1993 Pontiac Grand Prix Car Insurance Quotes – 7 Tips for Cheaper Rates

Are you drained from robbing Peter to pay Paul to pay high car insurance rates every month? Your situation is no different than many other people. People have many car insurance companies to pick from, and although it’s a good thing to have multiple companies, more choices can make it harder to find the lowest rates.

Compare quotes for auto insurance

Getting a cheaper price on 1993 Pontiac Grand Prix insurance can be quick and easy. You just have to take a couple of minutes comparing rates provided by online insurance companies. You can get a good selection of rate quotes by following the guidelines below.

  • One of the best ways to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This form prevents you from having to do multiple quote forms for each price estimate. One simple form will return price quotes from auto insurance companies with the best prices.
  • A more difficult way to get quotes online requires a visit to the website of each company and complete a new quote form. For sake of this example, we’ll assume you want to view quotes from Liberty Mutual, Esurance and State Farm. You would be required to go to every website to input your insurance information, and that explains why we recommend the first method.

    For a list of companies in your area, click here.

It’s your choice how you get your quotes, but compare identical coverage data with each company. If you are comparing unequal deductibles or liability limits you can’t possibly make a fair rate comparison.

Be skeptical of insurance ads

Drivers constantly see and hear ads for the lowest price insurance from the likes of GEICO, State Farm and Progressive. All the companies try to convey promises about how much you will save if you change your policy.

How does every insurance company save you money?

Insurance providers offer their best rates for the type of driver that will most likely be profitable. One example of this type of driver could be between the ages of 30 and 45, has no tickets, and has a short commute. Any new insured who fits that profile may get the lowest rates and have a good chance to cut their rates if they switch.

People who do not fit the requirements may receive higher premium rates with the end result being business going elsewhere. If you listen to the ad wording, they say “customers who switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way companies can truthfully make the claims of big savings. That is why drivers must compare free car insurance quotes often. It is impossible to predict with any certainty which company will fit your personal profile best.

Are you earning every discount?

Car insurance is neither fun to buy or cheap, but there’s a good chance there are discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of purchase, but some discounts are required to be manually applied prior to receiving the credit.

  • Multiple Policy Discount – If you have multiple policies with one insurance company you could save up to 20% and get you inexpensive car insurance.
  • Responsible Driver Discount – Insureds who avoid accidents can save as much as half off their rates on Grand Prix coverage as compared to drivers with claims.
  • Theft Deterent Discount – Vehicles equipped with tracking devices and advanced anti-theft systems can help prevent theft and will qualify for a discount on a car insurance quote.
  • Government Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease on Grand Prix coverage depending on your company.
  • Low Mileage – Low annual miles may enable drivers to earn slightly better prices than normal.
  • Multi-car Discount – Insuring primary and secondary vehicles on a single policy could earn a price break for each car.
  • No Claims – Drivers with accident-free driving histories get the best car insurance rates as opposed to accident-prone drivers.

Discounts save money, but please remember that some credits don’t apply to your bottom line cost. Most only cut the cost of specific coverages such as comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will reduce your car insurance premiums.

The best car insurance companies and their offered discounts can be read below.

  • American Family may offer discounts for mySafetyValet, Steer into Savings, good driver, TimeAway discount, bundled insurance, good student, and multi-vehicle.
  • Nationwide includes discounts for easy pay, defensive driving, Farm Bureau membership, business or organization, anti-theft, and accident-free.
  • MetLife has savings for defensive driver, good driver, claim-free, multi-policy, good student, accident-free
  • 21st Century offers discounts including automatic seat belts, homeowners, anti-lock brakes, theft prevention, and 55 and older.
  • Farmers Insurance policyholders can earn discounts including switch companies, early shopping, good student, multi-car, and homeowner.
  • Allstate discounts include resident student, utility vehicle, good student, good payer, and early signing.

When getting free car insurance quotes, it’s a good idea to each company which discounts you may be entitled to. Some discounts may not apply to policyholders everywhere.

When in doubt talk to an agent

When buying adequate coverage, there is no cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help highlight if your situation might need professional guidance.

  • When do I need to add a new car to my policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does coverage extend to my business vehicle?
  • Can I make deliveries for my home business?
  • Am I getting all the discounts available?
  • Should I buy additional glass protection?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Car insurance coverages and their meanings

Learning about specific coverages of car insurance helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages found on most car insurance policies.

Collision coverage protection

This coverage covers damage to your Grand Prix from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like crashing into a ditch, hitting a mailbox, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for funeral costs, hospital visits, chiropractic care and prosthetic devices. 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 as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, damage from a tornado or hurricane, damage from flooding, hitting a deer and rock chips in glass. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Pontiac Grand Prix.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Liability coverage

Liability coverage provides protection from damage or injury you incur to a person or their property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as loss of income, attorney fees and repair costs for stationary objects. How much coverage you buy is your choice, but buy as much as you can afford.

Buy Smart and Save

Budget-friendly insurance coverage can be found online as well as from insurance agents, and you should compare rates from both so you have a total pricing picture. There are still a few companies who do not provide the ability to get a quote online and most of the time these smaller companies prefer to sell through independent agencies.

When buying insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.

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