Cheapest 2007 Pontiac Grand Prix Insurance Rates in 2023
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UPDATED: Jun 4, 2023
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Shopping for cheap insurance over the internet can be problematic for consumers new to comparing rates online. Since there are so many choices, how can anyone even start to compare them all to find the cheapest rates?
Free Insurance Coverage Quotes
Most companies like GEICO, State Farm and Progressive quote pricing online. Getting online quotes doesn’t take a lot of time as you just enter your required coverages as detailed in the form. Behind the scenes, the company’s rating system will obtain your driving and credit reports and generates pricing information.
Quoting online makes it a lot easier to compare rates but the time it takes to visit different websites and type in the same information is repetitive and time-consuming. But it’s absolutely necessary to have as many quotes as possible if you are searching for the best price on insurance coverage.
There is a better way!
A quicker way to locate the lowest prices uses one form to return rates from a lot of companies. The form is fast, helps eliminate reptitive entry, and makes price shopping online much easier. Immediately after submitting the form, it gets priced and you can select any of the quotes returned.
If you find a better price you can click and sign and purchase coverage. This process takes just a few minutes to complete and you will find out if you’re overpaying now.
In order to find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you enter deductibles and limits exactly as shown on your declarations page. This ensures you’re receiving rate comparison quotes for exact coverage.
Companies like GEICO, State Farm and Progressive continually stream television and radio advertisements. All the ads make an identical promise of big savings after switching your coverage to them. But how can every company make the same claim?
All the different companies are able to cherry pick for the driver they prefer to insure. For instance, a preferred risk might be over the age of 40, has no tickets, and has excellent credit. Any new insured who matches those parameters gets the lowest rates and therefore will cut their rates substantially.
Consumers who don’t qualify for these standards must pay higher premiums which leads to business going elsewhere. The ads say “people who switch” not “everyone that quotes” save that much money. That is how companies can make the claims of big savings.
This illustrates why you absolutely need to compare many company’s rates. You cannot predict which car insurance company will fit your personal profile best.
How much can you save with these seven discounts?
Insurance can cost an arm and a leg, but you can get discounts to help offset the cost. Some discounts apply automatically when you get a quote, but a few need to be specifically requested before they will apply.
- Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
- No Accidents – Drivers with accident-free driving histories pay less when compared to drivers who are more careless.
- Defensive Driver – Taking a driver safety course can save you 5% or more if you qualify.
- Drive Safe and Save – Safe drivers may receive a discount up to 45% less on Grand Prix coverage than less cautious drivers.
- Fewer Miles Equal More Savings – Keeping the miles down on your Pontiac can earn better rates on cars that stay parked.
- Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
- College Student – Any of your kids living away from home attending college and do not have access to a covered vehicle can receive lower rates.
A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck. But all discounts will bring down your premiums.
Car insurance companies that possibly offer these money-saving discounts may include but are not limited to:
Check with every prospective company which discounts they offer. Discounts might not apply in every state.
How much car insurance do I need?
When it comes to choosing the right insurance coverage, there really is not a cookie cutter policy. Each situation is unique.
Here are some questions about coverages that can aid in determining if you will benefit from professional help.
- How many claims can I have before being canceled?
- What if I total my 2007 Pontiac Grand Prix and owe more than it’s worth?
- Can I afford to pay high deductible claims out of pocket?
- Do I have coverage when pulling a U-Haul trailer?
- Do I pay less for low miles?
- Do I have coverage when making deliveries for my home business?
- Can my teen driver be rated on a liability-only vehicle?
- When would I need additional glass coverage?
- When can I cancel my policy?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.
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Auto insurance specifics
Understanding the coverages of auto insurance can be of help when determining the best coverages for your vehicles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.
Liability auto insurance – Liability insurance provides protection from injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims such as structural damage, repair costs for stationary objects and pain and suffering. How much coverage you buy is up to you, but consider buying higher limits if possible.
Collision coverages – This coverage pays for damage to your Grand Prix resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers claims such as driving through your garage door, backing into a parked car, crashing into a ditch, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Pontiac Grand Prix.
Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are set the same as your liablity limits.
Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for expenses like surgery, chiropractic care, EMT expenses and pain medications. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible
Comprehensive auto coverage – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as damage from a tornado or hurricane, a broken windshield, hitting a deer, hail damage and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Save your cold hard cash
Drivers change insurance companies for many reasons like poor customer service, extreme rates for teen drivers, delays in responding to claim requests and being labeled a high risk driver. It doesn’t matter why you want to switch finding a great new company is not as hard as you think.
Throughout this article, we presented some good ideas how to reduce 2007 Pontiac Grand Prix insurance prices online. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from the least-expected company.
When you buy insurance online, you should never sacrifice coverage to reduce premiums. There have been many cases where an insured cut full coverage and discovered at claim time they didn’t purchase enough coverage. The aim is to purchase a proper amount of coverage at a price you can afford.
Additional information is available on the following sites:
- Child Safety FAQ (iihs.org)
- Medical Payments Coverage (Liberty Mutual)
- Understanding Your Insurance Deductible (Insurance Information Insitute)
- Protecting Teens from Drunk Driving (Insurance Information Insitute)
Frequently Asked Questions
Are there any specific factors that influence the insurance rates for a 2007 Pontiac Grand Prix?
Yes, here are nine factors that may influence the insurance rates for a 2007 Pontiac Grand Prix:
- Age and driving experience of the primary driver
- Location where the vehicle is primarily parked
- Annual mileage driven
- Driving record and history of accidents or traffic violations
- Credit score (in some cases)
- Coverage options and deductibles chosen
- Vehicle’s safety features, theft deterrent systems, and anti-theft devices
- Cost of repairs for the specific make and model
- Insurance claims history of the driver
Can I get discounts on insurance for my 2007 Pontiac Grand Prix?
Yes, there are various discounts that you may be eligible for to reduce your insurance premiums. Here are the six most common discounts:
- Safe driver discount
- Multi-policy discount
- Good student discount
- Low-mileage discount
- Anti-theft device discount
- Loyalty discount
Should I only consider the cheapest insurance rates for my 2007 Pontiac Grand Prix?
While cost is an important factor, it’s essential to consider more than just the cheapest insurance rates. It’s crucial to review the coverage options, deductibles, and overall reputation of the insurance provider. A reliable insurance company with good customer service and a strong claims process can provide better value in the long run, even if their rates are slightly higher.
Can the age of the driver affect the insurance rates for a 2007 Pontiac Grand Prix?
Yes, the age of the driver can impact insurance rates. Generally, younger and inexperienced drivers tend to have higher insurance rates compared to older, more experienced drivers. This is because younger drivers statistically have a higher likelihood of being involved in accidents.
Will my insurance rates be affected if I have a poor credit score and own a 2007 Pontiac Grand Prix?
In some cases, insurance companies may consider credit scores when determining insurance rates. If you have a poor credit score, it could potentially result in higher insurance premiums. However, not all insurance companies use credit scores as a rating factor, so it’s important to shop around and compare quotes from different providers.
Is it possible to get insurance coverage for a 2007 Pontiac Grand Prix with a history of accidents or claims?
Yes, it is usually possible to get insurance coverage for a 2007 Pontiac Grand Prix with a history of accidents or claims. However, having a history of accidents or claims can result in higher insurance rates. It’s recommended to shop around and compare quotes from different insurance providers to find the best coverage and rates available to you.
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