1992 Pontiac Grand Prix Car Insurance Quotes

Looking for cheaper auto insurance rates for your Pontiac Grand Prix? No one in their right mind looks forward to buying auto insurance, especially when they are aware that the cost is too high.

Popular companies such as Geico, 21st Century and Progressive constantly bombard you with advertising and it is challenging if not impossible to ignore the flying pigs and cute green geckos and find the best price available.

It’s a great practice to compare premium rates once or twice a year since rates are constantly changing. Just because you had the best deal for Grand Prix insurance last year you may be paying too much now. Forget all the misinformation about auto insurance because you’re about to find out the right way to properly buy coverages while reducing your premium.

Which auto insurance is cheapest?

Shopping for lower auto insurance rates can be a lot of work if you don’t know the most efficient way. You could spend your day talking about coverages with agents in your area, or you can stay home and use the internet to get prices fast.

Many popular insurance companies take part in a program that enables customers to enter their policy data once, and every company can provide price quotes determined by their information. This saves time by eliminating quote forms for each company you want a rate for.

To submit your quote information now, click here to open in new window.

The single downside to using this type of form is you cannot specify the providers to receive prices from. If you prefer to choose individual companies to compare prices, we have a listing of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, be certain you are entering exactly the same coverages with every price quote. If your comparisons have different deductibles you can’t possibly determine the lowest rate for your Pontiac Grand Prix. Just slight variations in insurance coverages or limits may cause a big price difference. Just keep in mind that comparing all the rates in your area helps increase your odds of locating better pricing. Some regional insurers cannot provide prices over the internet, so it’s important to compare price quotes from those companies as well.

Pay discount rates these discounts

Car insurance companies don’t always publicize all disounts in an easy-to-find place, so we break down both well-publicized as well as the least known insurance coverage savings.

  • Drivers Ed for Students – Have your child participate in a local driver’s education class in high school.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions and earn discounts up to 10%.
  • Multi-Vehicle Discounts – Buying insurance for more than one vehicle on one policy can reduce the rates for all insured vehicles.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for Grand Prix insurance depending on your company.
  • Waiver for an Accident – Not necessarily a discount, but companies like Geico and Allstate allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Senior Citizens – If you qualify as a senior citizen, you may receive a small decrease in premiums for Grand Prix insurance.

A little disclaimer on discounts, many deductions do not apply the the whole policy. Most only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn’t work that way.

A few of the larger companies and a partial list of their discounts are:

  • State Farm policyholders can earn discounts including accident-free, defensive driving training, safe vehicle, good student, and good driver.
  • Nationwide discounts include good student, easy pay, business or organization, defensive driving, and family plan.
  • Geico offers premium reductions for defensive driver, anti-lock brakes, anti-theft, multi-vehicle, driver training, and seat belt use.
  • AAA offers discounts for good driver, anti-theft, multi-car, pay-in-full, education and occupation, AAA membership discount, and good student.
  • 21st Century may include discounts for theft prevention, anti-lock brakes, automatic seat belts, air bags, early bird, defensive driver, and 55 and older.
  • The Hartford may offer discounts for good student, anti-theft, air bag, driver training, bundle, and defensive driver.

Double check with every company the best way to save money. Some discounts might not apply in every state. To choose insurance coverage companies who offer discounts, click here.

Special considerations

When it comes to buying the best insurance coverage coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Is my nanny covered when driving my vehicle?
  • How can I force my company to pay a claim?
  • What is no-fault insurance?
  • Who is covered when they drive my 1992 Pontiac Grand Prix?
  • How can I get my company to pay me more for my totalled car?
  • Do I need added coverage for expensive stereo equipment?
  • Are my friends covered when driving my car?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Pontiac Grand Prix insurance price factors

It’s important that you understand some of the factors that come into play when calculating your policy premiums. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that could result in lower premium levels. Many things are used when quoting car insurance. Some are obvious like a motor vehicle report, but others are less apparent like your continuous coverage or your vehicle rating.

  • Guys are more aggressive – Over the last 30 years, statistics show women are more cautious behind the wheel. This data doesn’t prove that females are better drivers. They both are in accidents at about the same rate, but men tend to have higher claims. Men also get more serious tickets such as reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and therefore are the most expensive to insure.
  • Lower prices with alarms and GPS tracking – Choosing a vehicle with advanced anti-theft systems can help lower your rates. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms help track and prevent car theft.
  • Your age impacts your rates – Mature drivers are more cautious drivers, cause fewer claims and accidents .Beginning drivers are statistically proven to be more careless when behind the wheel and because of this, their insurance rates are much higher.
  • Less chance of injury means lower prices – Cars with high safety ratings tend to have better insurance rates. Safer cars result in less severe injuries and fewer injuries translates into savings for insurance companies which can result in lower premiums. If your Pontiac Grand Prix scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
  • Married people drive safer – Your spouse may earn you lower rates on your insurance policy. Having a spouse demonstrates that you tend to be less irresponsible and statistics show married drivers tend to file fewer claims.

Does insurance advertising bend the truth?

21st Century, Allstate and State Farm seem to constantly run ads in print and on television. They all have a common claim of big savings if you change to them. How does each company have lower policy pricing?

Most companies require specific criteria for the type of insured that will not have excessive claims. For instance, a desirable risk could possibly be between the ages of 30 and 50, has no tickets, and drives a car with an anti-theft system. Any new insured who fits that profile will probably get cheap rates and therefore will save when switching.

Insureds who don’t measure up to these standards will be quoted higher premium rates which usually ends up with the customer not buying. The wording the ads use say “customers who switch” not “everyone that quotes” can get the lowest rates when switching. That’s the way insurance companies can confidently advertise the savings. Because of this risk profiling, you really should compare free car insurance quotes often. You cannot predict with any certainty which company will have the best car insurance rates for your profile.

Auto insurance coverages and their meanings

Learning about specific coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages found on most auto insurance policies.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your 1992 Pontiac Grand Prix.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage for collisions

This covers damage to your Grand Prix from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a mailbox, sustaining damage from a pot hole, colliding with a tree and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for hospital visits, pain medications, funeral costs, prosthetic devices and ambulance fees. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability

This can cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as emergency aid, loss of income, repair costs for stationary objects, structural damage and court costs. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, a broken windshield, hail damage and theft. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Shop. Compare. Save.

We just presented many tips how you can get a better price on 1992 Pontiac Grand Prix insurance. The key concept to understand is the more you quote car insurance, the better likelihood of getting low cost car insurance. You may even find the lowest premium rates come from a company that doesn’t do a lot of advertising. Smaller companies may have significantly lower prices on certain market segments as compared to the big name companies such as Allstate, Geico and Progressive.

Some insurance companies may not provide rate quotes online and most of the time these small insurance companies only sell through independent insurance agents. Cheaper auto insurance is attainable from both online companies in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from.

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