1995 Pontiac Grand Prix Insurance Quotes

Searching for the cheapest insurance rates for your Pontiac Grand Prix? Have you had enough of scraping nickels together to pay insurance each month? You have the same problem as many other consumers. Insurance companies such as Progressive, Geico and Farmers Insurance all promote huge savings with ad campaigns and it is challenging if not impossible to ignore the propoganda and do the work needed to find the best deal.

Smart consumers take time to compare rates before your next renewal because prices are usually higher with each renewal. Even if you got the best quotes for Grand Prix coverage last year there is a good chance you can find better rates now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the tricks you need to know to properly buy coverages while reducing your premium.

Use discounts to get cheaper insurance coverage quotes

Insurance coverage can be pricey, but you may find discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically when you purchase, but occassionally some discounts must be specifically requested in order for you to get them.

  • Policy Bundle Discount – If you can combine your auto and home policy and insure them both with the same insurance company you could get a discount of nearly 15% which can help you find low cost auto insurance.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Pontiac could be rewarded with cheaper rates.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up can save 10% or more off the medical payments premium.
  • Driver Training Discounts – Taking part in a course teaching defensive driving skills may get you a small discount and easily pay for the cost of the class.
  • Multi-Vehicle Discounts – Purchasing coverage when you have all your vehicles with one company could earn a price break for each car.
  • Telematics Devices – Drivers who agree to allow companies to analyze driving manner by using a telematics device such as State Farm’s In-Drive could save a few bucks as long as the data is positive.
  • Accident-Free Discounts – Drivers with accident-free driving histories pay much less compared to frequent claim filers.

One last thing about discounts, some credits don’t apply the the whole policy. The majority will only reduce individual premiums such as medical payments or collision. So despite the fact that it appears you can get free auto insurance, that’s just not realistic.

A few popular companies and some of the discounts include:

  • State Farm may offer discounts for good driver, passive restraint, Steer Clear safe driver discount, anti-theft, student away at school, safe vehicle, and defensive driving training.
  • American Family may have discounts that include multi-vehicle, mySafetyValet, good student, Steer into Savings, defensive driver, and accident-free.
  • Geico discounts include anti-lock brakes, federal employee, five-year accident-free, military active duty, daytime running lights, driver training, and membership and employees.
  • 21st Century has savings for teen driver, homeowners, good student, theft prevention, student driver, and 55 and older.
  • Progressive includes discounts for multi-policy, online quote discount, continuous coverage, online signing, good student, and multi-vehicle.

Before purchasing a policy, check with all companies you are considering which discounts you may be entitled to. Depending on the company, some discounts may not be available everywhere. To locate providers that offer some of these discounts, click here to view.

Learn how to lower your insurance costs

A large part of saving on insurance is knowing some of the things that aid in calculating your policy premiums. When you understand what determines base rates, this enables informed choices that can help you get lower insurance prices.

Shown below are a few of the “ingredients” utilized by car insurance companies to help set your premiums.

  • Consolidate policies and save – Most companies allow better rates to buyers who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, it’s still a good idea to compare rates to verify if the discount is saving money.There is a chance you can save money by buying insurance from more than one company.
  • Avoid unnecessary add-on coverages – Policies have extra coverages you can purchase when buying insurance. Insurance for things like replacement cost coverage, accident forgiveness, and motor club memberships are some examples. They may seem like a good idea when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Maintain insurance coverage – Allowing your insurance policy to lapse will be a sure-fire way to increase your insurance rates. Not only will you pay higher rates, not being able to provide proof of insurance may result in a license revocation or jail time. You will then be forced to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Raise physical damage deductibles and save – Physical damage insurance, otherwise known as comp (or other than collision) and collision, helps pay for damage to your vehicle. Some examples of covered claims are collision with another vehicle, hail damage, and damage caused by flying debris. Comprehensive and collision coverage deductibles represent how much money you are required to pay before your insurance pays a claim. The larger the amount you choose to pay out-of-pocket, the lower your rates will be for Grand Prix coverage.
  • Get a ticket, pay higher costs – Your driving citation history has a lot to do with how much you pay for insurance. Getting just one speeding ticket or other violation may increase your cost twenty percent or more. Good drivers receive lower rates as compared to those with violations. Drivers unfortunate enough to have flagrant tickets such as DUI, reckless driving or excessive speeding may need to maintain a SR-22 with the DMV in their state in order to prevent a license revocation.
  • Your job and insurance rates – Careers such as judgesair traffic controllers and stock brokers generally have higher rates than average due to job stress and incredibly demanding work hours. On the flip side, jobs like actors, engineers and performers have the lowest average rates for Grand Prix coverage.
  • Vehicles with better crash test results cost less to insure – Safe vehicles can get you lower premiums. Safer cars help reduce the chance of injuries in an accident and fewer serious injuries translates into fewer and smaller insurance claims which can mean better rates for you. If the Pontiac Grand Prix has ratings of a minimum four stars on Safercar.gov it may be receiving lower rates.
  • Get married and get better prices – Having a spouse can actually save you money when shopping for insurance. Having a spouse demonstrates that you tend to be more financially stable and statistics show being married results in fewer claims.

Tailor your auto insurance coverage to you

When choosing coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions may help you determine whether you would benefit from professional advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Why am I required to buy liability insurance?
  • When can I cancel my policy?
  • Is my nanny covered when driving my vehicle?
  • Does car insurance cover theft of personal property?
  • Am I better off with higher deductibles on my 1995 Pontiac Grand Prix?
  • Does my car insurance cover rental cars?
  • Do I pay less if my vehicle is kept in my garage?
  • Where can I find high-risk insurance?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

The coverage is in the details

Understanding the coverages of auto insurance aids in choosing appropriate coverage for your vehicles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from auto insurance companies.

Comprehensive auto coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like fire damage, damage from a tornado or hurricane, falling objects, vandalism and hitting a bird. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This pays for damage to your Grand Prix resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like rolling your car, driving through your garage door, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like hospital visits, dental work, ambulance fees and nursing services. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability insurance – Liability coverage protects you from damage or injury you incur to a person or their property. It protects YOU against claims from 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. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims such as court costs, loss of income and structural damage. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Compare but don’t skimp

When getting auto insurance quotes online, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice uninsured motorist or liability limits only to find out that it was a big error on their part. The proper strategy is to purchase plenty of coverage for the lowest cost while still protecting your assets.

Throughout this article, we presented a lot of ways to lower your 1995 Pontiac Grand Prix insurance rates. The key concept to understand is the more providers you compare, the better chance you’ll have of finding low cost auto insurance. Consumers may even find the best rates are with a company that doesn’t do a lot of advertising. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

Additional detailed information can be read in these articles: