Pontiac Trans Sport Owners Discover How to Reduce Their Auto Insurance Rates

Are you sick and tired of being strong-armed to insure your Pontiac every month? You’re in the same situation as millions of other consumers.

Many insurance companies compete for your business, so it can be very hard to choose a company and get the best coverage at the cheapest price

Impacting insurance rates for a Pontiac Trans Sport

An important part of buying insurance is that you know the rating factors that play a part in calculating auto insurance rates. Understanding what influences your rates empowers consumers to make smart changes that can help you get better auto insurance rates.

Shown below are some of the items used by your company to calculate your rates.

• Clean credit earns discounts – A driver’s credit score is a important factor in determining your rates. If your credit is lower than you’d like, you could potentially save money when insuring your Pontiac Trans Sport by repairing your credit. Consumers who have high credit scores tend to be less risk to insure than drivers who have poor credit.
• Men fork out a little more – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Men and women are in accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically get more serious tickets such as DWI and reckless driving.
• High numbers of claims are not good – If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Companies give cheaper rates to insureds who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of the large, substantial claims.
• Having a spouse can save you money – Being married can get you a discount on your auto insurance policy. Marriage translates into being more mature and responsible and it’s statistically proven that being married results in fewer claims.
• Drive less and save money – The higher the mileage driven every year the higher your rates will be. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Autos not used for work or commuting get more affordable rates compared to those used for work or business. If your policy improperly rates your Trans Sport may be wasting your money. Ask your agent if your auto insurance declarations sheet properly reflects the correct usage for each vehicle.
• Your job and insurance rates – Did you know your job can affect your rates? Jobs such as real estate brokers, social workers and dentists are shown to have the highest average rates because of high stress levels and lengthy work days. Other professions such as scientists, historians and homemakers pay the least for Trans Sport insurance.
• More than one policy can earn a discount – Many auto insurance companies will give a discount to policyholders who consolidate policies with them such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even though this discount sounds good, you may still want to shop around to make sure you are getting the best deal.

Don’t miss out on these money-saving discounts

Car insurance can cost a lot, buy you may qualify for discounts that can drop the cost substantially. Most are applied when you quote, but less common discounts must be manually applied before they will apply.

• Passive Restraints – Factory air bags or motorized seat belts can get savings of 20% or more.
• Pay Upfront and Save – By paying your policy upfront instead of paying each month you may reduce your total bill.
• Driver Safety – Successfully completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
• Homeowners Pay Less – Owning a house can save you money because owning a home demonstrates responsibility.
• Auto/Home Discount – When you have multiple policies with one company you could get a discount of at least 10% off all policies.
• Paperwork-free – A few companies will discount your bill up to fifty bucks simply for signing on their website.
• Driver’s Ed – Have your child enroll in driver’s education if it’s offered in school.
• Clubs and Organizations – Affiliation with a qualifying organization could trigger savings when buying auto insurance for Trans Sport insurance.
• Drive Less and Save – Fewer annual miles on your Pontiac can qualify you for better rates on cars that stay parked.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will help reduce your premiums.

To choose insurers offering auto insurance discounts, click this link.

Compare but don’t skimp

Throughout this article, we presented many ways to compare Pontiac Trans Sport insurance prices online. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the most savings is with some of the smallest insurance companies. They often have lower prices on specific markets compared to the large companies like Allstate or State Farm.

As you go through the steps to switch your coverage, never buy less coverage just to save a little money. There are many occasions where an accident victim reduced comprehensive coverage or liability limits only to discover later that they should have had better coverage. Your focus should be to buy enough coverage at the best price.