’t choose which insurance companies to get quotes from. So if you prefer to pick individual companies to receive pricing from, we put together a list of companies who write car insurance in your area. Click to view list.
It’s your choice how you get your quotes, but double check that you are using identical coverages and limits for each price quote. If each company quotes unequal deductibles or liability limits it will be impossible to determine which rate is truly the best.
Complexity of Pontiac Montana insurance rates
Consumers need to have an understanding of the factors that come into play when calculating the price you pay for car insurance. Knowing what determines base rates allows you to make educated decisions that may reward you with lower car insurance prices.
- Your spouse saves you money – Getting married actually saves money when buying car insurance. Having a spouse means you’re more responsible and statistics show married drivers get in fewer accidents.
- Tickets mean higher rates – A bad driving record has a lot to do with how much you pay for insurance. Even one moving violation can increase rates by as much as thirty percent. Good drivers tend to pay less for car insurance compared to drivers with tickets. If you have flagrant violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form with the DMV in their state in order to keep their license.
- Drive less and save money – The more you drive in a year the higher your rates will be. Most companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks that are left in the garage qualify for better rates than vehicles that are driven to work every day. An improperly rated Montana can cost quite a bit. Verify your car insurance policy is showing the correct driver usage.
- Add-on coverages can add up – There are many extra bells and whistles that you can buy on your Montana policy. Insurance for vanishing deductibles, towing coverage and membership fees may be wasting your money. They may seem like a good idea at first, but your needs may have changed so eliminate the coverages to reduce your premium.
- Your stress level may be raising your rates – Did you know your car insurance rates can be affected by your occupation? Careers like doctors, business owners and dentists have the highest average rates due to high stress and lengthy work days. Other professions such as scientists, historians and performers get better rates for Montana insurance.
- Don’t let your coverage lapse – Driving your car without having proper coverage is a misdemeanor and car insurance companies will penalize you for letting your coverage lapse. Not only will rates go up, but being ticketed for driving with no insurance will get you a revoked license or a big fine.
- Lower deductibles cost more – Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your Pontiac from damage. Examples of covered claims are a windshield shattered by a rock, collision with an animal, or theft. The deductibles are the amount of money you are willing to pay out-of-pocket in the event of a claim. The more money you’re willing to pay, the less your company will charge you for insurance for Montana insurance.
When should I talk to an agent?
When it comes to choosing the best car insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different.
Here are some questions about coverages that can aid in determining if your insurance needs might need professional guidance.
- Exactly who is provided coverage by my policy?
- Can my teen driver be rated on a liability-only vehicle?
- Is my babysitter covered when using my vehicle?
- Is my Pontiac Montana covered for flood damage?
- Does my Pontiac Montana qualify for pleasure use?
- Do I benefit by insuring my home with the same company?
- Is business equipment covered while in my vehicle?
- Is my dog or cat covered if injured in an accident?
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.
Can’t I compare rates from local agents?
Certain consumers just want to talk to a local agent and that is OK! Educated insurance agents are trained to spot inefficiencies and help in the event of a claim. One of the great benefits of comparing rates online is you can get better rates but also keep your business local. Supporting local businesses is important particularly if you live in a smaller city or town.
After filling out this short form, your information is emailed to local insurance agents who will compete for your insurance coverage. There is no reason to even leave your home due to the fact that quote results will go to your email. How cool is that?!
How to choose the best insurance agent
When researching an insurance agent, you must know there are a couple different agency structures that you can select. Insurance agencies can either be independent or captive. While both can insure your vehicles, but it’s worth mentioning how they differ since it can impact the selection process.
Independent Agents (or Brokers)
Independent insurance agents are not required to write business for one company so they can insure your vehicles with many different companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies without you having to go to a different agency.
When comparing rates, we recommend you include price quotes from at a minimum one independent agency to ensure the widest selection of prices. They often place coverage with lesser-known insurance companies which can be an advantage.
Captive Agents
Captive agencies can only place business with one company and some examples include AAA, Allstate and State Farm. They usually cannot compare other company’s rates so they are skilled at selling on more than just price. These agents receive extensive training on the products they sell and that can be a competitive advantage. Consumers frequently buy from captive agents partially due to the brand legacy and strong financial ratings.
To view a complete directory of car insurance agents, click here.
Picking an auto insurance agent requires more thought than just a cheap price. These are valid questions to ask:
- Does the agency have a good rating with the Better Business Bureau?
- Are they able to influence company decisions when a claim is filed?
- Are claims handled at the agent’s location?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do they assist clients in filing claims?
Once you have received satisfactory answers to these questions and a good coverage price, you have narrowed it down to a car insurance agent that can properly insure your vehicles.
Quote often and quote early
As you restructure your insurance plan, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where consumers will sacrifice collision coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at an affordable rate while still protecting your assets.
People who switch companies do it for many reasons like policy cancellation, high rates after DUI convictions, denial of a claim and even being labeled a high risk driver. Whatever your reason, switching car insurance companies is not as hard as you think.
We just showed you some good ideas how to compare Pontiac Montana insurance prices online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. Consumers could even find that the lowest priced car insurance comes from the least-expected company.
