Cheaper 2006 Pontiac Grand Prix Insurance Rates

Looking for cheaper insurance coverage rates? Shoppers have options when shopping for the lowest priced Pontiac Grand Prix insurance. You can either spend your time struggling with agents getting price quotes or leverage the internet to get rate quotes. There is a better way to shop for insurance coverage and we’ll show you the best way to quote coverages for a Pontiac and get the lowest possible price from local insurance agents and online providers.

Cheap Insurance Comparisons

Finding a lower price on 2006 Pontiac Grand Prix insurance is actually quite simple. Consumers just need to spend a little time comparing rate quotes online with multiple companies. This is very easy and can be done in a couple of different ways.

  1. The fastest way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This form keeps you from doing separate quote forms for each company. A single form will get you rate comparisons from all major companies.It’s the quickest way to get rates.
  2. A different way to compare rate quotes is to manually visit the website for every company you want to comare and fill out their own quote form. For instance, we’ll pretend you want comparison quotes from Liberty Mutual, Safeco and GMAC. To get each rate you have to go to every website to enter your coverage information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, make absolute certain that you use identical coverage limits and deductibles for every quote you compare. If you have mixed coverages it will be next to impossible to make a fair comparison for your Pontiac Grand Prix.

Do you qualify for discounts?

Car insurance companies don’t always list all their discounts in a way that’s easy to find, so here is a list some of the more common and the more hidden discounts you could be receiving. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • E-sign – Certain companies give back up to $50 just for signing your application over the internet.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Grand Prix coverage than less cautious drivers.
  • Low Mileage – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance from them.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because maintaining a house shows financial diligence.
  • New Vehicle Savings – Insuring a new car can save up to 30% compared to insuring an older model.
  • Claim Free – Good drivers with no accidents can save substantially when compared to accident-prone drivers.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.

It’s important to note that most discount credits are not given the the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way.

Companies that may have these money-saving discounts include:

Check with each company what discounts are available to you. Savings might not be offered in your area.

These factors can influence Pontiac Grand Prix insurance rates

Smart consumers have a good feel for the factors that play a part in calculating the rates you pay for insurance. Knowing what influences your rates allows you to make educated decisions that could result in big savings.

Shown below are a few of the “ingredients” companies use to determine premiums.

  • More than one policy can earn a discount – The majority of insurance companies provide better rates to insureds who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s in your best interest to compare other company rates to make sure you are getting the best deal. Consumers may find a better deal by insuring with multiple companies.
  • Choose a safe vehicle and save – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles result in less severe injuries and better occupant protection means less money paid by your insurance company and more competitive rates for policyholders. If your Pontiac is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Older drivers pay less – More mature drivers tend to be more responsible, file fewer claims and get fewer tickets. Youthful drivers tend to be more careless when driving and because of this, their insurance rates are much higher.
  • Lower rates with optional equipment – Purchasing a vehicle with a theft deterrent system can get you a discount on your insurance. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping auto theft.

Don’t assume everyone needs the same coverage

When buying the best insurance coverage for your personal vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if your insurance needs could use an agent’s help.

  • What is an SR-22 filing?
  • Should I rate my 2006 Pontiac Grand Prix as pleasure use or commute?
  • Do I have coverage when making deliveries for my home business?
  • How high should my uninsured/underinsured coverage be in my state?
  • How does medical payments coverage work?
  • Am I covered when driving on a suspended license?
  • Why am I required to buy high-risk coverage?
  • Does my insurance cover a custom paint job?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Educate yourself about insurance coverages

Learning about specific coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a bird, hitting a deer, falling objects, theft and a tree branch falling on your vehicle. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

Collision insurance will pay to fix damage to your Grand Prix caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a mailbox, damaging your car on a curb, scraping a guard rail and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for bills such as nursing services, EMT expenses and doctor visits. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Auto liability insurance

Liability coverage protects you from injuries or damage you cause to a person or their property that is your fault. This coverage protects you from legal claims by others, and doesn’t 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. Your policy might show policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as loss of income, repair bills for other people’s vehicles, attorney fees, legal defense fees and medical expenses. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Don’t break the bank

Drivers leave their current company for a number of reasons such as an unsatisfactory settlement offer, extreme rates for teen drivers, delays in paying claims or high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new company can be less work than you think.

In this article, we presented some good ideas how you can save on 2006 Pontiac Grand Prix insurance. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising.

When buying insurance coverage, it’s very important that you do not reduce needed coverages to save money. There are many occasions where someone dropped full coverage only to discover later that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at the best price.

To read more, take a look at the following helpful articles: