Save on 1997 Pontiac Trans Sport Insurance Rates

Searching for lower car insurance rates for your Pontiac Trans Sport? Are you overwhelmed by the dozens of car insurance choices? You have a lot of company. People have so many options available that it can easily become a real challenge to find the best price.

It’s smart to compare prices at least once a year because prices change regularly. If you had the lowest price for Trans Sport insurance two years ago you can probably find a better price now. Forget all the misinformation about car insurance because you’re about to learn the things you must know in order to find the best coverage while lowering your premiums.

More discounts equal less premium

Companies don’t necessarily list every available discount very clearly, so we break down both well-publicized and the more hidden auto insurance savings.

  • Student in College – Kids in college who are attending college and don’t have a car may qualify for this discount.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for reduced rates for Trans Sport insurance.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Good Students Pay Less – This discount can save 20 to 25%. The good student discount can last until age 25.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company may reduce the rate for each vehicle.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • No Claims – Drivers with accident-free driving histories can save substantially when compared with frequent claim filers.
  • Homeowners Savings – Simply owning a home can help you save on auto insurance because of the fact that having a home is proof that your finances are in order.
  • Early Switch Discount – Some insurance companies reward drivers for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Multi-policy Discount – If you have multiple policies with one company you may save 10% to 20% off each policy.

Consumers should know that most credits do not apply to the entire cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.

To see a list of insurance companies offering auto insurance discounts, click here.

It’s not one size fits all

When it comes to choosing the best insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions might help in determining if you could use an agent’s help.

  • Does liability extend to a camper or trailer?
  • Do I need PIP coverage since I have good health insurance?
  • How much liability insurance is required?
  • Am I covered if I hit a deer?
  • At what point should I drop full coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What can I do if my company won’t pay a claim?
  • Do I need replacement cost coverage?
  • Am I insured when driving a different vehicle?
  • When can my company non-renew my policy?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form.

Specific coverage details

Learning about specific coverages of your car insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Medical payments coverage and PIP

Med pay and PIP coverage pay for expenses for things like dental work, doctor visits, EMT expenses and chiropractic care. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Collision coverage protection

This coverage will pay to fix damage to your Trans Sport resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like rolling your car, crashing into a building, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like falling objects, fire damage and vandalism. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability

Liability coverage protects you from damages or injuries you inflict on people or other property that is your fault. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as legal defense fees, repair costs for stationary objects, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 1997 Pontiac Trans Sport.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

A fool and his money are soon parted

When shopping online for insurance, do not skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your focus should be to buy enough coverage for the lowest price.

Consumers change insurance companies for any number of reasons including being labeled a high risk driver, delays in responding to claim requests, an unsatisfactory settlement offer or even policy cancellation. No matter why you want to switch, switching companies can be less work than you think.

Discount 1997 Pontiac Trans Sport insurance is available online and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer online price quotes and these small, regional companies work with independent agents.

Additional information is located at the links below