Finding the Cheapest Auto Insurance for a Pontiac Tempest Made Easy

Tired of being strong-armed to buy car insurance? You are in the same boat as many other drivers. Having so many choices of insurance companies, it is hard for the average consumer to choose the best insurer.

Pay less by taking advantage of discounts

Companies that sell car insurance don’t always list all available discounts very well, so the following is a list of some of the more common and also the lesser-known savings tricks you should be using. If you don’t get every credit available, you are throwing money away.

Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
Safety Course Discount – Successfully completing a driver safety course could cut 5% off your bill if you qualify.
Discount for Life Insurance – Select insurance companies reward you with a break if you buy a life insurance policy as well.
Memberships – Participating in a qualifying organization could qualify you for a break on your policy on Tempest insurance.
Accident Forgiveness – A handful of insurance companies will forgive one accident before your rates go up if you are claim-free prior to the accident.
Homeowners Savings – Owning a home can save you money due to the fact that maintaining a home demonstrates responsibility.
Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Tempest insurance than less cautious drivers.

Keep in mind that many deductions do not apply to the entire cost. The majority will only reduce specific coverage prices like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky.

To choose companies with the best auto insurance discounts, click this link.

Which Auto Insurance is Cheapest?

There are multiple methods to shop for auto insurance, but one way is easier and takes less work. You can waste a lot of time talking to insurance agencies in your area, or you could use online quoting to get rate comparisons in just a few minutes.

Most car insurance companies participate in a marketplace where prospective buyers only type in their quote data once, and each company provides a quote determined by their information. This system prevents you from having to do repetitive form submissions to each company.

To find out what other companies charge click here (opens in new window).

The single downside to using this type of form is you can’t choose the companies to receive prices from. So if you prefer to pick from a list of companies to compare prices, we put together a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, make darn sure you compare the exact same coverage limits for every quote you compare. If you use different liability limits it will be impossible to truly determine the lowest rate.

Pontiac Tempest insurance rates have many determining factors

An important part of buying insurance is that you know the factors that go into determining your auto insurance rates. Understanding what influences your rates enables informed choices that may reward you with big savings.

Listed below are some of the factors auto insurance companies consider when setting rates.

Battle of the sexes – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are better drivers. Both sexes have accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations like DUI and reckless driving.
Multi-policy discounts can save money – Many insurers give discounts to people who carry more than one policy in the form of a multi-policy discount. Even with this discount, it’s in your best interest to shop around to make sure you are getting the best deal.
Tickets mean higher rates – Just one citation can bump up the cost by twenty percent. Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Drivers who have severe citations like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
Your job and insurance rates – Did you know your job can affect your rates? Careers like judges, business owners and financial analysts have higher average rates due to stressful work requirements and long work hours. Conversely, jobs such as pilots, engineers and homemakers get better rates on Tempest insurance.
Marriage pays dividends – Having a spouse can get you a discount on your policy. It means you’re more mature and it’s proven that married drivers get in fewer accidents.
Save money with special equipment – Purchasing a vehicle with a theft deterrent system can help lower your rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
Older drivers pay less – Youthful drivers have a tendency to get distracted easily in a vehicle so auto insurance rates are higher. Mature drivers are more responsible, tend to cause fewer accidents and receive fewer citations.
Lower miles equals lower premium – The higher the mileage driven in a year the more you will pay for auto insurance. Almost all companies price each vehicle’s coverage based on their usage. Cars not used for work or commuting receive lower rates compared to those used for work or business. If your policy improperly rates your Tempest may be wasting your money. Ask your agent if your auto insurance declarations sheet is rated on the correct usage for each vehicle, because improper ratings can cost you money.

When might I need help?

When buying coverage for your vehicles, there really is not a “perfect” insurance plan. Every situation is different and your policy should reflect that. These are some specific questions could help you determine if your situation might need professional guidance.

Do I have coverage when pulling a U-Haul trailer?
Do I need PIP (personal injury protection) coverage in my state?
Does my medical payments coverage pay my health insurance deductible?
Can I still get insurance after a DUI?
Does coverage extend to a rental car in a foreign country?
Which companies will insure high-risk drivers?
Are all vehicle passengers covered by medical payments coverage?
Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

But don’t I need an insurance agent?

Some people would prefer to talk to a local agent and that is just fine! Insurance agents can help determine the best coverages and help file insurance claims. One of the great benefits of price shopping on the web is you can get better rates and still choose a local agent.

By using this simple form, the coverage information is instantly submitted to local insurance agents who will battle for your insurance coverage. You never need to leave your computer as quotes are delivered immediately to your email address. How cool is that?!

Picking an provider needs to be determined by more than just the premium amount. Some important questions to ask are:

Who are their largest clients?
What insurance companies do they work with?
How much can you save by raising your physical damage deductibles?
Does the agency provide any after hours assistance?
What are the financial ratings for the companies they represent?
Do the coverages you’re quoting properly cover your vehicle?

Two types of insurance agencies

When searching for a good insurance agent, there are a couple of types of agencies to choose from. Agents are categorized either independent or captive. Both types can do a good job, but it’s important to know how they are different because it can impact buying decisions.

Agency Captives

Captive insurance agents are contracted to one company and examples are Liberty Mutual, State Farm, Allstate and AAA. They usually cannot give you multiple price quotes so it’s a take it or leave it situation. Captives are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.

Independent Insurance Agents

Independent insurance agents are not employed by any specific company so they have the ability to put coverage with lots of companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part.

When searching for an agent, it’s recommended you get quotes from at least one independent agent to ensure the widest selection of prices.

To view a complete directory of agencies, visit this page.

Once you have good answers to these questions and a good coverage price, you have narrowed it down to an insurance agent that is a good match to provide auto insurance coverage.

Ads can be misleading

Consumers get pounded daily by advertisements for the lowest price auto insurance by Progressive, GEICO, Allstate and State Farm. They all have a common claim that you can save if you switch to their company.

How does each company make almost identical claims?

Different companies have a certain “appetite” for the type of customer that is profitable for them. For example, a preferred risk could be between 25 and 40, has no tickets, and has great credit. A customer getting a price quote who matches those parameters receives the best rates and therefore will save quite a bit of money when switching.

Consumers who don’t qualify for the “perfect” profile will have to pay a higher premium and this can result in business going elsewhere. The ads say “people who switch” not “everyone that quotes” save that much. That is how insurance companies can state the savings. Because of the profiling, drivers should quote coverage with many companies. Because you never know which insurance companies will fit your personal profile best.

In Summary

Throughout this article, we presented quite a bit of information on how to reduce Pontiac Tempest insurance prices online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with the least-expected company. Regional companies can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

Budget-conscious Pontiac Tempest insurance is definitely available from both online companies and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not offer online price quotes and most of the time these small insurance companies sell through independent agents.

When you buy insurance online, it’s not a good idea to skimp on coverage in order to save money. In too many instances, someone sacrificed uninsured motorist or liability limits only to regret that they should have had better coverage. Your focus should be to purchase plenty of coverage at an affordable rate.