Cheaper 1998 Pontiac Grand Prix Insurance Rates

Searching for the cheapest car insurance rates for your Pontiac Grand Prix? Price shopping your car insurance is nearly impossible for consumers new to comparing rates online. Drivers have so many choices that it can be a real challenge to find the best price.

It’s a good habit to price shop coverage occasionally because insurance rates trend upward over time. Just because you had the lowest price for Grand Prix coverage a few years ago other companies may now be cheaper. Ignore everything you know about car insurance because I’m going to let you in on the secrets to how to use the internet to get good coverage at a lower rate.

If you are paying for car insurance now, you should be able to reduce your rates substantially using these techniques. Pricing cheaper protection is easy if you know what you’re doing. Nevertheless, car owners must learn the way insurance companies price insurance differently and use this information to your advantage.

Comparison of Auto Insurance

Performing a rate comparison can be challenging if you don’t understand the easiest way. You could waste a few hours talking about coverages with insurance companies in your area, or you can utilize online quotes to quickly compare rates.

Many of the larger companies enroll in a system that allows shoppers to enter their policy data once, and every company can give them a price. This saves time by eliminating repetitive form submissions to each company. To compare 1998 Pontiac Grand Prix rates now click to open in new window.

The single downside to getting quotes like this is that consumers can’t choose which carriers to get quotes from. So if you prefer to choose specific insurance companies to receive pricing from, we put together a list of auto insurance companies in your area. Click to view list.

Which method you use is up to you, but double check that you are using apples-to-apples coverage limits on every quote. If your comparisons have differing limits it will be next to impossible to make a fair comparison for your Pontiac Grand Prix. Slightly different insurance coverages can make a big difference in price. Keep in mind that getting more free quotes will enable you to find a better price.

The insurance coverage bait and switch

Insurance coverage providers like Progressive, GEICO, Allstate and State Farm constantly bombard you with television and radio advertisements. They all say the same thing that you’ll save big if you switch to their company. How can each company claim to save you money? It’s all in the numbers.

Insurance companies can use profiling for the type of customer that makes them money. A good example of a profitable customer could possibly be between 30 and 50, a clean driving record, and drives newer vehicles. A driver who fits that profile receives the best rates and is almost guaranteed to save when switching.

Potential insureds who fall outside the “perfect” profile will be quoted higher premiums which usually ends up with business not being written. The ad wording is “customers that switch” not “people who quote” save that much money. That’s why insurance companies can confidently claim big savings.

This emphasizes why you should quote coverage with many companies. It’s just too difficult to predict which insurance coverage company will give you the biggest savings on Pontiac Grand Prix insurance.

Parts of the Pontiac Grand Prix rate equation

Smart consumers have a good feel for some of the elements that come into play when calculating insurance coverage rates. Understanding what determines base rates empowers consumers to make smart changes that will entitle you to better insurance coverage rates.

  • Protect your assets with liability insurance – The liability section of your policy is the protection when a jury decides you are liable for damages from an accident. It will provide you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Save money with special equipment – Driving a car that has an advanced theft prevention system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
  • No coverage gaps is important – Allowing your insurance coverage policy to lapse will be a quick way to pay more for insurance coverage. And not only will insurance be more expensive, getting caught without coverage can result in a license revocation or jail time.You may have to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Do you need those extra coverages? – There are a ton of add-on coverages that you can buy when buying insurance coverage. Coverages for roadside assistance, towing coverage and motor club memberships may be costing you every month. They may seem good when talking to your agent, but if you don’t need them eliminate them to save money.

Lower rates by qualifying for discounts

Insurance can cost an arm and a leg, but there are discounts available to reduce the price significantly. Certain discounts will be triggered automatically when you quote, but less common discounts must be specially asked for before being credited.

  • 55 and Retired – Mature drivers may qualify for reduced rates for Grand Prix coverage.
  • One Accident Forgiven – A few companies will allow you to have one accident without raising rates if your claims history is clear prior to the accident.
  • Homeowners Discount – Owning a home can save you money because maintaining a house is proof that your finances are in order.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off your PIP or medical payments premium.
  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you may save up to 20% off your total premium.
  • Air Bag Discount – Factory air bags or automatic seat belts can qualify for discounts up to 30%.
  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more for Grand Prix coverage than drivers with accident claims.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off for Grand Prix coverage with select insurance companies.

Keep in mind that some of the credits will not apply to all coverage premiums. Most cut the price of certain insurance coverages like comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will bring down your overall premium however.

To see a list of providers with discount auto insurance rates, click here.

Car insurance is unique, just like you

When it comes to buying the best car insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different.

For example, these questions can help discover whether or not you could use an agent’s help.

  • Do I pay less for low miles?
  • When would I need rental car insurance?
  • Does my insurance cover a custom paint job?
  • Do I really need UM/UIM coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I benefit by insuring my home with the same company?
  • How much liability coverage do I need in my state?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.

Specific coverages for a Pontiac Grand Prix

Learning about specific coverages of a insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Auto liability insurance

This provides protection from damage or injury you incur to people or other property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover 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. Your policy might show liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like court costs, loss of income, funeral expenses and structural damage. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance coverage 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 claims like hitting a bird, damage from flooding, a broken windshield, damage from a tornado or hurricane and damage from getting keyed. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for EMT expenses, chiropractic care, pain medications, surgery and dental work. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Collision coverage protection

Collision coverage pays for damage to your Grand Prix caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, colliding with another moving vehicle, sideswiping another vehicle, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Shop. Compare. Save.

When buying insurance coverage, don’t be tempted to reduce coverage to reduce premium. In too many instances, drivers have reduced comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage at the best price while not skimping on critical coverages.

Insureds change insurance companies for a variety of reasons including policy cancellation, policy non-renewal, unfair underwriting practices or extreme rates for teen drivers. No matter why you want to switch, switching car insurance companies is less work than it seems.

Cheaper 1998 Pontiac Grand Prix insurance can be bought on the web in addition to many insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

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