2002 Pontiac Grand Prix Insurance Cost
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UPDATED: Jan 20, 2020
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Having to pay for overpriced insurance can overdraw your checking account and force you to make sacrifices. Comparing price quotes is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.
Lots of car insurance companies contend for your hard-earned dollar, so it can be very hard to choose a insurer and get the definite best rates possible.
Why you might be paying too much to insure your Pontiac Grand Prix
An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for car insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with better car insurance rates.
- Younger drivers pay higher rates – Teen drivers tend to be less responsible in a vehicle so car insurance rates are higher. Mature drivers tend to be more responsible, file fewer claims and receive fewer citations.
- Protect yourself with liability coverage – Your policy’s liability coverage is the coverage that protects you when a jury decides you are liable for personal injury or accident damage. It will provide legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
- No coverage gaps is important – Allowing your coverage to lapse will be a sure-fire way to trigger a rate increase. Not only will you pay more, failure to provide proof of insurance might get you a license revocation or jail time.
- Small claims can cost you – If you tend to file frequent claims, you can pretty much guarantee higher rates. Car insurance companies provide lower rates to people who do not file claims often. Insurance coverage is intended for the large, substantial claims.
- Having a spouse can save you money – Being married can get you a discount when buying car insurance. Marriage usually means you are more responsible and it’s proven that being married results in fewer claims.
- A clean driving record saves money – A bad driving record has a huge affect on how much you pay. Good drivers receive lower rates than their less careful counterparts. Just one speeding ticket can increase rates forty percent or more. If you have dangerous violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
Do you qualify for discounts?
Auto insurance companies don’t always list all their discounts in a way that’s easy to find, so we break down both well-publicized as well as the least known auto insurance savings.
- New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
- Passive Restraints – Vehicles equipped with air bags can receive discounts of up to 25% or more.
- One Accident Forgiven – A few companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
- Federal Employees – Employees or retirees of the government may qualify you for a discount for Grand Prix insurance with a few auto insurance companies.
- Distant Student – Kids in college who attend school more than 100 miles from home and don’t have a car can receive lower rates.
- Discount for Swiching Early – Select companies give a discount for switching to them before your current expiration date. The savings is around 10%.
- Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Grand Prix insurance than drivers with accident claims.
- Seat Belts Save – Requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
Drivers should understand that most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like collision or personal injury protection. So when it seems like you can get free auto insurance, companies wouldn’t make money that way.
For a list of companies who offer auto insurance discounts, follow this link.
Car insurance myths debunked
Companies like Allstate, GEICO and Progressive regularly use ads on television and other media. All the ads make an identical promise about savings if you move your policy. How can each company make the same claim? This is how they do it.
All the different companies have a preferred profile for the type of customer that makes them money. A good example of a driver they prefer could be over the age of 40, insures multiple vehicles, and drives less than 10,000 miles a year. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and is almost guaranteed to save when they switch companies.
Potential insureds who fall outside the requirements will have to pay a higher premium which usually ends up with the driver buying from a lower-cost company. The ads state “customers who switch” not “everybody who quotes” save that kind of money. That’s why companies can claim big savings. Because of the profiling, you need to quote coverage with many companies. It’s just too difficult to predict the company that will have the lowest Pontiac Grand Prix insurance rates.
Don’t assume everyone needs the same coverage
When it comes to buying the best car insurance coverage, there really is not a best way to insure your cars. Every insured’s situation is different so this has to be addressed. For instance, these questions might point out whether or not you could use an agent’s help.
- What is the difference between comprehensive and collision coverage?
- Are split liability limits better than a combined single limit?
- Is extra glass coverage worth it?
- Are rental cars covered under my policy?
- What can I do if my company won’t pay a claim?
- Where can I find high-risk insurance?
- How does medical payments coverage work?
- Does my insurance cover a custom paint job?
- When should I drop full coverage on my 2002 Pontiac Grand Prix?
- Can my teen drive my company car?
If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
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Auto insurance coverage considerations
Understanding the coverages of auto insurance can help you determine the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most auto insurance policies.
Uninsured or underinsured coverage
This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Pontiac Grand Prix.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.
Medical expense coverage
Coverage for medical payments and/or PIP reimburse you for bills such as EMT expenses, ambulance fees, rehabilitation expenses, dental work and surgery. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as crashing into a building, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like hail damage, theft and fire damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Auto liability insurance
This provides protection from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability can pay for things such as bail bonds, loss of income and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.
Buy Smart and Save
We just presented a lot of techniques to reduce 2002 Pontiac Grand Prix insurance prices online. The key thing to remember is the more providers you compare, the better your comparison will be. You may be surprised to find that the most savings is with the least-expected company. Smaller companies may only write in your state and offer lower rates compared to the large companies like GEICO and State Farm.
Budget-conscious insurance is definitely available from both online companies as well as from independent agents, so you should compare both in order to have the best chance of saving money. Some auto insurance companies don’t offer the ability to get a quote online and these small insurance companies work with independent agents.
For more information, feel free to visit the resources below:
- What is Covered by GAP Insurance? (Allstate)
- Event Data Recorders FAQ (iihs.org)
- Tread Depth and Tire Safety (State Farm)
- Frontal Crash Tests (iihs.org)
- Vehicle Insurance in the U.S. (Wikipedia)
- What is a Telematics Device? (Allstate)
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