1993 Pontiac Grand Prix Car Insurance Rates

Trying to find the cheapest insurance for a new or used Pontiac Grand Prix can turn out to be difficult, but you can use the following methods to save time.

There is a better way to shop for car insurance and you need to know the quickest way to price shop coverage on a Pontiac and locate the lowest price from local insurance agents and online providers.

If you are insured now or are just looking to switch companies, you can use these techniques to find the best rates while maximizing coverage. Finding the best protection can be fairly easy. Drivers just need to understand the proper methods to get comparison quotes over the internet.

Insurance discounts are available to lower your rates

Insuring your fleet can be pricey, but companies offer discounts to help offset the cost. Certain reductions will be credited at the time of quoting, but lesser-known reductions have to be specifically requested prior to receiving the credit. If you do not check that you are getting every discount available, you are not getting the best rate possible.

  • Bundled Policy Discount – If you can combine your auto and homeowners policy and insure them with the same company you may earn at least 10% off all policies.
  • Discount for Low Mileage – Driving less could be rewarded with better rates on cars that stay parked.
  • Payment Method – By making one initial payment instead of monthly or quarterly installments you can avoid monthly service charges.
  • First Accident Forgiveness – This one is not really a discount per se, but some insurance companies permit an accident without getting socked with a rate hike if you are claim-free prior to the accident.
  • Discounts for Good Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on Grand Prix coverage than drivers with accidents.
  • Save with More Vehicles Insured – Drivers who insure more than one vehicle on one policy qualifies for this discount.
  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted price on car insurance if you buy some life insurance too.
  • Save over 55 – Drivers over the age of 55 may qualify for lower premium rates on Grand Prix coverage.

Just know that most discount credits are not given the the whole policy. Some only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, it’s just not the way it works.

A few of the larger companies and their possible discounts are:

  • State Farm offers discounts for student away at school, safe vehicle, defensive driving training, multiple autos, good driver, anti-theft, and driver’s education.
  • Liberty Mutual may include discounts for preferred payment discount, new vehicle discount, hybrid vehicle, newly married, and newly retired.
  • American Family discounts include air bags, early bird, TimeAway discount, accident-free, good driver, multi-vehicle, and bundled insurance.
  • Progressive has discounts for homeowner, multi-policy, good student, online signing, continuous coverage, multi-vehicle, and online quote discount.
  • Farmers Insurance policyholders can earn discounts including mature driver, business and professional, alternative fuel, early shopping, and distant student.
  • Auto-Owners Insurance offers premium reductions for good student, mature driver, group or association, multi-policy, and teen driver.
  • SAFECO has savings for anti-theft, homeowner, teen safety rewards, safe driver, accident prevention training, and multi-car.

Before you buy a policy, ask all the companies to apply every possible discount. All car insurance discounts may not be offered in every state. To find insurance companies that can offer you the previously mentioned discounts, click this link.

Where can I get the cheapest car insurance?

Comparing car insurance rates can take time and effort if you don’t know the best way to get rate quotes. You can spend your afternoon talking about coverages with local insurance agents in your area, or you could save time and use online quotes to get pricing more quickly.

Many popular insurance companies take part in a program where prospective buyers submit one quote, and each company then returns a price quote. This eliminates the need for quote forms for each company you want a rate for.

To compare rates using this form now click here (opens in new window).

The one downside to doing it this way is you don’t know exactly which companies you will receive quotes from. If you would rather choose specific insurance companies to compare, we have a page of companies who write car insurance in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just do your best to use the same deductibles and coverage limits for each price quote. If you enter different limits and deductibles on each one you will not be able to make an equal comparison.

Everyone needs different insurance coverage coverages

When it comes to choosing proper insurance coverage, there is no “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that might point out whether you might need an agent’s assistance.

  • Do I need roadside assistance coverage?
  • How high should my medical payments coverage be?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I covered when driving someone else’s vehicle?
  • Why do I only qualify for high-risk insurance?
  • Do I benefit by insuring my home with the same company?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered when pulling a rental trailer?

If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Insurance coverage basics

Learning about specific coverages of a insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage protection

Collision insurance will pay to fix damage to your Grand Prix resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a building, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses like pain medications, surgery and hospital visits. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability coverage provides protection from injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things such as repair bills for other people’s vehicles, legal defense fees, repair costs for stationary objects and loss of income. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Uninsured and underinsured coverage

This coverage protects you and your vehicle 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 many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, theft, vandalism and damage from flooding. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Best coverage at the best price

We covered a lot of tips how to compare 1993 Pontiac Grand Prix insurance prices online. It’s most important to understand that the more you quote auto insurance, the higher the chance of saving money. Consumers may even find the best price on insurance coverage is with the least-expected company.

Affordable 1993 Pontiac Grand Prix insurance can be found from both online companies in addition to local insurance agencies, so you need to shop auto insurance with both in order to have the best price selection to choose from. There are still a few companies who may not provide rate quotes online and usually these smaller companies prefer to sell through independent agents.

When shopping online for insurance coverage, never skimp on coverage in order to save money. In too many instances, someone sacrificed collision coverage only to regret at claim time that it was a big error on their part. Your strategy should be to get the best coverage possible at the lowest possible cost while still protecting your assets.

For more information, take a look at the resources below: