How Much Does 2008 Pontiac Torrent Car Insurance Cost?

Looking for the cheapest insurance rates for your Pontiac Torrent? Sick and tired of being strong-armed to buy car insurance? You are no different than millions of other consumers.

Insurance companies such as State Farm, Allstate, Geico and Progressive constantly blast consumers with ads and it is difficult to ignore the flashy ads and effectively compare rates to find the best deal.

Complexity of Pontiac Torrent insurance rates

Smart consumers have a good feel for the factors that come into play when calculating auto insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that will entitle you to big savings.

  • Lower deductibles cost more – Your deductibles represent how much money you are required to spend out-of-pocket before your auto insurance pays a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. A few examples of covered claims would be colliding with a building, vandalism, or theft. The more money you have to pay, the bigger discount you will receive for Torrent insurance.
  • Lower rates come with age – Teen drivers tend to get distracted easily behind the wheel so auto insurance rates are higher. If you’ve ever had to add a teen driver to your auto insurance policy can really hurt. Older drivers are more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • Poor driving leads to higher costs – Your driving citation history has a big impact on rates. Just one ticket can bump up the cost forty percent or more. Drivers who don’t get tickets tend to pay less for car insurance compared to drivers with tickets. Drivers who have flagrant citations such as DUI or reckless driving may need to submit a SR-22 form with their state DMV in order to keep their license.
  • Little extras can really add up – There are quite a few extra bells and whistles that can waste your money if you aren’t careful. Coverages for vanishing deductibles, accident forgiveness and additional equipment coverage are some examples. These coverages may sound good when talking to your agent, but now you might not need them so eliminate them to save money.
  • Marriage brings a discount – Having a wife or husband can get you a discount on auto insurance. Having a significant other translates into being more mature than a single person and statistics show drivers who are married are more cautious.
  • Where you live is a factor – Being located in small towns and rural areas can save you money when it comes to auto insurance. Drivers who live in large cities tend to have traffic congestion and much longer commute distances. Less people living in that area translates into fewer accidents.
  • Do men or women drive better? – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Both sexes have accidents at a similar rate, but men have costlier accidents. Men also get more serious tickets such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents and therefore have the most expensive auto insurance rates.
  • Never let your coverage lapse – Allowing your auto insurance policy to lapse is a fast way to increase your auto insurance rates. Not only will you pay more, but not being able to provide proof of insurance will get you a revoked license or a big fine.

The method we recommend to compare rates takes advantage of the fact all the major auto insurance companies have advanced systems to provide you with free rate quotes. To begin a comparison, all you need to do is spend a couple of minutes providing details like if you lease or own, driver details, if you are currently licensed, and any included safety features. Your insurance information gets sent immediately to many different companies and you get price estimates instantly.

To start a rate quote now, click here and find out if lower rates are available.

Drivers who switch save $408 a year? Really?

Companies like State Farm, Allstate and Geico constantly bombard you with television and radio advertisements. All the ads have a common claim of big savings if you switch your coverage to them. How can each company make the same claim?

All companies can use profiling for the type of customer they prefer to insure. An example of a profitable customer could be between 25 and 40, has no tickets, and drives newer vehicles. A customer that hits that “sweet spot” is entitled to the best price and therefore will cut their rates substantially.

Potential insureds who fall outside the requirements will be quoted higher rates and this can result in business not being written. The ad wording is “people who switch” but not “drivers who get quotes” save money. That’s why insurance companies can make the claims of big savings.

This emphasizes why drivers must get as many quotes as possible. It’s not possible to predict which company will fit your personal profile best.

Discounts are great for lower rates

Insuring your fleet can be pricey, but you may find discounts that you may not even be aware of. Most are applied when you get a quote, but a few need to be specifically requested before you will receive the discount.

  • One Accident Forgiven – A few companies permit an accident without raising rates as long as you don’t have any claims for a set time period.
  • Save over 55 – If you’re over the age of 55, you may receive reduced rates for Torrent insurance.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more for Torrent insurance than their less cautious counterparts.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Safety Course Discount – Taking part in a driver safety course could save 5% or more depending on where you live.

Keep in mind that many deductions do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts will reduce your premiums.

For a list of insurance companies who offer auto insurance discounts, click this link.

You may need specialized coverage

When choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

  • If my pet gets injured in an accident are they covered?
  • Can I afford low physical damage deductibles?
  • Am I covered if I break a side mirror?
  • Is rental equipment covered for theft or damage?
  • Is extra glass coverage worth it?
  • What can I do if my company denied a claim?
  • Does coverage extend to a rental car in a foreign country?
  • Am I getting all the discounts available?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Insurance coverage breakdown

Having a good grasp of insurance can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most insurance policies.

Collision coverages – Collision insurance covers damage to your Torrent from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like scraping a guard rail, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Pontiac Torrent.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are similar to your liability insurance amounts.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses such as pain medications, chiropractic care, rehabilitation expenses, nursing services and funeral costs. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Liability coverage – Liability insurance provides protection from damage that occurs to people or other property that is your fault. It protects you from legal claims by others, 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 limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like bail bonds, structural damage, pain and suffering and funeral expenses. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, damage from a tornado or hurricane and damage from flooding. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Best coverage at the best price

Low-cost 2008 Pontiac Torrent insurance can be bought on the web and with local insurance agents, so compare prices from both to get a complete price analysis. There are still a few companies who do not offer online price quotes and these small insurance companies work with independent agents.

As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. In many cases, someone dropped collision coverage only to discover later that it was a big mistake. Your focus should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

We just covered a lot of techniques to get a better price on insurance. The most important thing to understand is the more providers you compare, the better your comparison will be. Drivers may discover the best prices are with a smaller regional carrier. Some small companies can often insure niche markets at a lower cost compared to the large companies like Progressive and Geico.

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