2005 Pontiac Grand Prix Car Insurance Quotes – 5 Discounts for Cheaper Rates

Searching for lower car insurance rates? Consumers have a choice when looking for the best price on Pontiac Grand Prix insurance. They can either spend hours calling around trying to get quotes or use the internet to compare rates.

There are more efficient ways to buy car insurance so you’re going to learn the proper way to compare rates on a Pontiac and find the lowest price from both online companies and local agents.

The purpose of this post is to help educate you on how car insurance quotes work and some money-saving tips. If you have car insurance now, you will be able to reduce your rates substantially using these techniques. Drivers just need to know the tricks to shop online.

Companies offer discounts so take them!

Insuring your vehicles can cost a lot, but there could be available discounts that you may not know about. Certain discounts will be triggered automatically at the time of purchase, but less common discounts must be asked about before you will receive the discount. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for Grand Prix coverage with select insurance companies.
  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims prior to the accident.
  • College Student – Kids in college who live away from home without a vehicle on campus may be able to be covered for less.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Memberships – Affiliation with a professional or civic organization could qualify you for a break when shopping for auto insurance for Grand Prix coverage.

Drivers should understand that most of the big mark downs will not be given the the whole policy. Most cut specific coverage prices like comp or med pay. Just because it seems like it’s possible to get free car insurance, companies don’t profit that way. Any amount of discount will cut the cost of coverage.

Car insurance companies who might offer these money-saving discounts include:

Before buying, ask each company which discounts they offer. Some discounts may not be available in your area.

How to Buy Insurance Coverage Online

There are a variety of methods to shop for 2005 Pontiac Grand Prix insurance coverage, but some are less time-consuming than others. You could waste time driving to agents in your area, or you could use the internet to quickly compare rates.

Many companies participate in a marketplace where prospective buyers complete one form, and each participating company then returns a price quote based on that information. This eliminates the need for quote requests to every company. To submit your quote information now, click here (opens in new window).

One minor caviat to comparing rates this way is you can’t choose which companies to receive prices from. So if you prefer to pick from a list of companies for rate comparison, we have a page of insurance coverage companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but be sure to compare apples-to-apples quote information with every price quote. If you are comparing unequal deductibles or liability limits then you won’t be able to determine the best price for your Pontiac Grand Prix.

Do I just need basic coverages?

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining whether your personal situation would benefit from professional advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Will my rates increase for filing one claim?
  • Are my friends covered when driving my 2005 Pontiac Grand Prix?
  • What is medical payments coverage?
  • Do I need an umbrella policy?
  • Can I get a multi-policy discount?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, complete this form. It is quick, free and may give you better protection.

Do car insurance companies bend the truth?

Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like Progressive, GEICO, Allstate and State Farm. All the ads make the same claim that you can save if you move to them.

How does each company make almost identical claims? It’s all in the numbers.

Insurance companies have a preferred profile for the type of customer they prefer to insure. For example, a driver they prefer could be a mature driver, a clean driving record, and has excellent credit. A driver who meets those qualifications will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Consumers who don’t qualify for the requirements must pay a more expensive rate and ends up with the customer not buying. The ads state “customers who switch” not “everybody who quotes” save money. That is how companies can state the savings.

This illustrates why it is so important to compare many company’s rates. It’s impossible to know which company will have the lowest Pontiac Grand Prix insurance rates.

What insurance coverages do you need?

Having a good grasp of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Liability – This coverage can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like medical expenses, legal defense fees, repair costs for stationary objects, bail bonds and loss of income. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as theft, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverages – This pays for damage to your Grand Prix resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with a tree, rolling your car and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for bills for prosthetic devices, hospital visits, EMT expenses, nursing services and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Feed the piggy bank

We covered a lot of techniques to reduce 2005 Pontiac Grand Prix insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even find the best prices are with a lesser-known regional company.

When shopping online for auto insurance, do not reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits only to regret that it was a big mistake. The aim is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Cheap insurance is attainable from both online companies as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who don’t offer online price quotes and these small, regional companies work with independent agents.

For more information, feel free to browse the resources below: