Save on 2002 Pontiac Grand Prix Insurance Cost

Cutting costs on Driversauto insurance can be hard for people who are beginners to online comparison shopping. With literally dozens of insurance companies available, it can easily be a ton of work to find more affordable auto insurance rates.

It is always a good idea to compare rates on a regular basis since insurance prices change quite often. Despite the fact that you may have had the lowest rates for Grand Prix coverage on your last policy you will most likely find a better rate quote today. Forget all the misinformation about auto insurance because you’re about to learn the best way to properly buy coverages while reducing your premium.

Shop car insurance online

When looking for affordable car insurance quotes, there are a couple ways to get quotes from different companies. The fastest way to compare 2002 Pontiac Grand Prix insurance prices consists of shopping online. This is very easy and can be done using a couple different methods.

One of the fastest ways consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This type of form prevents you from having to do boring form submissions for each company. In just a few minutes this one form gets coverage cost estimates from all major companies. It’s definitely the quickest method.
A more difficult way to analyze rates requires a trip to the website of each company to complete a price quote. For sake of this example, we’ll assume you want rates from Geico, 21st Century and Farmers. To get rate quotes you would need to take the time to go to each site and punch in your information repeatedly, which explains why we recommend starting with the first method.
For a list of companies in your area, click here.
The most time-consuming way to comparison shop rate quotes is to waste gas driving to and from local insurance agencies. The fact that you can get quotes online eliminates this option unless you prefer the trained advice that only an agent can give. Although, it is possible get prices online but buy from a local insurance agent.

You can choose any of those ways to find more affodable coverage, but be certain you are entering identical deductibles and coverage limits on every quote you get. If you have higher or lower deductibles it’s not possible to get a fair rate comparison. Just slight variations in coverages may cause a big price difference. Keep in mind that making a lot of price comparisons helps increase your odds of locating better pricing. Some insurance companies are not set up to provide rate quotes online, so it’s important to compare price estimates from those companies as well.

Car insurance discounts are available to cut your rates

Some providers don’t list all disounts very well, so the following list contains a few of the more well known and also the more inconspicuous discounts that you may qualify for.

Professional Memberships – Belonging to a professional or civic organization is a good way to get lower rates when getting a car insurance quote.
Fewer Miles Equal More Savings – Driving fewer miles could qualify for discounted car insurancerates on garaged vehicles.
Student Discounts – Being a good student could provide a savings of up to 20% or more. Earning this discount can benefit you up to age 25.
Driver’s Ed – Cut your cost by having your teen driver sucessfully take a drivers education course as it can save substantially.
Use Seat Belts – Drivers who require all occupants to buckle their seat belts can save up to 15% off the PIP or medical payment premium.

A little disclaimer on discounts, some of the credits will not apply the the whole policy. Some only reduce the cost of specific coverages such as comp or med pay. If you do the math and it seems like it’s possible to get free car insurance, nobody gets a free ride.

Auto insurance companies that possibly offer some of the above discounts include:

It’s a good idea to ask all the companies what discounts are available to you. Some of the discounts discussed earlier may not apply to policies in your area. To locate providers that offer discounts, click here to view.

Everyone needs different car insurance coverages

When it comes to buying proper insurance coverage for your vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining if your situation might need professional guidance.

Do I need special endorsements for business use of my vehicle?
Am I covered when driving on a suspended license?
Am I covered when driving in Canada or Mexico?
Are my friends covered when driving my car?
What is PIP insurance?
Am I covered by my spouse’s policy after a separation?
Can I still get insurance after a DUI?
What is roadside assistance coverage?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Specifics of your auto insurance policy

Having a good grasp of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for expenses like rehabilitation expenses, surgery, prosthetic devices and funeral costs. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Pontiac Grand Prix.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Auto collision coverage

This coverage will pay to fix damage to your Grand Prix from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, driving through your garage door, rolling your car, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for liability

This coverage protects you from damage or injury you incur to other people or property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers things such as medical expenses, funeral expenses, bail bonds, structural damage and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive protection

This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a deer, hitting a bird, hail damage, a broken windshield and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.