Compare 2008 Pontiac Torrent Insurance Quotes

Are you intimidated by the sheer number of auto insurance choices? You’re not the only one! People have so many companies to choose from that it can easily become a lot of work to find lower rates.

Pontiac Torrent premiums are determined by many factors

It’s important that you understand the rating factors that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively influences your rates helps enable you to make changes that will entitle you to better auto insurance rates.

  • Don’t let your coverage lapse – Driving your car without having proper coverage is against the law and as a result your rates will increase for letting your coverage lapse. Not only will rates go up, but not being able to provide proof of insurance may earn you a revoked license or a big fine.
  • Your age impacts your rates – Older insureds are more responsible, tend to cause fewer accidents and get fewer tickets. Teenage drivers have a tendency to be more careless when behind the wheel and because of this, their auto insurance rates are much higher.
  • Liability coverage is peace of mind – Your policy’s liability coverage will protect you if a jury decides you are liable for personal injury or accident damage. Liability provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • High deductibles save money – Coverage for physical damage, also known as collision and other-than-collision, protects your Pontiac from damage. A few examples of covered claims are running into the backend of another car, collision with an animal, and windstorm damage. The deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. The more money you have to pay, the lower your rates will be on Torrent insurance.

How to Buy Insurance Coverage Online

Effectively comparing insurance coverage prices can take hours if you don’t utilize the fastest way to get free quotes. You can waste hours driving to insurance agencies in your area, or you can utilize online quoting for quick rates.

All the larger companies enroll in a system that enables customers to submit their information once, and at least one company can give them a price determined by their information. This prevents consumers from doing quotation requests for each company you want a rate for.

To get comparison pricing now click here to open in new window.

The one downside to comparing rates this way is you are unable to specify which providers you will receive quotes from. If you would rather choose specific providers to compare prices, we have assembled a list of the cheapest insurance coverage companies in your area. Click to view list.

It’s up to you how you get prices quotes, just compare apples-to-apples information on every quote you get. If you are comparing differing limits it will be very difficult to determine the best price for your Pontiac Torrent. Having just a slight variation in limits may result in a large different in cost. And when price shopping your coverage, having more price comparisons will increase your chances of finding the best rates.

Companies offer discounts so take them!

Insuring your fleet can be pricey, but you may find discounts that can drop the cost substantially. Certain discounts will be applied when you complete an application, but lesser-known reductions have to be manually applied in order for you to get them.

  • Life Insurance Discount – Some companies give a discount if you purchase life insurance.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you could get a discount of up to 20% off your total premium.
  • Government Employees – Simply working for the federal government may qualify you for a discount on Torrent insurance depending on your company.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks simply for signing digitally online.
  • One Accident Forgiven – Some insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Torrent insurance than drivers with accident claims.

It’s important to understand that most credits do not apply to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts will cut the cost of coverage.

To see a list of companies offering auto insurance discounts, follow this link.

Do I just need basic coverages?

When buying proper insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that might point out whether or not you may require specific advice.

  • When would I need rental car insurance?
  • Am I covered if I break a side mirror?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Are there companies who specialize in insuring high-risk drivers?
  • When should I drop full coverage on my 2008 Pontiac Torrent?
  • How high should my medical payments coverage be?
  • Can my teen driver be rated on a liability-only vehicle?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverages for a 2008 Pontiac Torrent

Having a good grasp of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Liability insurance

This coverage provides protection from damage or injury you incur to other’s property or people that is your fault. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like loss of income, medical services, bail bonds, court costs and attorney fees. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses such as pain medications, chiropractic care, prosthetic devices and rehabilitation expenses. They can be used in conjunction with a 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 if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Collision coverage

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

Collision coverage pays for things like crashing into a building, crashing into a ditch, driving through your garage door, colliding with another moving vehicle and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Pontiac Torrent.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, fire damage, theft and hitting a bird. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Save for a rainy day

We just presented a lot of techniques to get a better price on 2008 Pontiac Torrent insurance. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from a small mutual company.

Budget-conscious insurance can be sourced online and with local insurance agents, so compare prices from both to get a complete price analysis. Some auto insurance companies do not offer the ability to get a quote online and these small insurance companies work with independent agents.

As you prepare to switch companies, make sure you don’t reduce coverage to reduce premium. In too many instances, an insured cut liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage at an affordable rate.

Much more information about auto insurance can be found on the following sites: