Best 7 Tricks to Save on Pontiac Wave Insurance

Are you a victim of an underperforming, overpriced auto insurance policy? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Insurance companies such as State Farm and GEICO all claim big savings, bombarding you with fancy advertisements and it can be hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

It is always a good idea to shop coverage around at least once a year because insurance rates are usually higher with each renewal. Even if you think you had the best price for Wave coverage two years ago you will most likely find a better rate today. So forget anything you know (or think you know) about auto insurance because I’m going to teach you the fastest and easiest way to properly buy coverages and cut your premium.

Free Quotes for Auto Insurance

Most major insurance companies allow you to get pricing on the web. Getting online rates is quite simple as you just enter the coverages you want as detailed in the form. Once entered, the company’s rating system will order your credit score and driving record and returns a price. Being able to quote online simplifies rate comparisons, but the process of having to visit several different sites and fill out multiple forms can get tiresome after awhile. But it’s absolutely necessary to get many rate quotes if you are searching for a better rate.

The smarter way to compare rates utilizes a single form to obtain quotes from more than one company. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes a little more enjoyable. After sending the form, your coverage is rated with multiple companies and you can pick your choice of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The entire process only takes a few minutes and you’ll know if lower rates are available.

In order to compare rates using this form now, click here and input your coverage information. If you have a policy now, it’s recommended you complete the form with as shown on your current policy. Using the same limits helps guarantee you will have an apples-to-apples comparison for the exact same coverage.

Do you qualify for these seven discounts?

Auto insurance companies don’t necessarily list all available discounts very well, so we researched some of the more common and the more hidden ways to save on auto insurance. If you don’t get every credit available, you’re just leaving money on the table.

• Bundle and Save – If you insure your home and vehicles with one company you may earn up to 20% off your total premium.
• Defensive Driving Course – Completing a driver safety course could cut 5% off your bill depending on where you live.
• Safe Drivers – Insureds without accidents may save up to 50% more for Wave coverage than their less cautious counterparts.
• Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
• One Accident Forgiven – Certain companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
• Drivers Education – Cut your cost by having your teen driver enroll in driver’s education in high school.
• More Vehicles More Savings – Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

To see a list of companies with the best auto insurance discounts, follow this link.

Are insurance agents a thing of the past?

Certain consumers would prefer to talk to a local agent and that is OK! Good agents can point out coverage gaps and help file insurance claims. The best thing about comparing rates online is the fact that you can find the best rates and still choose a local agent.

After filling out this simple form, your coverage information is immediately sent to local insurance agents who will compete for your coverage. There is no reason to visit any agencies because quoted prices will be sent immediately to your email address. How cool is that?!

Choosing an provider requires more thought than just a cheap price. These are valid questions to ask:

• How much can you save by raising your physical damage deductibles?
• If your car is totalled, how to they determine the replacement cost?
• Do they have any clout with companies to ensure a fair claim settlement?
• Does the agency support the community they serve?
• Do they assist clients in filing claims?
• Do they feel the quoted coverages are adequate?

Best insurance agency

When searching for an insurance agent, there are two types of insurance agents that differ in how they can insure your vehicles. Agents are categorized either independent or captive. Both properly insure your vehicles, but it’s worth learning how they are different since it can impact the selection process.

Captive Insurance Agents

Captive agents are contracted to one company and examples are AAA, Allstate and State Farm. These agents are unable to give you multiple price quotes so keep that in mind. These agents are usually quite knowledgeable in insurance sales which helps them sell insurance even at higher premiums.

Independent Insurance Agents

Independent insurance agents do not work for one specific company so they can insure your vehicles with multiple insurance companies and potentially find a lower price. To transfer your coverage to a different company, an independent agent can move your coverage and you don’t have to find a new agent.

When comparison shopping, you should always include at a minimum one independent agency to have the most options to choose from.

For a complete listing of auto insurance agents, visit this page.

Once you have positive feedback to all your questions as well as a affordable price, chances are good that you have found an insurance agent that is a good match to properly insure your vehicles.

Auto insurance coverage breakdown

Learning about specific coverages of a auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages available from auto insurance companies.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a building, driving through your garage door, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses for things like pain medications, prosthetic devices, nursing services and surgery. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Auto liability insurance

Liability coverage can cover damage or injury you incur to a person or their property that is your fault. It protects YOU against claims from other people, and does not provide coverage for 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. As an example, you may have policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like emergency aid, funeral expenses and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from flooding, rock chips in glass and hitting a deer. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Pontiac Wave.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

A little work can save a LOT of money

We’ve covered some good ideas how you can compare Pontiac Wave insurance prices online. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. Consumers may even find the lowest priced auto insurance comes from some of the smallest insurance companies. Some small companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm and Allstate.

When shopping online for auto insurance, never sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice full coverage and learned later that it was a big error on their part. The ultimate goal is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Low-cost Pontiac Wave insurance is attainable on the web and with local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.