Looking for the cheapest auto insurance rates for your Pontiac Grand Prix? Finding cheaper premium rates on auto insurance is always quite difficult for people who have little experience quoting and comparing prices online. There are so many different companies and agents to choose from that it can easily become a challenge to locate the lowest price.
It is always a good idea to get comparison quotes occasionally since prices tend to go up over time. Just because you found the best price for Grand Prix insurance a year ago you can probably find a better rate quote now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to one of the best ways to save money, get proper deductibles and limits, all at the lowest rate.
The quickest method we recommend to compare rates is to take advantage of the fact most larger insurance companies participate in online systems to give free rates quotes. The only thing you need to do is provide a small amount of information including how much school you completed, whether you are single or married, any included safety features, and if you are currently licensed. Your rating data is sent automatically to multiple different insurance companies and you will receive price estimates immediately.
To start a quote now, click here and enter your coverage details.
Car insurance providers like State Farm, Geico and Progressive regularly use television, radio, and online ads. They all seem to tend to make the same promise about saving some big amount if you just switch your coverage. It sounds good, but how can they all claim to save you money?
Insurance companies have specific criteria for the right customer that will not have excessive claims. One example of a desirable insured could be a married female, insures multiple vehicles, and drives less than 5,000 miles a year. Anyone who fits those characteristics is entitled to the best price as well as save when they switch companies.
Insureds who do not match this ideal profile will be quoted a higher rate with the end result being the customer not purchasing. If you listen to the ad wording, they say “people that switch” but not “everyone who gets a quote” can get the lowest rates when switching. This is how companies can truthfully lure you into getting a quote.
This emphasizes why you should compare rate quotes every year. Because you never know which car insurance company will provide the lowest rates.
Car insurance is not cheap, but there may be some discounts that may help make it more affordable. Certain discounts will be applied at the time of quoting, but a few need to be specifically requested prior to receiving the credit.
While discounts sound great, it’s important to understand that most credits do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way.
A list of companies and a summarized list of policyholder discounts are:
Before purchasing a policy, check with every prospective company to apply every possible discount. Discounts may not be offered in every state.
When it comes to buying coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.
Here are some questions about coverages that might point out if you would benefit from an agent’s advice.
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form.
Having a good grasp of car insurance can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.
Liability – This coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.
Liability coverage protects against claims like court costs, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.
Comprehensive coverages – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like vandalism, fire damage, damage from a tornado or hurricane and hitting a bird. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as funeral costs, doctor visits and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible
Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Pontiac Grand Prix.
Due to the fact that many drivers only carry the minimum required liability 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. Frequently these limits are identical to your policy’s liability coverage.
Collision – This pays for damage to your Grand Prix resulting from a collision 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 can pay for claims like scraping a guard rail, colliding with another moving vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.
When getting insurance coverage quotes online, do not skimp on critical coverages to save a buck or two. There have been many cases where an insured cut physical damage coverage to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.
We covered a lot of information how to compare 1998 Pontiac Grand Prix insurance prices online. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. You may even find the lowest prices are with the smaller companies.
Insureds switch companies for many reasons like policy cancellation, being labeled a high risk driver, delays in paying claims or policy non-renewal. It doesn’t matter what your reason, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.
More detailed auto insurance information is available at these sites: