2008 Pontiac Torrent Car Insurance Cost

Looking for lower insurance rates for your Pontiac Torrent? Have you fallen victim to high-priced insurance? Trust us when we tell you you’re not alone.

Big companies like State Farm, Progressive and Geico increase brand awareness with ads and consumers find it hard to see through the deception and find the best price available.

More discounts equal less premium

Companies don’t always list all available discounts very well, so the following is a list of some of the best known and the more hidden discounts you could be receiving.

  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Student in College – Any of your kids who are attending college and don’t have a car can be insured at a reduced rate.
  • Good Student – Performing well in school can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Homeowners Savings – Simply owning a home may earn you a small savings because owning a home is proof that your finances are in order.
  • Payment Method – By paying your policy upfront instead of making monthly payments you could save up to 5%.

It’s important to note that some of the credits will not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think you could get a free auto insurance policy, companies don’t profit that way.

To see a list of companies with discount auto insurance rates, click this link.

Automobile Insurance Quotes

To find the best car insurance prices, there are several ways of comparing rate quotes from car insurance companies in your area. The simplest method to find competitive 2008 Pontiac Torrent insurance rates involves getting comparison quotes online. This can be accomplished in a couple of different ways.

  • The most efficient way to get quotes would be an industry-wide quote request form click here to open form in new window. This method saves time by eliminating boring form submissions for each company. Completing one form will get you rate comparisons from multiple low-cost companies.
  • A harder way to find lower rates consists of going to the website for every company you want to comare and request a quote. For instance, let’s say you want to compare Farmers, Liberty Mutual and State Farm. To get each rate you have to spend time on each company’s site and enter your policy data, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  • The least efficient way of getting rate comparisons is to drive around to and from local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you want the trained guidance of a local agent. However, consumers can obtain prices from the web but buy from a local insurance agent.

It doesn’t matter which method you choose, just make absolute certain that you use identical deductibles and coverage limits on every quote. If you compare different limits and deductibles on each one it will be impossible to find the best deal for your Pontiac Torrent. Having just a slight variation in coverages may cause a big price difference. Keep in mind that more quotes will enable you to find the best rates.

What determines your Pontiac Torrent insurance premium

An important part of buying insurance is that you know the rating factors that go into determining your auto insurance rates. Knowing what impacts premium levels helps enable you to make changes that will entitle you to better auto insurance rates.

Listed below are a few of the “ingredients” that factor into prices.

  • Males pay more for insurance – The statistics show that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Both sexes have accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations such as DWI and reckless driving. Youthful male drivers are several times more likely to be in an accident and thus pay the highest rates.
  • Occupation reflects on rates – Did you know your auto insurance rates can be affected by your occupation? Occupations such as real estate brokers, executives and dentists tend to pay the highest average rates due to stressful work requirements and long work hours. Other professions such as scientists, historians and homemakers have the lowest average rates for Torrent insurance.
  • Careful drivers pay lower rates – Your driving record has a big impact on rates. Careful drivers get better rates than people who have multiple driving citations. Only having one moving violation can boost insurance rates by twenty percent. Drivers who get severe violations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • Where you live can impact rates – Residing in a small town has it’s advantages when insuring your vehicles. Drivers in populated areas have to deal with congested traffic and longer commutes to work. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Never go without insurance – Driving without insurance can get your license suspended and as a result your rates will increase for letting your coverage lapse. And not only will your rates increase, but not being able to provide proof of insurance will get you a license revocation or jail time.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Liability insurance protects assets – Liability insurance provides coverage in the event that a jury decides you are liable for damages from an accident. It will provide legal defense up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • Safer cars are cheaper to insure – Vehicles with good safety scores can get you lower premiums. Safer cars reduce injuries and lower injury rates translates into savings for insurance companies and lower rates for you. If your Pontiac Torrent has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
  • Pleasure use saves money – The higher the mileage driven in a year the more you will pay for auto insurance. Most insurance companies charge to insure your cars based on how the vehicle is used. Vehicles used primarily for pleasure use can get a lower rate compared to those used for work or business. If your policy improperly rates your Torrent can result in significantly higher rates. Double check that your auto insurance declarations sheet is rated on the correct usage for each vehicle, because it can save money.

It’s not one size fits all

When it comes to choosing proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Is my 2008 Pontiac Torrent covered for flood damage?
  • Am I missing any policy discounts?
  • Does coverage extend to my business vehicle?
  • Should I have a commercial auto policy?
  • What is roadside assistance coverage?
  • Does liability extend to a camper or trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Why am I required to buy high-risk coverage?
  • Why am I required to buy liability insurance?
  • Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.

Coverages available on your car insurance policy

Learning about specific coverages of car insurance can be of help when determining appropriate coverage for your vehicles. Car insurance terms can be confusing and reading a policy is terribly boring. Listed below are the usual coverages available from car insurance companies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like rehabilitation expenses, doctor visits, funeral costs and hospital visits. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from flooding, hitting a deer and a broken windshield. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages

Liability coverage protects you from damages or injuries you inflict on a person or their property. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as attorney fees, structural damage, pain and suffering, medical expenses and legal defense fees. How much coverage you buy is your choice, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 2008 Pontiac Torrent.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Auto collision coverage

Collision insurance pays for damage to your Torrent from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like rolling your car, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Power to the consumer

We just showed you some good ideas how you can compare 2008 Pontiac Torrent insurance prices online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the best prices are with a smaller regional carrier. Smaller companies often have lower prices on specific markets compared to the large companies like Progressive and Geico.

As you restructure your insurance plan, it’s not a good idea to buy poor coverage just to save money. There have been many cases where someone sacrificed uninsured motorist or liability limits only to regret at claim time they didn’t have enough coverage. Your focus should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

Much more information about insurance coverage can be read at the links below