2009 Pontiac Torrent Car Insurance Quotes

Searching for cheaper car insurance rates for your Pontiac Torrent? I can’t think of anyone who likes paying for car insurance, in particular when their premiums are too high.

You have multiple auto insurance companies to purchase coverage from, and although it’s a good thing to have a choice, it can be more challenging to compare rates and find the lowest cost car insurance.

Insurance Coverage Comparisons

The are a couple different ways to get quotes and find the best price. The best way to find the lowest 2009 Pontiac Torrent rates is to perform an online rate comparison. This can be done in several different ways.

  • Probably the best way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This method prevents you from having to do repetitive form entry for every insurance coverage company. One form submission gets you coverage quotes from insurance coverage companies with the best prices.
  • A harder way to get quotes online consists of visiting the website of each company and fill out their own quote form. For instance, let’s assume you want to compare rates from Farmers, Geico and Liberty Mutual. To find out each rate you need to go to every website and enter your policy data, which is why the first method is more popular. To view a list of companies in your area, click here.
  • The least recommended way to compare rates is to spend your day driving to local insurance agencies. Shopping for insurance coverage online eliminates the need for an insurance agent unless you prefer the personal advice that only a license agent can provide. It is possible to comparison shop online but still have the advice of a local agent. We’ll cover that shortly.

It’s up to you which method you use, but be sure to compare identical information for every quote you compare. If the quotes have unequal deductibles or liability limits it’s impossible to find the best deal for your Pontiac Torrent. Having just a slight variation in coverage limits could mean much higher rates. And when comparison shopping, quoting more helps locate the best price.

Pontiac Torrent insurance rates have many determining factors

An important part of buying insurance is that you know the rating factors that go into determining the price you pay for car insurance. Knowing what determines base rates enables informed choices that will entitle you to lower car insurance prices.

Listed below are some of the items car insurance companies consider when setting prices.

  • Your occupation can affect rates – Did you know your job can affect your rates? Jobs such as real estate brokers, architects and dentists are shown to have the highest average rates due to stressful work requirements and long work days. Other jobs such as scientists, historians and homemakers pay the least for Torrent insurance.
  • Allowing your policy to lapse raises rates – Allowing your car insurance policy to lapse will be a guaranteed way to pay more for car insurance. And not only will your rates increase, getting caught without coverage might get you a revoked license or a big fine.You may have to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Add-on coverages can add up – There are a lot of extra bells and whistles that you can buy when buying car insurance. Coverages for personal injury protection, towing coverage and additional equipment coverage may be costing you every month. These coverages may sound good initially, but now you might not need them so eliminate them to save money.
  • Lower deductibles cost more – Physical damage deductibles define the amount you are required to spend out-of-pocket in the event of a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims would be running into the backend of another car, vandalism, or theft. The more money you’re willing to pay, the less your car insurance will be for Torrent insurance.

Discounts can save BIG

Insurance can cost an arm and a leg, buy you may qualify for discounts that can drop the cost substantially. Most are applied when you purchase, but less common discounts must be specially asked for prior to getting the savings.

  • College Student – Kids in college who live away from home and do not have a car can receive lower rates.
  • Air Bag Discount – Factory air bags or motorized seat belts can receive discounts of more than 20%.
  • Driver Safety – Successfully completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates for Torrent insurance than drivers with accident claims.
  • Early Switch Discount – A few companies offer discounts for switching policies prior to your current policy expiring. It’s a savings of about 10%.
  • Accident Free – Drivers with accident-free driving histories pay much less when compared to drivers who are more careless.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts will bring down the amount you have to pay.

Companies that possibly offer these benefits include:

Check with all companies you are considering how you can save money. Savings might not be offered in your state.

Will just any policy work for me?

When it comes to choosing the best auto insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might point out whether you would benefit from professional advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered if I wreck a rental car?
  • How much can I save by bundling my policies?
  • Is upholstery damage covered by car insurance?
  • Is pleasure use cheaper than using my 2009 Pontiac Torrent to commute?
  • Is other people’s property covered if stolen from my vehicle?
  • What is medical payments coverage?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Insurance coverage basics

Having a good grasp of your insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from insurance companies.

Liability coverage

Liability insurance can cover injuries or damage you cause to a person or their property. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as loss of income, repair bills for other people’s vehicles, medical expenses, attorney fees and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like funeral costs, prosthetic devices, rehabilitation expenses and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision coverage covers damage to your Torrent resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a parking meter, scraping a guard rail, driving through your garage door, rolling your car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, a broken windshield, falling objects, hitting a deer and hail damage. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Pontiac Torrent.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

In Summary

Affordable 2009 Pontiac Torrent insurance can be purchased both online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

As you prepare to switch companies, do not reduce coverage to reduce premium. There are many occasions where consumers will sacrifice full coverage only to find out that it was a big error on their part. Your aim should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

You just learned some good ideas how to save on insurance. The key concept to understand is the more you quote, the higher the chance of saving money. You may be surprised to find that the lowest rates come from a small mutual company. They may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

Even more information can be read by following these links: