Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance policy? Trust us, there are lots of people in the same boat.
Drivers have multiple auto insurance companies to buy insurance from, and although it’s nice to be able to choose, too many choices makes it more difficult to locate the cheapest rates.
Finding affordable coverage is easy if you know what you’re doing. Essentially every driver who is shopping for auto insurance will be able to lower their premiums. Although car owners do need to understand how the larger insurance companies determine prices and apply this information to your search.
It’s important that you understand the rating factors that play a part in calculating your insurance coverage rates. Knowing what influences your rates enables informed choices that may reward you with big savings.
The are a couple different ways to compare quotes from car insurance companies in your area. The simplest method to find competitive 1990 Pontiac Grand Prix insurance rates is to use the internet to compare rates. This can be accomplished in a couple of different ways.
For a list of links to companies insuring cars in your area, click here.
Whichever way you use, make sure you use identical quote information on every quote. If you compare mixed coverages it’s not possible to determine which rate is truly the best. Having just a slight variation in limits can result in a big premium difference. Just keep in mind that having more price comparisons helps locate the best rates.
Companies that sell car insurance don’t always publicize every discount in a way that’s easy to find, so we took the time to find some of the best known as well as the least known auto insurance savings.
It’s important to understand that most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like you could get a free auto insurance policy, companies don’t profit that way.
A partial list of companies that may have these benefits are:
Double check with all companies you are considering which discounts you may be entitled to. Discounts might not be offered in every state.
When buying adequate coverage for your vehicles, there really is no “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether you could use an agent’s help.
If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.
Understanding the coverages of your insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are the normal coverages found on most insurance policies.
Medical expense insurance
Coverage for medical payments and/or PIP reimburse you for bills for rehabilitation expenses, ambulance fees, surgery and funeral costs. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
Liability car insurance
Liability insurance protects you from damages or injuries you inflict on people or other property that is your fault. It protects YOU against claims from other people. It does not cover 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 might see limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.
Liability coverage protects against things such as medical expenses, legal defense fees and loss of income. How much liability coverage do you need? That is up to you, but buy as much as you can afford.
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.
Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.
Comprehensive (Other than Collision)
This pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as falling objects, rock chips in glass and theft. The maximum payout 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.
This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against claims like driving through your garage door, crashing into a building, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.
As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. There are many occasions where an insured cut liability limits or collision coverage only to discover later that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.
We’ve covered a lot of information how to get a better price on 1990 Pontiac Grand Prix insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. You may even discover the biggest savings come from some of the smallest insurance companies. They may often insure only within specific states and give getter rates compared to the large companies like Progressive or GEICO.
More detailed insurance information can be read in the articles below: