2000 Pontiac Grand Prix Insurance Cost – 9 Savings Tips

Searching for the cheapest insurance coverage rates for your Pontiac Grand Prix? Locating the cheapest insurance for your Pontiac Grand Prix can be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to shop for insurance coverage so you’re going to learn the best way to price shop coverage for a new or used Pontiac and find the cheapest rates.

You should make it a habit to compare prices occasionally because insurance coverage prices tend to go up over time. Despite the fact that you may have had the best rates for Grand Prix coverage on your last policy you may be paying too much now. Block out anything you think you know about insurance coverage because you’re going to learn how to quote online to properly buy coverages and cut your premium.

Free auto insurance quotes

Cutting your auto insurance rates is not a difficult process. Drivers just need to invest a few minutes to compare free insurance coverage quotes to find. It’s super easy and can be done by using one of the methods below.

  • The fastest and easiest way to find low rates is a comparison rater form click here to open form in new window. This quick form eliminates the need for separate quote forms for every company. A single form gets you coverage quotes from all major companies. Just one form and you’re done.
  • A more difficult way to obtain and compare quotes online consists of going to the website for each individual company to complete a price quote. For instance, let’s say you want to compare Progressive, Esurance and Allstate. To get each rate you have to navigate to each company’s site and repeatedly type in your coverage information, which is why first method is reommended.

    For a list of links to companies insuring cars in your area, click here.

The approach you take is up to you, just compare exactly the same coverage information for each quote you get. If each company quotes different data you will not be able to determine which company has the best rates.

More discounts mean cheap premiums

Companies don’t necessarily list their entire list of discounts very clearly, so we break down both well-publicized and also the lesser-known discounts you could be receiving when you buy insurance coverage online.

  • Defensive Driver – Completing a defensive driving course could cut 5% off your bill depending on where you live.
  • Discount for Life Insurance – Some insurance carriers give lower rates if you buy auto and life insurance together.
  • Senior Citizen Rates – If you qualify as a senior citizen, you may qualify for a small decrease in premiums for Grand Prix coverage.
  • Resident Student – Older children who are enrolled in higher education away from home and do not have a car can be insured at a reduced rate.
  • Active Service Discounts – Having a family member in the military may lower your car insurance rates slightly.
  • Discount for Multiple Policies – When you combine your auto and home insurance and insure them with the same company you could get a discount of over 10 percent off each policy depending on the company.
  • Responsible Driver Discount – Safe drivers may save up to 50% more for Grand Prix coverage as compared to drivers with claims.
  • Multiple Vehicles – Insuring multiple cars with the same car insurance company qualifies for this discount.
  • Theft Deterent – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and qualify for as much as a 10% discount.

A quick disclaimer, most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, you aren’t that lucky.

Companies and some of the premium reductions they offer can be read below.

  • Travelers may have discounts that include continuous insurance, new car, driver training, IntelliDrive, student away at school, and multi-policy.
  • 21st Century has discounts for 55 and older, good student, teen driver, theft prevention, anti-lock brakes, and student driver.
  • State Farm offers discounts including accident-free, passive restraint, Drive Safe & Save, multiple autos, anti-theft, student away at school, and good student.
  • Geico policyholders can earn discounts including multi-vehicle, multi-policy, seat belt use, membership and employees, and anti-theft.
  • SAFECO may offer discounts for safe driver, teen safe driver, anti-lock brakes, drive less, multi-car, and homeowner.
  • AAA may include discounts for education and occupation, multi-policy, multi-car, good driver, AAA membership discount, pay-in-full, and good student.

When getting free insurance coverage quotes, it’s a good idea to each company to give you their best rates. Some of the earlier mentioned discounts may not apply to policyholders in your area.

It’s not one size fits all

When buying proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Every insured’s situation is different.

For example, these questions may help you determine if your insurance needs may require specific advice.

  • Do I need replacement cost coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does having multiple vehicles earn me a discount?
  • How much can I save by bundling my policies?
  • What is high-risk coverage and where do I buy it?
  • I don’t drive much so do I pay less?
  • Do I have newly-aquired coverage?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Insurance coverage considerations

Having a good grasp of your policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive protection

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, falling objects, a tree branch falling on your vehicle and hitting a deer. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability

This provides protection from injuries or damage you cause to other people or property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like medical expenses, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses such as ambulance fees, funeral costs and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision coverage covers damage to your Grand Prix resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like damaging your car on a curb, scraping a guard rail, sustaining damage from a pot hole, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Uninsured or underinsured coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your 2000 Pontiac Grand Prix.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Pennies from heaven

People who switch companies do it for any number of reasons including an unsatisfactory settlement offer, questionable increases in premium, high prices and even extreme rates for teen drivers. No matter why you want to switch, finding a new car insurance company is actually quite simple.

When searching for cheap insurance coverage quotes, you should never reduce needed coverages to save money. There are a lot of situations where an insured dropped collision coverage only to regret that the savings was not a smart move. The goal is to find the BEST coverage for the lowest cost, but do not skimp to save money.

We covered some good ideas how to compare 2000 Pontiac Grand Prix insurance rates online. The most important thing to understand is the more companies you get auto insurance rates for, the better chance you’ll have of finding low cost insurance coverage. Consumers could even find that the biggest savings come from some of the lesser-known companies.

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