Save on 1996 Pontiac Grand Prix Insurance Quotes

Looking for lower auto insurance rates for your Pontiac Grand Prix? Did a good deal turn out to be overpriced auto insurance? Don’t feel bad because there are many drivers thinking the same thing.

Multiple auto insurance companies compete for your business, and it can be difficult to compare rates and uncover the absolute best rate

You need to compare rates before your policy renews because insurance prices tend to go up over time. Just because you had the best quotes on Grand Prix insurance at your last renewal you may be paying too much now. Block out anything you think you know about auto insurance because you’re going to get a crash course in how to quote online to find lower rates on auto insurance.

If you are paying for car insurance now, you should be able to lower your premiums substantially using these methods. Buying car insurance is not rocket science. But drivers benefit from understanding the methods companies use to determine prices and apply this information to your search.

Lower rates by qualifying for discounts

Companies don’t always publicize the entire discount list in an easy-to-find place, so we took the time to find a few of the more well known as well as the least known credits available to bring down your rates.

  • First Accident Forgiveness – but a handful of insurance companies will let one accident slide without the usual rate increase if you are claim-free for a specific time period.
  • Student Driver Training – Have your child enroll and complete driver’s education in school or through a local driver safety program.
  • Discount for Multiple Policies – If you can bundle your home and auto insurance and insure them with the same company you could save up to 20% and get you affordable insurance.
  • Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Senior Citizen Rates – If you’re over the age of 55, you can get lower premium rates on Grand Prix insurance.
  • Discount for Low Mileage – Low mileage vehicles can qualify you for slightly better auto insurancerates than normal.
  • Good Student – Being a good student may save you up to 25%. This discount can apply well after school through age 25.
  • Safety Course Discount – Participating in a class that teaches driver safety techniques can save you 5% or more and also improve your driving technique.
  • Service Members Pay Less – Being deployed in the military could be rewarded with lower prices.

As a disclaimer on discounts, some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like you can get free auto insurance, it’s just not the way it works. But all discounts will definitely reduce your overall bill.

A few of the larger companies and some of the discounts can be read below.

  • GEICO policyholders can earn discounts including seat belt use, driver training, membership and employees, emergency military deployment, multi-vehicle, defensive driver, and air bags.
  • Auto-Owners Insurance offers discounts including company car, multiple vehicles, anti-theft, good student, paid in full, and safe vehicle.
  • American Family has savings for good student, mySafetyValet, defensive driver, accident-free, early bird, Steer into Savings, and air bags.
  • Esurance may offer discounts for Switch & Save, anti-theft, safety device, paid-in-full, good student, and online quote.
  • Progressive discounts include online quote discount, multi-policy, homeowner, multi-vehicle, and continuous coverage.
  • State Farm may have discounts that include Steer Clear safe driver discount, multiple autos, driver’s education, good student, passive restraint, and accident-free.
  • AAA includes discounts for pay-in-full, good student, good driver, AAA membership discount, and multi-policy.

If you are trying to find cheap insurance quotes, ask all companies you are considering to apply every possible discount. Some credits may not apply everywhere. To view providers who offer online auto insurance quotes, click here.

Insurance quotes comparison

Most larger insurance companies provide price estimates direct online. Getting online rates is quite simple as you simply type in your personal and coverage information as detailed in the form. When complete, the company’s rating system automatically retrieves your driving record and credit report and returns a price based on these and other factors. Quoting online makes it a lot easier to compare rates but the process of having to visit several different sites and enter the same data into a form is repetitive and time-consuming. But it’s also necessary to perform this step in order to get the best price on insurance.

The smarter way to locate the lowest prices uses one simple form that analyzes rates from several different companies. It saves time, helps eliminate reptitive entry, and makes quoting online a lot less work. After your information is entered, it is quoted with multiple companies and you can pick your choice of the quote results.

If a lower price is quoted, it’s easy to complete the application and buy the new coverage. This process takes 15 minutes at the most and can result in significant savings.

In order to get comparison pricing now, click here to open in a new tab and fill out the form. If you have a policy now, it’s recommended you duplicate the coverage information as shown on your current policy. Using the same limits helps guarantee you will have a price comparison for similar insurance coverage.

Insurance premium influencing factors

The best way to find cheaper insurance coverage is to take a look at some of the factors that help determine the level of your policy premiums. If you know what determines base rates, this allows you to make educated decisions that can help you get cheaper rates. Multiple criteria are used when pricing auto insurance. Most are fairly basic such as your driving history, but others are less obvious such as whether you are married or your financial responsibility.

  • Extra coverages that may not be needed – Policies have optional add-on coverages that can waste your money if you don’t pay attention. Insurance for rental car reimbursement, towing coverage, and extra equipment coverage could be just wasting money. They may seem good initially, but if you have no use for them eliminate the coverages to reduce your premium.
  • Driver age impacts premiums – Inexperience drivers are statistically proven to be more careless in a vehicle so they pay higher insurance coverage rates. Adding a teenage driver to your policy will cause a huge premium hike. More experienced drivers are shown to be more cautious, are lower risk to insure .
  • Your location is a factor – Residing in a small town may provide you with better prices if you are looking for the lowest rates. Drivers in populated areas regularly have much more traffic and longer commute times. Less people living in that area means less chance of accidents and a lower car theft rate.
  • Vehicle features can affect prices – Selecting a car model with anti-theft technology or alarm system can earn a premium discount. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.
  • Your stress level may be raising your prices – Jobs like lawyersair traffic controllers and dentists tend to have higher premium rates attributed to intense work situations and lots of time spent away from family. On the flip side, occupations such as professors, engineers and the unemployed get better rates on Grand Prix insurance.
  • Raise coverage deductibles and save – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Pontiac. Examples of some claims that would be covered are a broken side mirror, hitting a deer, and damage from a fallen tree branch. Comp and collision deductibles are the amount of money you are willing to pay out-of-pocket if the claim is covered. The more money you choose to pay out-of-pocket, the lower your rates will be on Grand Prix insurance.
  • No insurance coverage policy gaps is important – Allowing your coverage to lapse is a fast way to drive up your policy premiums. And not only will insurance be more expensive, getting caught without coverage may result in fines and jail time.

Insurance coverage is unique, just like you

When choosing coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might point out whether or not you will benefit from professional help.

  • If my 1996 Pontiac Grand Prix is totaled, can I afford another vehicle?
  • What discounts do I qualify for?
  • How many claims can I have before being cancelled?
  • Am I covered when pulling a rental trailer?
  • Do I have coverage when making deliveries for my home business?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Should I buy additional glass protection?
  • Do I need special endorsements for business use of my vehicle?
  • How much liability insurance is required?
  • Is other people’s property covered if stolen from my vehicle?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Do insurance coverage companies bend the truth?

Respected companies like State Farm, GEICO and Progressive seem to constantly run television, radio, and online ads. All the companies have a common claim of big savings if you switch your coverage to them. That’s great but how can every company save you money? This is the way they can do it.

Most companies quote their cheapest rates for the right customer that earns them the highest profit. One example of a desirable risk could be between 30 and 50, has no driving citations, and chooses high deductibles. Any person that meets those criteria will probably get the lowest car insurance rates and is almost guaranteed to save a lot if they switch.

Insureds who do not fit those standards will have to pay a higher premium which leads to the customer not buying. The ads say “drivers who switch” not “everyone who quotes” save that much money. That’s why companies can truthfully make the claims of big savings.

Because of the profiling, it’s extremely important to compare free insurance quotes often. Because you never know which insurance companies will be your best fit.

Insurance coverage considerations

Understanding the coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average insurance policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as vandalism, hail damage and rock chips in glass. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses like prosthetic devices, doctor visits, EMT expenses and pain medications. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to 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 is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

This coverage covers damage to your Grand Prix resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, rolling your car, scraping a guard rail, damaging your car on a curb and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Coverage for liability

This coverage protects you from damage or injury you incur to a person or their property that is your fault. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like medical services, attorney fees and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

In conclusion

In this article, we presented many ideas to get a better price on 1996 Pontiac Grand Prix insurance. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the lowest prices come from a lesser-known regional company. These companies often have lower rates on specific markets than the large multi-state companies such as State Farm, GEICO and Nationwide.

As you prepare to switch companies, you should never reduce needed coverages to save money. There are too many instances where an insured cut liability coverage limits to discover at claim time that the small savings ended up costing them much more. The goal is to buy enough coverage for the lowest cost while not skimping on critical coverages.

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