Lower Your 1991 Pontiac Grand Prix Insurance Quotes

Trying to find the cheapest insurance coverage rates for your Pontiac Grand Prix? Are you tired of not being able to afford each month for car insurance? You are in the same boat as many other drivers. Many car insurance companies compete for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest cost out there.

Consumers should take time to compare prices yearly since insurance rates are adjusted regularly by insurance companies. Even if you got the best rates on Grand Prix coverage a couple years back you can probably find a lower rate today. So forget anything you know (or think you know) about insurance coverage because we’re going to show you the tricks you need to know to find lower rates on insurance coverage.

If you have a current car insurance policy or need new coverage, you can use these techniques to reduce the price you pay and possibly find even better coverage. Finding the best rates is easy if you know what you’re doing. Vehicle owners only need an understanding of how to buy car insurance on the web.

How to Compare Insurance Costs

There are a lot of ways to shop for insurance, but there is one way that is less time-consuming than others. You can waste a few hours (or days) talking about coverages with agents in your area, or you can utilize online quotes to get prices fast.

All the larger companies enroll in a system where prospective buyers complete one form, and each company then returns a price quote determined by their information. This saves time by eliminating quotation requests for each company you want a rate for.

To compare 1991 Pontiac Grand Prix rates using this form now click here (opens in new window).

The one disadvantage to comparing rates this way is you can’t choose which companies to get quotes from. If you would rather choose individual companies to compare rates, we have a listing of the cheapest insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, make darn sure you compare the exact same coverage limits on every quote. If you have mixed coverages then you won’t be able to truly determine the lowest rate.

Get lower rates on Pontiac Grand Prix insurance

Companies offering auto insurance don’t necessarily list all their discounts in an easy-to-find place, so we researched both the well known and the more hidden insurance coverage savings. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Accident Waiver – A few companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Student in College – Kids in college who live away from home without a vehicle on campus may be able to be covered for less.
  • Own a Home – Being a homeowner may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • Sign Early and Save – Some companies give discounts for signing up prior to your current policy expiring. It can save you around 10%.
  • Life Insurance – Some companies give a break if you buy life insurance.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think you could get a free insurance coverage policy, it just doesn’t work that way.

Companies that may have these discounts are:

Check with each insurance company which discounts you may be entitled to. All car insurance discounts might not apply in every state.

Factors that might impact rates for a Pontiac Grand Prix

Smart consumers have a good feel for the factors that go into determining the price you pay for car insurance. Knowing what impacts premium levels empowers consumers to make smart changes that will entitle you to big savings.

Listed below are some of the items used by your company to calculate prices.

  • Your age impacts your rates – Older insureds are more responsible, file fewer claims and receive fewer citations. Young drivers tend to be careless and easily distracted when behind the wheel therefore car insurance rates are much higher.
  • Extra coverages can waste money – There are a ton of extra bells and whistles that you can buy on your car insurance policy. Things like roadside assistance, towing coverage and membership fees may be wasting your money. They may seem good when talking to your agent, but your needs may have changed so remove them from your policy.
  • Lower miles equals lower premium – The more you drive every year the more you will pay for car insurance. Most companies apply a rate based upon how you use the vehicle. Cars and trucks not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. An improperly rated Grand Prix can cost quite a bit. Ask your agent if your car insurance policy is rated on the correct driver usage, because improper ratings can cost you money.
  • More people means more accidents – Being located in small towns and rural areas can save you money when talking about car insurance. City drivers have to deal with traffic congestion and much longer commute distances. Fewer drivers means fewer accidents and a lower car theft rate.
  • Credit scores impact car insurance rates – A driver’s credit score is a big factor in calculating your car insurance rates. Drivers with good credit tend to file fewer claims and have better driving records than drivers with lower credit scores. Therefore, if your credit rating is low, you could potentially save money when insuring your 1991 Pontiac Grand Prix by improving your credit score.
  • Don’t let your coverage lapse – Allowing your car insurance policy to lapse will be a guaranteed way to increase your car insurance rates. Not only will rates go up, but being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license.Then you may be required to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Your spouse saves you money – Getting married actually saves money on car insurance. Marriage means you’re more mature and it’s proven that married couples file fewer claims.
  • Safer occupants lowers premiums – Vehicles with high crash test scores are cheaper to insure. The safest vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your Pontiac earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different so this has to be addressed. For example, these questions can aid in determining if your situation may require specific advice.

  • Are my tools covered if they get stolen from my vehicle?
  • Am I insured when driving a different vehicle?
  • Do I pay less for low miles?
  • Does coverage extend to a rental car in a foreign country?
  • Do I have coverage when pulling a U-Haul trailer?
  • Should I waive the damage coverage when renting a car?
  • What can I do if my company denied a claim?
  • Why does it cost so much to insure a teen driver?
  • How much liability insurance is required?
  • Do I need more liability coverage?

If you’re not sure about those questions then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and may give you better protection.

Is there deception in advertising?

Consumers can’t get away from ads for cheaper car insurance by companies like 21st Century, Allstate and State Farm. All the ads have a common claim of big savings if you switch to them.

But how can every company claim to save you money? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of customer that makes them money. A good example of a profitable customer could be between the ages of 40 and 55, a clean driving record, and drives newer vehicles. Any new insured who fits that profile will get very good rates and most likely will save when switching.

Potential customers who don’t measure up to these standards will be quoted higher prices and this can result in the driver buying from a lower-cost company. The ads say “customers who switch” not “everyone that quotes” save that much money. This is how companies can truthfully advertise the way they do. This emphasizes why you absolutely need to get as many quotes as possible. It’s just too difficult to predict which car insurance company will have the lowest Pontiac Grand Prix insurance rates.

Parts of your car insurance policy

Understanding the coverages of your car insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages offered by car insurance companies.

Auto liability

Liability coverage protects you from injuries or damage you cause to people or other property in an accident. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as bail bonds, medical expenses, medical services, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1991 Pontiac Grand Prix.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a broken windshield, theft and hail damage. The highest amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage protection

Collision insurance pays for damage to your Grand Prix from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like backing into a parked car, hitting a parking meter, hitting a mailbox, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as prosthetic devices, nursing services, pain medications and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Make a quick buck

We’ve covered a lot of information how to lower your 1991 Pontiac Grand Prix insurance rates. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. These smaller insurers may only write in your state and offer lower rates as compared to the big name companies such as Allstate or State Farm.

Budget-conscious insurance is definitely available online and also from your neighborhood agents, and you should be comparing both to have the best selection. Some auto insurance companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

More detailed auto insurance information can be read in the articles below: