Pontiac Pursuit Insurance – 6 Discounts You May be Unaware of

Pontiac Pursuit Insurance – 6 Discounts You May be Unaware of

Finding cheaper insurance for a Pontiac Pursuit can be difficult, but you can learn the following methods to save time. There are both good and bad ways to compare auto insurance rates and we’ll show you the proper way to quote coverages on a Pontiac and obtain the best price possible either online or from local insurance agents.

Don’t overlook these six discounts

Companies that sell car insurance do not advertise all available discounts very well, so we researched some of the best known and the more hidden savings tricks you should be using. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Pursuit insurance depending on your company.
  • No Accidents – Good drivers with no accidents pay much less compared to bad drivers.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Pursuit insurance than drivers with accidents.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as comp or med pay. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way.

To see a list of providers who offer auto insurance discounts, click this link.

Coverages available on your auto insurance policy

Knowing the specifics of your auto insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, hitting a bird, hail damage, falling objects and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance. insurance banner

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like surgery, hospital visits, ambulance fees, funeral costs and nursing services. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Pontiac Pursuit.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Liability coverages – This will cover damage that occurs to other’s property or people in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like pain and suffering, repair costs for stationary objects and emergency aid. How much coverage you buy is up to you, but consider buying higher limits if possible.

Collision coverages – Collision coverage covers damage to your Pursuit caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sustaining damage from a pot hole, scraping a guard rail, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Affordable insurance is out there

Insureds change insurance companies for many reasons like high prices, not issuing a premium refund, denial of a claim or unfair underwriting practices. No matter why you want to switch, finding a new auto insurance company is less work than it seems.

When trying to cut insurance costs, it’s not a good idea to reduce needed coverages to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

We just presented a lot of information how to lower your Pontiac Pursuit insurance rates. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may be surprised to find that the lowest priced auto insurance comes from the smaller companies.