Cheaper 1995 Pontiac Grand Prix Car Insurance Rates

Want the cheapest insurance rates for your Pontiac Grand Prix? Are you tired of paying out the nose to pay your insurance bill each month? You are in the same boat as millions of other drivers.

Due to the large number of options, it can be impossible to pick the lowest cost insurance company.

Compare quotes for auto insurance

Most larger insurance companies like State Farm and Allstate provide insurance quotes on the web. Obtaining pricing is fairly straightforward because you just enter your coverage information into a form. Once you submit the form, their quoting system automatically retrieves reports for credit and driving violations and returns a price. Online price quotes streamlines rate comparisons, but the process of having to visit each company’s website and repetitively type in your information is a big time waster. But it’s also necessary to get many rate quotes in order to find the lowest auto insurance rates.

An easier way to find cheaper rates requires only one form that gets price quotes from a lot of companies. This type of form saves time, reduces the work, and makes online quotes much more enjoyable and efficient. As soon as the form is sent, your coverage is rated and you can choose any one of the resulting price quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. The whole process takes 15 minutes at the most and you will know how your current rates stack up.

In order to fill out one form to compare multiple rates now, click here to open in a new tab and complete the simple form. If you have coverage now, it’s recommended that you enter deductibles and limits identical to your current policy. This helps ensure you will get a fair comparison for similar coverage.

Get cheap insurance coverage with discounts

Insurance coverage is not an enjoyable expense, but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be applied when you complete an application, but less common discounts must be specially asked for prior to receiving the credit.

  • Telematics Data – People who choose to allow driving data collection to spy on their driving habits by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they are good drivers.
  • Policy Bundle Discount – When you have multiple policies with one company you could get a discount of up to 20% and get you the cheapest insurance coverage.
  • Discounts for Multiple Vehicles – Buying a policy with more than one vehicle on a single policy qualifies for this discount.
  • One Accident Forgiven – This one is not really a discount per se, but companies like Allstate, State Farm and GEICO permit an accident without raising rates if your claims history is clear for a set time period.
  • Accident-Free Discounts – Insureds with no claims or accidents pay much less when compared with accident-prone drivers.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to take driver’s ed class as it will make them better drivers and lower rates.

While discounts sound great, it’s important to understand that some of the credits will not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like you can get free auto insurance, company stockholders wouldn’t be very happy. Any qualifying discounts will definitely lower your policy premiums.

To locate companies who offer discounts, click here to view.

Tailor your insurance coverage to you

When buying proper insurance coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that might help in determining if you will benefit from professional help.

  • Do I have any recourse if my insurance company denies a claim?
  • How can I get high-risk coverage after a DUI?
  • Should I waive the damage coverage when renting a car?
  • Is upholstery damage covered by car insurance?
  • What is PIP insurance?
  • Am I covered when driving on a suspended license?
  • Should I have combined single limit or split liability limits?
  • I have a DUI can I still get coverage?
  • Can my teen driver be rated on a liability-only vehicle?

If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

The coverage is in the details

Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. These are the normal coverages found on most auto insurance policies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like dental work, hospital visits and chiropractic care. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage

This coverage protects you from damage that occurs to a person or their property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like pain and suffering, emergency aid and structural damage. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Comprehensive coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as fire damage, damage from getting keyed, hail damage and rock chips in glass. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

This covers damage to your Grand Prix resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with another moving vehicle, hitting a parking meter, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Pontiac Grand Prix.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Be a smart shopper

We’ve covered quite a bit of information on how to shop for 1995 Pontiac Grand Prix insurance online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the best rates are with a small mutual company. They may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as Allstate or State Farm.

As you go through the steps to switch your coverage, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where drivers have reduced comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. The aim is to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.

Some insurance providers don’t offer online quoting and many times these regional carriers provide coverage only through local independent agents. Budget-friendly insurance is definitely available both online and with local insurance agents, so you need to compare both in order to have the best chance of saving money.

Additional information is available at the links below