Pontiac Pontiac Grand-Prix Insurance Rates
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UPDATED: May 11, 2022
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Trying to find cheaper insurance coverage rates for your Pontiac Grand Prix? Searching for cheaper insurance for a new or used Pontiac Grand Prix could be difficult, but you can learn the following methods and make it easy. There are more efficient ways to shop for insurance coverage so we’re going to tell you the proper way to quote coverages on a Pontiac and locate the lowest price from both online companies and local agents.
If you are insured now or are shopping for new coverage, you can learn to find better prices while maximizing coverage. Locating more affordable car insurance coverage is easy if you know what you’re doing. Drivers just need to know the best way to get comparison rates online.
These factors can influence what you pay for Pontiac Grand Prix insurance
An important part of buying insurance is that you know the different types of things that go into determining the price you pay for car insurance. Having a good understanding of what controls the rates you pay enables informed choices that may reward you with big savings.
- An active claims history can cost you – If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Insurance companies provide discounts to insureds who do not file claims often. Car insurance is intended for major claims that would cause financial hardship.
- Optional equipment can affect rates – Purchasing a vehicle with an alarm system can get you a discount on your car insurance. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
- Your location is important – Living in less populated areas has it’s advantages when buying car insurance. Fewer people means fewer accidents. Urban drivers tend to have congested traffic and a longer drive to work. Longer commute distances translates into higher accident risk.
- Marriage pays dividends – Having a wife or husband can get you a discount on your car insurance policy. Marriage usually means you are more mature than a single person it has been statistically shown that being married results in fewer claims.
- Proper usage rating affects rates – The more you drive in a year’s time the higher your rates will be. Almost all companies rate vehicles based on how the vehicle is used. Vehicles that are left in the garage qualify for better rates than vehicles that are driven to work every day. Having the wrong rating on your Grand Prix may be wasting your money. Verify your car insurance policy is showing the correct driver usage.
- Sex matters – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Both sexes tend to get into accidents at about the same rate, but the male of the species tend to have more serious accidents. Men also tend to get more serious tickets such as DWI and reckless driving.
- Don’t get talked into coverage you don’t need – There are a ton of extra coverages that you can get tricked into buying on your Grand Prix policy. Coverages for rental car reimbursement, accidental death and additional equipment coverage may be wasting your money. They may seem like a good idea when talking to your agent, but now you might not need them so eliminate them to save money.
- Safe vehicles cost less to insure – Safer cars get lower rates. Safe vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If the Pontiac Grand Prix is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
How to Buy Insurance Online
Effectively comparing insurance prices can take hours if you don’t utilize the most efficient way. You could spend the better part of a day talking to insurance agencies in your area, or you can stay home and use the web to get pricing more quickly.
Most car insurance companies take part in a program where insurance shoppers enter their coverage request one time, and at least one company then gives them pricing based on the submitted data. This prevents consumers from doing repetitive form submissions to every company.
To participate in this free quote system, click here to start a free quote.
One minor caviat to comparing rates this way is that consumers can’t choose the companies to receive prices from. So if you want to select specific providers to compare prices, we have assembled a list of low cost insurance companies in your area. View list of insurance companies.
It’s up to you how you get prices quotes, just compare exactly the same coverage limits with every price quote. If your comparisons have unequal deductibles or liability limits it’s impossible to decipher which rate is best.
Are car insurance companies telling the truth?
Drivers can’t get away from ads for car insurance savings from companies such as State Farm, GEICO and Progressive. All the ads have a common claim that you can save if you move your policy.
How do they all say the same thing?
All companies are able to cherry pick for the right customer that makes them money. For instance, a desirable insured might be a mature driver, has no driving citations, and has great credit. A customer who fits that profile is entitled to the best price and therefore will save when switching.
Potential insureds who do not match the requirements will have to pay higher premiums and ends up with the driver buying from a lower-cost company. The ads say “customers who switch” but not “drivers who get quotes” save that much. That’s why companies can claim big savings. Because of the profiling, drivers should get a wide range of price quotes. It’s not possible to predict which insurance companies will have the lowest Pontiac Grand Prix insurance rates.
Take discounts and save
Auto insurance companies do not advertise all their discounts very clearly, so we break down both the well known and the more hidden discounts you could be receiving. If you’re not getting every credit you deserve, you are paying more than you should be.
- Discount for New Cars – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
- Student Driver Training – Require your teen driver to successfully complete driver’s ed class in high school.
- Safe Drivers – Safe drivers may receive a discount up to 45% less on Grand Prix coverage than less cautious drivers.
- Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
- Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance from them.
Drivers should understand that most discount credits are not given the whole policy. Most only cut the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn’t make money that way.
To see a list of providers offering auto insurance discounts, follow this link.
Which policy gives me the best coverage?
When it comes to buying the best insurance coverage coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.
These are some specific questions can help discover whether your personal situation may require specific advice.
- Do I pay less if my vehicle is kept in my garage?
- Do I have newly-aquired coverage?
- What are the best liability limits?
- Do I have coverage if my license is suspended?
- What should my uninsured motorist coverage limits be in my state?
- Exactly who is provided coverage by my policy?
- What is the minimum liability in my state?
- Do I really need UM/UIM coverage?
If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.
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Insurance coverage basics
Understanding the coverages of your insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.
Comprehensive or Other Than Collision
Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as fire damage, damage from getting keyed and theft. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Auto collision coverage
This covers damage to your Grand Prix from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers things such as colliding with another moving vehicle, driving through your garage door, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.
This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Pontiac Grand Prix.
Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Auto liability insurance
This protects you from damage that occurs to other people or property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover 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. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage protects against things like legal defense fees, repair costs for stationary objects, repair bills for other people’s vehicles, attorney fees and court costs. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.
Medical costs insurance
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like hospital visits, dental work, rehabilitation expenses, ambulance fees and nursing services. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay
While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.
Cheap 1996 Pontiac Grand Prix insurance is attainable from both online companies and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.
We just showed you a lot of information how to shop for insurance online. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may even find the lowest premiums are with the least-expected company.
For more information, feel free to visit the following helpful articles:
- What is Full Coverage? (Allstate)
- Protect Yourself Against Auto Theft (Insurance Information Insitute)
- Medical Payments Coverage (Liberty Mutual)
- Rental Car Insurance Tips (Insurance Information Insitute)
- Avoiding Deer Collisions (Insurance Information Insitute)
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