Drivers Discover Savings on Pontiac Pursuit Insurance

Searching for low-cost insurance for your Pontiac Pursuit in Nevada can turn out to be a painful process, but you can use a few tricks to save time.

There is a better way to buy car insurance so we’re going to tell you the absolute fastest way to compare rates for a new or used Pontiac and find the best price possible from Nevada insurance agents and online providers.

It’s a good idea to compare prices occasionally because prices change regularly. Just because you had the best rates on Pursuit insurance a few years ago you can probably find a lower rate today. So just forget all the misinformation about car insurance because you’re going to get a crash course in the quickest way to save on car insurance.

You probably qualify for some discounts

Car insurance can cost a lot, but you can get discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be specially asked for before they will apply. If you don’t get every credit you deserve, you are paying more than you should be.

  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • Defensive Driver – Taking part in a course teaching defensive driving skills could cut 5% off your bill if you qualify.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on Pursuit insurance with a few car insurance companies.
  • Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • E-sign – A few companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy qualifies for this discount.
  • Seat Belt Usage – Requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any qualifying discounts will bring down your overall premium however.

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Your Pontiac Pursuit insurance rate is a complex equation

Consumers need to have an understanding of some of the elements that play a part in calculating the rates you pay for car insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that will entitle you to better car insurance rates.

  • Do you qualify for a multi-policy discount? – Some car insurance companies give discounts to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount, you may still want to compare rates to verify if the discount is saving money. Drivers may still find a better deal by splitting coverages up.
  • Traffic citations inflate rates – Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Only having one citation can bump up the cost by as much as thirty percent. Drivers with severe tickets like DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
  • Better crash test results mean better rates – Cars with high safety ratings tend to have better insurance rates. Safe vehicles have better occupant injury protection and fewer injuries means lower claim amounts and lower rates for you. If your Pontiac Pursuit scored better than four stars on Safercar.gov you are probably receiving a discount.
  • Are you male or female? – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are better drivers. Men and women cause accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to get cited for more serious violations such as DWI and reckless driving.
  • Policy add-ons can waste money – There are quite a few add-on coverages you can purchase when buying car insurance. Insurance for roadside assistance, better glass coverage and term life insurance may be wasting your money. They may seem good at first, but if they’re wasting money eliminate the coverages to reduce your premium.

There’s no such thing as the perfect policy

When it comes to choosing adequate coverage for your vehicles, there really is no “perfect” insurance plan. Each situation is unique.

These are some specific questions may help highlight whether or not you might need an agent’s assistance.

  • Does my personal policy cover me when driving my company car?
  • Does my policy cover my teen driver if they drive my company car?
  • Who is covered when they drive my Pontiac Pursuit?
  • Do I need higher deductibles?
  • Can I afford to buy a different vehicle if my Pontiac Pursuit is totaled?
  • Am I covered when driving in Canada or Mexico?
  • Does my insurance cover my expensive audio equipment?
  • Is there coverage for injuries to my pets?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

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. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Additional information is located on the Nevada Division of Insurance website found here. Consumers can learn about insurance regulations, read consumer alerts, and file complaints about a company.

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quote Pursuit insurance

Compare but don’t skimp

We’ve covered many ideas to reduce Pontiac Pursuit insurance prices online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest priced car insurance comes from an unexpected company.

When buying insurance coverage, it’s a bad idea to reduce coverage to reduce premium. In many cases, an insured cut comprehensive coverage or liability limits only to find out that the savings was not a smart move. Your focus should be to buy enough coverage for the lowest price.

Consumers switch companies for any number of reasons including an unsatisfactory settlement offer, denial of a claim, delays in responding to claim requests or extreme rates for teen drivers. It doesn’t matter why you want to switch finding a great new company is easier than you think.