2003 Pontiac Grand Prix Insurance Rates
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UPDATED: Jan 21, 2020
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Are you sick and tired of being strong-armed to buy car insurance? You are in the same boat as many other drivers. Insurance companies such as State Farm and GEICO increase brand awareness with advertising and it can be hard to see past the geckos and flying pigs and take the time to shop coverage around.
You should take the time to compare rates at least once a year since rates are variable and change quite frequently. Just because you found the best deal on Grand Prix coverage two years ago there may be better deals available now. Forget anything you know (or think you know) about insurance because you’re about to learn the tricks you need to know to properly buy coverages while reducing your premium.
Finding Car Insurance
Most companies provide pricing on their websites. Getting online quotes is fairly simple as you simply enter the coverage amounts you desire into a form. After the form is submitted, their rating system sends out for your driving and credit reports and generates pricing information based on these and other factors. Being able to quote online simplifies rate comparisons, but having to visit different websites and type in the same information can be a bit repetitive. Unfortunately, it is important to have as many quotes as possible if you are searching for a better rate.
Quote rates the easy way
The preferred way to find better car insurance pricing uses one simple form that gets prices from multiple companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online price comparison much easier. After sending the form, it is quoted and you can choose any or none of the pricing results. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. It takes less than 15 minutes and you will find out if you’re overpaying now.
To quickly fill out one form to compare multiple rates now, simply click here to open in new window and fill out the form. If you have a policy now, it’s recommended you enter deductibles and limits as close as possible to your current policy. Using the same limits helps guarantee you are getting comparison quotes based on the exact same insurance coverage.
Don’t believe everything you hear
Consumers constantly see and hear ads for car insurance savings from the likes of GEICO, State Farm and Progressive. All the companies make an identical promise that you’ll save big after switching your coverage to them.
How does each company make almost identical claims? It’s all in the numbers.
Insurance companies can use profiling for the driver that is profitable for them. A good example of a desirable insured could be between the ages of 30 and 50, has no driving citations, and chooses high deductibles. A propective insured who fits that profile will qualify for the lowest rates and as a result will probably save when they switch companies.
Potential insureds who fall outside the requirements will have to pay higher prices and ends up with the customer not buying. The ad wording is “customers that switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can confidently make the claims of big savings. Because of the profiling, you should get quotes from several different companies. Because you never know the company that will give you the biggest savings on Pontiac Grand Prix insurance.
Pontiac Grand Prix rate determination is complex
It’s important that you understand the different types of things that come into play when calculating the rates you pay for car insurance. Having a good understanding of what determines base rates helps enable you to make changes that may reward you with better car insurance rates.
- Little extras can really add up – There are a ton of additional coverages you can purchase if you aren’t careful. Things like rental car reimbursement, better glass coverage and term life insurance are examples of these. These coverages may sound good when talking to your agent, but if they’re wasting money remove them from your policy.
- Older drivers pay less – Teenage drivers are known to get distracted easily when driving so they pay higher car insurance rates. Having to add a teenage driver onto a policy can break the bank. More mature drivers are more responsible, tend to file fewer claims and get fewer tickets.
- Don’t skimp on liability – The liability section of your policy is the coverage that protects you if you are found liable for damages from an accident. Liability provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
- Lower deductibles cost more – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Pontiac. Examples of covered claims are running into the backend of another car, vandalism, and windstorm damage. Physical damage deductibles are how much you are willing to pay if you file a covered claim. The more expense you’re willing to pay, the less your company will charge you for insurance on Grand Prix coverage.
These discounts can slash car insurance rates
Auto insurance companies don’t always list every available discount in a way that’s easy to find, so the following is a list of both the well known and the more hidden savings tricks you should be using. If you aren’t receiving every discount available, you are paying more than you should be.
- New Vehicle Savings – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
- Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% on Grand Prix coverage depending on your company.
- Multiple Vehicles – Buying insurance for multiple vehicles on one policy qualifies for this discount.
- Defensive Driver – Taking a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
- Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
- Student in College – Children who live away from home without a vehicle on campus can be insured at a reduced rate.
- Safe Drivers – Safe drivers may save up to 50% more on Grand Prix coverage than less cautious drivers.
- Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
- Low Mileage – Fewer annual miles on your Pontiac could qualify for lower rates on the low mileage vehicles.
- Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
Drivers should understand that most discounts do not apply to the entire cost. Most only cut specific coverage prices like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, car insurance companies aren’t that generous.
Car insurance companies that possibly offer these benefits include:
Check with every prospective company how you can save money. All car insurance discounts may not apply everywhere.
When might I need the advice of an agent?
When it comes to choosing coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether or not you will benefit from professional help.
- Who is covered by my policy?
- Am I covered if I hit a deer?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Am I covered when driving in Canada or Mexico?
- Is my nanny covered when driving my vehicle?
- Will I be non-renewed for getting a DUI or other conviction?
- Does medical payments coverage apply to all occupants?
- Should I have combined single limit or split liability limits?
- Does coverage extend to a rental car in a foreign country?
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If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and may give you better protection.
Car insurance coverage basics
Having a good grasp of your car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types found on most car insurance policies.
Auto liability – This coverage can cover damage that occurs to people or other property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property.
Liability coverage protects against things like pain and suffering, legal defense fees and loss of income. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.
Comprehensive coverage – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, damage from flooding, vandalism and rock chips in glass. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like dental work, funeral costs and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Pontiac Grand Prix.
Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.
Collision – This coverage covers damage to your Grand Prix resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things like hitting a parking meter, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.
Stretch your dollar
When shopping online for car insurance, you should never sacrifice coverage to reduce premiums. In too many instances, an insured cut liability limits or collision coverage only to find out that the savings was not a smart move. Your focus should be to find the BEST coverage at a price you can afford.
Low-cost 2003 Pontiac Grand Prix insurance can be bought on the web and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.
Additional information can be found below:
- What Does No-Fault Insurance Cover? (Allstate)
- All About Airbag Safety (State Farm)
- Winter Driving (Insurance Information Insitute)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
- What to do at the Scene of an Accident (Insurance Information Insitute)
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