Consumers Uncover How to Pay Less for Pontiac LeMans Insurance

Paying for expensive Pontiac LeMans insurance can bleed your funds and force you to prioritize other expenses. Drivers have multiple auto insurance companies to choose from, and though it is a good thing to have multiple companies, too many choices makes it more difficult to find a good deal.

Do you qualify for discounts?

Auto insurance companies do not list all disounts in an easy-to-find place, so the next list breaks down a few of the more common and the harder-to-find car insurance savings.

Air Bag Discount – Options like air bags or motorized seat belts can qualify for discounts of 20% or more.
Renewal Discounts – Some insurance companies give discounts for renewing your policy prior to your current policy expiring. This discount can save up to 10%.
Low Mileage Discounts – Maintaining low annual mileage can qualify you for better prices on cars that stay parked.
Government Employee Discount – Having worked for a branch of the government may reduce rates when you for LeMans insurance with some car insurance companies.
Professional Memberships – Affiliation with specific professional or occupational memberships or organizations could earn you a nice discount on your bill.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, you’re out of luck.

Larger car insurance companies and some of their more popular discounts are outlined below.

GEICO discounts include membership and employees, air bags, defensive driver, multi-policy, anti-theft, anti-lock brakes, and five-year accident-free.
USAA offers discounts including loyalty savings, family discount, multi-policy, driver training, vehicle storage, military installation, and good student.
Progressive includes discounts for multi-vehicle, online signing, multi-policy, online quote discount, continuous coverage, and homeowner.
American Family has discounts for TimeAway discount, accident-free, good student, defensive driver, air bags, Steer into Savings, and multi-vehicle.
Esurance offers premium reductions for online quote, anti-theft, claim free, good student, paid-in-full, DriveSense, and emergency road assistance.
Farmers Insurance policyholders can earn discounts including early shopping, bundle discounts, multi-car, switch companies, youthful driver, and teen driver.
State Farm may offer discounts for defensive driving training, anti-theft, Steer Clear safe driver discount, good driver, and student away at school.

If you need , ask every insurance company how you can save money. Some of the discounts discussed earlier might not be offered on policies everywhere. For a list of insurance companies that offer some of these discounts, follow this link.

How to Lower Your Insurance Rates

Lots of factors are part of the equation when pricing auto insurance. Some are pretty understandable such as your driving history, but others are less obvious such as whether you are married or your financial responsibility. When buying car insurance it’s important to understand the different types of things that come into play when calculating your policy premiums. If you have a feel for what influences your rates, this empowers consumers to make smart changes that may result in big savings.

Being married can lower prices – Having a spouse may save some money when shopping for car insurance. Marriage means you’re more financially stable and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
Younger drivers pay high rates – Teenage drivers are known to be inattentive and easily distracted when driving with friends so they pay higher car insurance rates. Older people are more cautious drivers, are lower risk to insure .
Filing insurance claims can cost you – If you’re an insured who likes to file claims you shouldn’t be surprised to get either policy cancellation or increased premiums. Companies generally give discounts to insureds who do not rely on their insurance for small claims. Auto insurance is designed for more catestrophic claims.
Save money with excellent credit – Your credit score is a large factor in calculating your premium rate. If your credit score can use some improvement, you could save money insuring your Pontiac LeMans if you clean up your credit. People that have excellent credit scores tend to be better risks to insure than drivers with poor credit scores.
Driving citations cost more than a fine – Careful drivers pay lower auto insurance prices as compared to those with violations. Just one ticket can bump up the cost forty percent or more. Drivers who have dangerous violations such as DUI or willful reckless driving are required to submit a SR-22 form with their state’s department of motor vehicles in order to drive a vehicle legally.
What type of vehicle do you drive? – The performance of the car, truck or SUV you are buying insurance for makes a big difference in your car insurance bill. The lowest base rates are for small economy passenger cars, but many other things help determine your insurance rates. Since the Pontiac LeMans falls in the compact car class, rates will be the same to a little lower as compared to the average rate.
The more you drive the more you pay – Driving a lot of miles each year the more it will cost to insure it. A lot of companies calculate rates based on their usage. Cars and trucks that sit idle most of the time get more affordable rates than vehicles that have high annual mileage. Having the wrong rating on your LeMans is just wasting money. Double check that your car insurance policy correctly shows the correct usage.
Safer occupants lowers prices – Safer cars tend to be cheaper to insure. Vehicles built for safety have better occupant injury protection and better occupant protection means lower claim amounts and more competitive rates for policyholders.

Are auto insurance agents used anymore?

Certain consumers still like to buy from a licensed agent and that is a personal choice. A nice benefit of price shopping on the web is the fact that you can find lower premium rates and still have a local agent. Putting coverage with local insurance agencies is still important if you live in a smaller city or town.

To find an agent, once you fill out this form (opens in new window), your insurance coverage information gets sent to participating agents that provide for your car insurance coverage. It simplifies rate comparisons since you won’t have to do any legwork because quoted prices will be sent directly to you. You can find the lowest rates and a licensed agent to work with. If you want to quote rates from a specific company, you can always go to their quote page and submit a quote form there.<img class="alignright" style="padding-top:15px" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/ci175-119.jpg" alt=" insurance quotes” />

If you would like to find a local insurance agency, it can be helpful to understand the different types of agencies and how they can service your needs differently. Car insurance policy providers can be categorized as either captive or independent.

Independent Agents

These agents do not sell for just one brand and that is an advantage because they can write policies with an assortment of companies and find you cheaper rates. If premiums increase, your policy is moved internally which requires no work on your part. When comparing car insurance rates, we recommend you get rate quotes from several independent agencies to get the most accurate price comparison.

Captive Car Insurance Agents

Agents of this type can only quote rates from one company and examples are Farmers Insurance, American Family, State Farm and Allstate. Captive agents cannot provide prices from multiple companies so keep that in mind. They are usually quite knowledgeable on their company’s products which helps overcome the inability to quote other rates.

To locate insurance agents near you, here is a link to find a neighborhood car insurance provider.

Picking the best insurance agent should depend on more than just a low price. These are some questions you should get answers to.

Are they able to provide referrals?
Are they full-time agents?
How many years of experience in personal auto insurance do they have?
How often do they review policy coverages?
Is the agency covered by Errors and Omissions coverage?
Does the quote include credit and driving reports?
Will the company cover a rental car if your car is getting fixed?

Truth in car insurance advertising

Respected companies like 21st Century, Allstate and State Farm continually stream ads on TV and radio. All the ads make the same claim about saving some big amount if you change to their company. How is it possible that every company can offer you a better deal? It’s all in how they say it.

Insurance providers quote their cheapest rates for the type of driver that will most likely be profitable. For instance, a desirable insured might be between the ages of 40 and 55, has no claims, and drives less than 10,000 miles a year. Any person who fits that profile will qualify for the lowest prices and therefore will cut their rates if they switch.

Potential customers who are not a match for those criteria will probably have to pay a higher rate with the end result being the prospect going elsewhere. The wording the ads use say “drivers who switch” not “everybody who quotes” can get the lowest rates when switching. This is how insurance companies can make it sound like they have such great rates.

That is why you absolutely need to do a quote comparison often. You cannot predict the company that will have the best prices for your profile.

Be persistent and save

When getting , make sure you don’t reduce coverage to reduce premium. In many cases, an accident victim reduced uninsured motorist or liability limits only to regret that they should have had better coverage. Your focus should be to purchase a proper amount of coverage at the best cost while not skimping on critical coverages.

Some insurance providers do not offer price quotes online smaller companies prefer to sell through local independent agencies. Cheaper car insurance can be found both online and from local insurance agents, and you need to price shop both in order to have the best chance of saving money.

Throughout this article, we presented quite a bit of information on how to compare Pontiac LeMans insurance auto insurance rates online. It’s most important to understand that the more times you quote, the better your chances of lowering your premium rates. Consumers could even find that the biggest savings come from the least-expected company. Some small companies may only write in your state and offer lower premium rates than the large multi-state companies such as State Farm or Progressive.