How Much Does 2000 Pontiac Grand Prix Insurance Cost?

Are you frustrated by the crazy number of car insurance choices available to you? Lot’s of other drivers are too. There are so many choices available that it can be a real challenge to find the best prices.

It’s important to take a look at other company’s rates as often as possible because car insurance rates change quite often. Just because you had the best deal on Grand Prix coverage six months ago you can probably find a better price now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the easiest way to find better coverage at a better price.

If you currently have car insurance, you should be able to save some money using these tips. This article will familiarize you with how car insurance quotes work and some tips to save money. Nevertheless, drivers benefit from understanding how the larger insurance companies market insurance on the web and use this information to your advantage.

Cheap insurance coverage

To find low cost insurance coverage quotes, there are several ways to compare prices from different insurance companies. The fastest way to comparison shop is simply to get online rate quotes. This can be accomplished in just a few minutes using one of these methods.

  1. One of the best ways to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This easy form eliminates the need for separate forms for each company. Filling out one form gets insurance cost estimates direct from many companies. It’s the fastest way to compare.
  2. A more time consuming way to obtain and compare quotes online requires a visit to the website of each company and request a quote. For instance, we’ll pretend you want to compare rates from Allstate, Esurance and GEICO. You would be required to go to every website and type in your information over and over, which is why the first method is quicker.

    To view a list of companies in your area, click here.

  3. The least efficient method to quote and compare insurance rates is actually driving to local insurance agencies. Comparing rate quotes online reduces the need to sit down with an agent unless you prefer the trained advice that can only be provided by a licensed insurance agent. Although you can price shop online and get advice from an agent in your area.

It’s your choice how you get your quotes, but make sure you compare the same coverages for each price quote. If each company quotes different liability limits you will not be able to find the best deal for your Pontiac Grand Prix. Quoting even small variations in coverages can mean a large discrepancy in price. Just remember that comparing all the rates in your area increases your odds of finding the best offered rates. Some companies don’t provide prices over the internet, so you also need to get price quotes from those companies as well.

Lower rates by qualifying for discounts

Some insurers don’t always list every possible discount in a way that’s easy to find, so the list below gives a summary of a few of the more common and the more hidden ways to save on insurance coverage. If you do not check that you are getting every discount possible, you are paying more than you should be.

  • Professional Organizations – Being in a qualifying organization may earn a discount when getting a insurance coverage quote.
  • Paper-free Discount – Certain companies will give you a small discount shop insurance coverage online.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school.
  • Discount for Life Insurance – Some insurance carriers give better insurance coveragerates if you take out some life insurance too.
  • Active Military Service – Being deployed in the military could qualify you for better prices.
  • Resident Student – Kids who live away from home to go to college and do not take a car to college can be insured at a reduced rate.
  • Sign Early and Save – A few insurance companies allow discounts for switching policies before your current policy expires. It can save you around 10%.
  • Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes can stop better under adverse conditions and qualify for as much as a 10% discount.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think all the discounts add up to a free policy, that’s just not realistic.

Companies and the discounts they provide can be read below.

  • Progressive offers premium reductions for online signing, homeowner, good student, multi-vehicle, and online quote discount.
  • Farmers Insurance offers discounts including electronic funds transfer, homeowner, teen driver, bundle discounts, youthful driver, distant student, and multi-car.
  • Farm Bureau has discounts for driver training, multi-vehicle, multi-policy, youthful driver, safe driver, and 55 and retired.
  • State Farm may have discounts that include multiple autos, good student, defensive driving training, safe vehicle, and anti-theft.
  • GEICO policyholders can earn discounts including daytime running lights, driver training, defensive driver, five-year accident-free, multi-policy, membership and employees, and federal employee.
  • SAFECO has savings for drive less, anti-lock brakes, teen safe driver, bundle discounts, anti-theft, accident prevention training, and safe driver.
  • Liberty Mutual includes discounts for newly married, new vehicle discount, hybrid vehicle, exclusive group savings, and new graduate.

Before buying, ask all companies you are considering to give you their best rates. Some discounts listed above might not be available to policyholders in your state. If you would like to choose from a list of insurance coverage companies that offer the discounts shown above, click this link.

Car insurance is unique, just like you

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is unique.

For example, these questions might point out if your situation will benefit from professional help.

  • Am I covered if I wreck a rental car?
  • Does my liability insurance cover pulling a trailer or camper?
  • What discounts do I qualify for?
  • When can I cancel my policy?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Will filing a claim cost me more?
  • Can I afford to pay high deductible claims out of pocket?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

Insurance coverage options for a 2000 Pontiac Grand Prix

Learning about specific coverages of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2000 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. So UM/UIM coverage is important protection for you and your family.

Comprehensive (Other than Collision)

This covers 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, damage from a tornado or hurricane and falling objects. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses such as surgery, dental work and X-ray expenses. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for liability

Liability insurance provides protection from injuries or damage you cause to people or other property. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like court costs, funeral expenses, emergency aid, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Collision insurance

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sideswiping another vehicle, backing into a parked car, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to bring the cost down.