1998 Pontiac Grand Prix Insurance Rates

Looking for better insurance coverage rates for your Pontiac Grand Prix? Pricey Pontiac Grand Prix insurance can deplete your accounts and put the squeeze on your family’s finances. Comparison shopping can save money and help to tighten up your finances.

Because you have many options, it’s difficult to locate the right insurance company.

Save a ton with these auto insurance discounts

The price of auto insurance can be rather high, but you might be missing out on some discounts that can drop the cost substantially. Many discounts should be triggered at the time you complete a quote, but occassionally some discounts must be specially asked for before you get the savings.

  • Discount for Life Insurance – If the company offers life insurance, you could get a small discount if you purchase life insurance from them.
  • ABS Braking Discount – Vehicles with anti-lock braking systems can stop better under adverse conditions and will save you 10% or more.
  • Pay Early and Save – If you pay your bill all at once rather than paying in monthly installments you may have a lower total premium amount.
  • Discount for Home Ownership – Simply owning a home can help you save on auto insurance because it demonstrates responsibility.
  • Accident Waiver – Not a discount per se, but companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident before they charge you more for coverage if you have no claims prior to being involved in the accident.
  • Military Rewards – Having a family member in the military can result in better prices.
  • Claim Free – Insureds with no claims or accidents pay much less in comparison with bad drivers.
  • Low Mileage Discounts – Keeping the miles down on your Pontiac may enable drivers to earn lower rates due to less chance of an accident.
  • Seat Belt Discounts – Requiring all passengers to use a seat belt can save up to 15% on medical payment and PIP coverage.
  • Driver Safety – Taking a defensive driver course could earn you a small percentage discount if your company offers it.

Consumers should know that most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. If you do the math and it seems like having all the discounts means you get insurance for free, that’s just not realistic.

A list of companies and some of the premium reductions they offer are included below.

  • GEICO has discounts for five-year accident-free, anti-theft, defensive driver, air bags, good student, membership and employees, and military active duty.
  • USAA has savings for vehicle storage, multi-vehicle, safe driver, new vehicle, and good student.
  • Progressive includes discounts for multi-policy, online signing, online quote discount, multi-vehicle, and continuous coverage.
  • American Family offers discounts including good driver, Steer into Savings, good student, accident-free, and early bird.
  • Esurance may have discounts that include online quote, renters, DriveSense, online shopper, paid-in-full, and good student.
  • Farmers Insurance may offer discounts for business and professional, electronic funds transfer, alternative fuel, distant student, and bundle discounts.
  • State Farm discounts include multiple autos, Drive Safe & Save, anti-theft, student away at school, and accident-free.

Before you buy a policy, ask every prospective company how many discounts you can get. Some of the earlier mentioned discounts may not apply in your state. For a list of providers who offer cheap auto insurance quotes, click here to view.

Compare car insurance quotes

The majority of larger companies such as Progressive, GEICO, Allstate and State Farm make it easy to get insurance quotes on the web. This process doesn’t take much effort as all you need to do is type in your required coverages into the quote form. After you complete the form, their quoting system automatically orders your driving record and credit report and provides a quote based on these factors. Quoting online simplifies rate comparisons, but having to visit different websites and type in the same information is repetitive and time-consuming. But it’s very important to have as many quotes as possible if you want to get lower prices.

The easiest way to find cheaper rates uses just one form to get prices from many companies. It’s a real time-saver, eliminates form submissions, and makes quoting online much more efficient. As soon as the form is sent, it is quoted with multiple companies and you can pick your choice of the quote results.

If a lower price is quoted, you can simply submit the application and buy the new coverage. It only takes a few minutes and can result in significant savings.

To quickly find out what other companies charge, click here and submit your coverage information. If you have coverage now, it’s recommended you input the coverage information as close as possible to your current policy. This helps ensure you will be getting rate comparison quotes for similar coverage.

Auto insurance can get complicated

When buying the best auto insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can help discover if your situation would benefit from professional advice.

  • How can I get high-risk coverage after a DUI?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered if I wreck a rental car?
  • Can I get a multi-policy discount?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered when driving in Canada or Mexico?
  • Do I have coverage when using my vehicle for my home business?
  • Can I afford to pay high deductible claims out of pocket?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Parts of your car insurance policy

Knowing the specifics of car insurance can help you determine appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. These are the normal coverages found on most car insurance policies.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses such as surgery, rehabilitation expenses and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage

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

Collision insurance covers things such as rolling your car, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverages

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, fire damage, a tree branch falling on your vehicle and hail damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for liability

Liability coverage can cover damage or injury you incur to other people or property. It protects you against other people’s claims. It does not 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 might see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things such as legal defense fees, medical services and attorney fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Save your hard earned cash

In this article, we covered a lot of tips how to get a better price on 1998 Pontiac Grand Prix insurance. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may even discover the lowest premium rates come from the least-expected company. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm, GEICO and Nationwide.

As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped liability limits or collision coverage only to regret at claim time that it was a big mistake. Your goal is to get the best coverage possible at the best possible price but still have enough coverage for asset protection.

Some insurance companies do not provide online quoting regional carriers only sell through independent agencies. Cheap 1998 Pontiac Grand Prix insurance is possible on the web as well as from insurance agents, so compare prices from both in order to have the best chance of saving money.

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