2001 Pontiac Grand Prix Insurance Cost

Car insurance shopping is not something car owners enjoy doing, but unfortunately it’s required to be legal behind the wheel.

It’s a good habit to get comparison quotes yearly because rates trend upward over time. Just because you found the lowest price for Grand Prix insurance a few years ago you can probably find a better price now. Starting right now, forget all the misinformation about auto insurance because you’re going to learn the easiest way to save on auto insurance.

Finding affordable coverage is easy if you know what you’re doing. If you currently have car insurance, you will be able to save some money using this strategy. Nevertheless, vehicle owners do need to know the way insurance companies market insurance on the web and use this information to your advantage.

Insurance Comparison Rates

All the larger insurance companies provide coverage price quotes directly from their websites. Getting online rates is pretty painless as you simply type in the coverage amounts you desire into a form. After the form is submitted, their system pulls credit information and your driving record and returns a price quote determined by many factors.

Quoting online makes it a lot easier to compare rates but the work required to visit a lot of sites and type in the same information can be a bit tiresome and repetitive. Unfortunately, it is important to get many rate quotes in order to find a lower rate.

An easier way to locate the lowest prices makes use of a single form that gets prices from several companies at one time. The form is fast, reduces the work, and makes comparison shopping much simpler. After your information is entered, it is rated with multiple companies and you can pick any or none of the quotes that you receive. If the quotes result in lower rates, you simply finish the application and purchase coverage. This process takes just a few minutes to complete and may save quite a bit of money.

In order to use this form to compare rates, simply click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you enter deductibles and limits identical to your current policy. Doing this assures you are getting a price comparison based on the exact same insurance coverage.

How much can you save with discounts?

Car insurance companies don’t always advertise every available discount in an easy-to-find place, so the following is a list of both well-publicized and also the lesser-known ways to save on insurance coverage.

  • Resident Student – Any of your kids who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount for Grand Prix insurance depending on your company.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out life insurance from them.
  • Memberships – Belonging to certain professional organizations could trigger savings on insurance coverage for Grand Prix insurance.
  • Safety Course Discount – Successfully completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you could get a free insurance coverage policy, you’re out of luck.

For a list of companies offering insurance coverage discounts, click this link.

How much car insurance do I need?

When it comes to buying coverage, there really is not a perfect coverage plan. Each situation is unique.

Here are some questions about coverages that might point out whether your personal situation may require specific advice.

  • Is extra glass coverage worth it?
  • Where can I find DUI or SR-22 insurance?
  • What is no-fault insurance?
  • Is my camper covered by my car insurance policy?
  • Do I have coverage if my license is suspended?
  • How much underlying liability do I need for an umbrella policy?
  • Do I need higher collision deductibles?
  • What is the rate difference between pleasure use and commuting?
  • What can I do if my company denied a claim?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form.

Car insurance coverages for a 2001 Pontiac Grand Prix

Understanding the coverages of car insurance aids in choosing the best coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Liability auto insurance – Liability coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as medical services, structural damage, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for surgery, pain medications and dental work. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverages – This coverage pays for damage to your Grand Prix caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sideswiping another vehicle, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive protection – This pays to fix your vehicle from 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 can pay for claims such as a broken windshield, hail damage, vandalism, damage from getting keyed and hitting a bird. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.