Save on 1990 Pontiac Grand Prix Car Insurance Rates

Locating low-cost insurance for a Pontiac Grand Prix can normally be an all-consuming task, but you can learn our insurance coverage buying tips to make it easier. There are both good and bad ways to compare insurance coverage rates so you’re going to learn the quickest way to compare rates for your Pontiac and get the cheapest rates either online or from local insurance agents.

You should make it a habit to price shop coverage before your policy renews due to the fact that insurance prices change frequently. Even if you got the best rates for Grand Prix coverage last year you can probably find a better premium rate now. Ignore everything you know about insurance coverage because we’re going to demonstrate the easiest way to find the best coverage while lowering your premiums.

How insurance providers calculate Pontiac Grand Prix insurance rates

An important part of buying insurance is that you know a few of the rating criteria that come into play when calculating your policy premiums. If you know what influences your rates, this enables informed choices that can earn you much lower annual insurance costs.

The following are some of the most rate-impacting factors used by insurance companies to determine your rates.

  • No policy claims equals lower insurance rates – Car insurance companies award most affordable rates to policyholders who do not file claims often. If you are a frequent claim filer, you can pretty much guarantee increased rates or even have your policy non-renewed. Your car insurance is intended for major claims that would cause financial hardship.
  • Marriage is a bonus – Having a significant other may save some money on your insurance policy. It is viewed as being more financially stable and statistics prove drivers who are married file infrequent claims.
  • Discounts for auto and home policies – Most larger insurers allow a discount for people that purchase more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount drivers will still want to compare other company rates to confirm you are receiving the best rates possible.
  • Drivers with excellent credit save – Credit score is a big factor in calculating your insurance rates. If your credit score is not that good, you may save money insuring your 1990 Pontiac Grand Prix by taking the time to improve your credit score. People that have excellent credit scores tend to file fewer claims and have better driving records than drivers with bad credit.
  • Vocation impacts rates – Did you know your insurance rates can be affected by your occupation? Careers such as real estate brokerspolice officers and accountants generally have higher rates than the rest of us due to stressful work requirements and lengthy work days. On the other hand, jobs such as scientists, engineers and the unemployed have lower than average premiums for Grand Prix coverage.

How to compare car insurance rate quotes

Comparing car insurance rates can be a lot of work if you don’t utilize the best way to get rate quotes. You can waste hours discussing policy coverages with local insurance agents in your area, or you can stay home and use the web to accomplish the same thing much quicker.

Most of the best insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and every company returns a rated price. This system prevents you from having to do repetitive form submissions to every company.

To compare rates now click to open in new window.

The one downside to pricing coverage this way is you don’t know exactly which insurance companies to receive prices from. So if you prefer to pick from a list of companies to receive pricing from, we have a page of low cost car insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just make darn sure you compare exactly the same coverages and limits for each comparison quote. If you are comparing different deductibles it will be very difficult to determine the best price for your Pontiac Grand Prix.

Can you really save that much by switching?

Consumers can’t escape the ads that claim the best premium rates by GEICO, State Farm and Progressive. All the companies advertise the message of big savings if you just switch to them.

How does every insurance company give you a better price?

All the different companies are able to cherry pick for the driver that will not have excessive claims. One example of this type of insured might be described as between 25 and 40, has had continuous coverage, and drives newer vehicles. Anyone who fits that profile is entitled to the best price as well as save quite a bit of money when switching.

People who may not quite match those criteria will probably have to pay higher prices and this can result in the customer not buying. If you pay attention, the ads say “customers that switch” but not “everyone who gets a quote” save that much money. This is how insurance companies can advertise the way they do. Because of these techniques, it is so important to do a quote comparison often. It is impossible to guess which insurance companies will give you the biggest savings.

Auto insurance companies offer lots of discounts

Insurance can cost an arm and a leg, but companies offer discounts that can drop the cost substantially. Many of these discounts will be applied automatically when you purchase, but some discounts are required to be asked for prior to getting the savings.

  • Own a Home – Simply owning a home may trigger a policy discount on auto insurance because maintaining a house is proof of financial responsibility.
  • Distant Student – Youth drivers who attend college more than 100 miles from home and leave their car at home could get you a discount.
  • Claim-Free Discount – Drivers who don’t have accidents can earn big discounts compared to insureds who have frequent claims or accidents.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Policy Bundle Discount – If you can combine your auto and home policy with the same company you may save 10% to 20% off each policy.
  • Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn cheaper prices.
  • E-sign Discounts – Many auto insurance companies will discount your bill up to fifty bucks for buying your policy on the internet.
  • Mature Driver Discount – If you qualify as a senior citizen, you can possibly qualify for a small discount on rates for Grand Prix coverage.

Keep in mind that some of the credits will not apply the the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way.

Car insurance companies who might offer most of the discounts above may include but are not limited to:

Before you buy a policy, ask every insurance company which discounts can lower your rates. All car insurance discounts might not be offered in your area. To view auto insurance companies that provide some of the discounts listed above, click here.

Do I just need basic coverages?

When buying adequate coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining whether you could use an agent’s help.

  • Will filing a claim cost me more?
  • What if I total my 1990 Pontiac Grand Prix and owe more than it’s worth?
  • Is my cargo covered for damage or theft?
  • What discounts do I qualify for?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered when pulling a rental trailer?
  • Where can I find DUI or SR-22 insurance?
  • Does liability extend to a camper or trailer?
  • Does my insurance cover a custom paint job?
  • How many claims can I have before being cancelled?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Coverages available on your insurance policy

Knowing the specifics of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like surgery, funeral costs, pain medications and ambulance fees. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, hitting a bird, vandalism and hitting a deer. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for collisions

This covers damage to your Grand Prix caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as rolling your car, crashing into a ditch, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Liability coverages

This protects you from damage that occurs to a person or their property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, 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 claims like emergency aid, funeral expenses, medical expenses, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Have the Midas touch

As you restructure your insurance plan, it’s a bad idea to skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage for the lowest price and still be able to protect your assets.

Some insurance companies may not provide online rate quotes and many times these regional insurance providers only sell through local independent agencies. Discount 1990 Pontiac Grand Prix insurance can be purchased both online and with local insurance agents, and you need to price shop both so you have a total pricing picture.

We just covered a lot of information how to get a better price on 1990 Pontiac Grand Prix insurance. It’s most important to understand that the more companies you get premium rates for, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from a small mutual company.

Additional information is located on the following sites: