How Much Does 1993 Pontiac Trans Sport Insurance Cost?

Price shopping your auto insurance can seem to be difficult for people who are new to comparing rates online. Drivers have so many options available that it can quickly become a lot of work to find the best price.

Don’t miss these discounts

Car insurance companies do not advertise all available discounts very clearly, so we researched some of the best known as well as the least known ways to save on insurance.

  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% for Trans Sport coverage depending on your company.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Sign Online – A few companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Driver Safety – Successfully completing a driver safety course could possibly earn you a 5% discount if you qualify.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Safe Drivers – Safe drivers may save up to 50% more for Trans Sport coverage than less cautious drivers.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy life insurance from them.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.

A little note about advertised discounts, some credits don’t apply the the whole policy. Most only apply to specific coverage prices like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, you won’t be that lucky.

Car insurance companies that may have these money-saving discounts include:

Double check with each company how you can save money. Savings might not apply in your state.

When might I need help?

When it comes to buying proper insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine whether or not you would benefit from professional advice.

  • How much liability insurance is required?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my 1993 Pontiac Trans Sport covered for smoke damage?
  • At what point should I drop full coverage?
  • Do I need motorclub coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form.

Insurance coverage specifics

Learning about specific coverages of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Auto liability insurance

This coverage will cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like bail bonds, medical services and pain and suffering. How much coverage you buy is up to you, but consider buying as much as you can afford.

Auto collision coverage

Collision insurance pays for damage to your Trans Sport resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as driving through your garage door, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like ambulance fees, chiropractic care, doctor visits and prosthetic devices. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from flooding, fire damage, hail damage and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

More comparisons equals lower rates

As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. Too many times, drivers have reduced liability limits or collision coverage only to discover later that it was a big mistake. Your strategy should be to buy a smart amount of coverage at an affordable rate.

Cheaper 1993 Pontiac Trans Sport insurance can be bought on the web in addition to many insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Throughout this article, we presented some good ideas how you can reduce insurance prices online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even discover the lowest premiums are with a lesser-known regional company.

Much more information about insurance coverage can be read below: