Pontiac Pontiac Grand-Prix Insurance Rates
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UPDATED: Nov 16, 2021
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Want better car insurance rates for your Pontiac Grand Prix? Paying for high-priced Pontiac Grand Prix insurance can take a big chunk out of your personal savings, especially in this economy. Comparing price quotes is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away. Big companies like Progressive, State Farm and GEICO promote their brand names with fancy advertisements and it is challenging if not impossible to sift through the bull and find the best price available.
Comparison of Insurance Coverage
All major insurance coverage companies allow you to get insurance quotes on the web. Getting online quotes is pretty easy as you just enter your required coverages as detailed in the form. After the form is submitted, the company’s rating system sends out for your credit score and driving record and generates a price based on many factors. This streamlines rate comparisons, but the time required to go to multiple sites and fill out multiple forms is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible if you are searching for the lowest possible prices on insurance coverage.
Isn’t there an easier way to compare rates?
The easiest way to get multiple rate quotes uses one form that obtains quotes from more than one company. This type of form saves time, helps eliminate reptitive entry, and makes price shopping online much easier to do. After your information is entered, your coverage is rated and you can select any or none of the price quotes you receive. If a lower price is quoted, you simply finish the application and buy the new coverage. It only takes a few minutes and you will know how your current rates stack up.
To compare pricing, simply click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you type in your coverages just like they are on your policy. This ensures you will have comparison quotes for similar coverage.
Are you getting all your discounts?
Auto insurance companies don’t always advertise every available discount very clearly, so the following is a list of some of the best known and the harder-to-find insurance savings. If you’re not getting every credit you qualify for, you’re just leaving money on the table.
- Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Grand Prix coverage than less cautious drivers.
- 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for Grand Prix coverage.
- Student in College – Children living away from home attending college and don’t have a car can receive lower rates.
- Drivers Education – Require your teen driver to enroll in driver’s education in high school.
- Own a Home – Owning a home can save you money because owning a home demonstrates responsibility.
- Seat Belts Save – Drivers who require all occupants to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
- No Accidents – Claim-free drivers can earn big discounts compared to accident-prone drivers.
Drivers should understand that many deductions do not apply the whole policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates you could get a free insurance policy, companies wouldn’t make money that way.
Car insurance companies that possibly offer these benefits include:
- State Farm
- Farmers Insurance
- American Family
Check with each company which discounts they offer. Savings may not be available in your area.
When might I need an agent?
When choosing the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might help in determining if your situation would benefit from professional advice.
- Will my vehicle be repaired with OEM or aftermarket parts?
- Should I file a claim if it’s only slightly more than my deductible?
- Can I rent a car in Mexico?
- Should I put collision coverage on all my vehicles?
- How do I buy GAP insurance?
- Why do I only qualify for high-risk insurance?
- Is motorclub coverage worth it?
- How do I insure my teen driver?
- Do I need rental car coverage?
- How much underlying liability do I need for an umbrella policy?
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If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.
Auto insurance coverage specifics
Knowing the specifics of your policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages offered by auto insurance companies.
Comprehensive auto insurance
This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as rock chips in glass, theft and falling objects. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Liability car insurance
Liability coverage protects you from damage that occurs to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.
Liability can pay for things like medical services, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.
Collision insurance covers damage to your Grand Prix from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as driving through your garage door, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.
Coverage for medical expenses
Coverage for medical payments and/or PIP pay for immediate expenses like pain medications, nursing services and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2004 Pontiac Grand Prix.
Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.
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