Compare 2003 Pontiac Grand Prix Insurance Rates

Buyers have many options when searching for the best price on Pontiac Grand Prix insurance. You can either spend your time contacting agents to get rate comparisons or utilize the internet to get rate quotes.

There are more efficient ways to buy insurance so we’re going to tell you the quickest way to price shop coverage for a Pontiac and obtain the lowest possible price from both online companies and local agents.

Auto insurance quotes comparison

Getting a cheaper price on 2003 Pontiac Grand Prix insurance is an easy way to save money. All that’s required is to take a couple of minutes getting comparison quotes to see which company has inexpensive auto insurance quotes. Shoppers can get rates by following the guidelines below.

If you’re in a hurry, the quickest way to get quotes for comparison is a comparison rater form (click to open form in new window). This form prevents you from having to do separate quote forms for every company. Filling out one form gets you price quotes from several companies. This is by far the quickest method.

A different way to find better pricing is spending the time to visit the website for every company you want to comare and go through the quote process again. For example, let’s assume you want to compare GEICO, Progressive and State Farm. You would have to go to each individual site and enter your policy data, and that’s why the first method is more popular. To view a list of companies in your area, click here.

The old school method of comparing rate quotes is actually driving to and from local insurance agencies. The fact that you can get quotes online eliminates the need for an insurance agent unless you want the guidance of an agent trained in personal lines coverage. It is possible to price shop your coverage online and still use a local agent.

It’s up to you which method you use, but make darn sure you compare exactly the same coverage information on every price quote you get. If you enter different data then you won’t be able to determine the best price for your Pontiac Grand Prix.

You may qualify for discounts

Car insurance is not cheap nor is it fun to buy but you may qualify for discounts to reduce the price significantly. Certain reductions will be credited at the time you complete a quote, but some may not be applied and must be asked about before being credited. If you’re not getting every credit you qualify for, you may be paying too high a price.

  • Good Grades Discount – Performing well in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up until you turn 25.
  • Seat Belts Save – Drivers who require all vehicle occupants to buckle up before driving can save up to 15% on the medical payments or PIP coverage costs.
  • Discounts for Responsible Drivers – Drivers without accidents may save up to 50% more for Grand Prix coverage than drivers with accidents.
  • Discounts for Government Workers – Active or retired federal employment may reduce rates when you quote auto insurance for Grand Prix coverage with select insurance companies.
  • Home Ownership Discount – Owning your own home or condo can save you money since owning and maintaining a home requires personal responsibility.
  • Renewal Discounts – Some car insurance companies provide a discount for switching policies before your current coverage expires. It’s a savings of about 10%.
  • Discount for Life Insurance – Not all car insurance companies offer life insurance, but some may give you a discount if you purchase life insurance from them.
  • Multi-car Discount – Having several vehicles on one policy may reduce the rate for each vehicle.
  • Theft Prevention Discount – Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.

As is typical with insurance, most discounts do not apply the the whole policy. Most only cut specific coverage prices like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, it’s just not the way it works.

Popular car insurance companies and a summarized list of policyholder discounts are:

  • Progressive policyholders can earn discounts including multi-vehicle, online quote discount, continuous coverage, good student, homeowner, and online signing.
  • SAFECO discounts include homeowner, drive less, teen safety rewards, accident prevention training, multi-car, teen safe driver, and bundle discounts.
  • American Family may include discounts for good driver, TimeAway discount, early bird, mySafetyValet, and Steer into Savings.
  • MetLife may offer discounts for good driver, multi-policy, accident-free, good student, and defensive driver.
  • GEICO may have discounts that include military active duty, emergency military deployment, driver training, multi-vehicle, anti-theft, anti-lock brakes, and five-year accident-free.
  • The Hartford offers discounts for defensive driver, good student, vehicle fuel type, air bag, and bundle.

If you are trying to find cheaper auto insurance quotes, ask every prospective company how many discounts you can get. Some credits might not apply in your state.

There’s no such thing as the perfect car insurance policy

When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.

  • Where can I get insurance after a DUI in my state?
  • Should I have combined single limit or split liability limits?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I have coverage when making deliveries for my home business?
  • Should I buy only the required minimum liability coverage?
  • What companies insure drivers after a DUI or DWI?
  • Am I missing any policy discounts?
  • How do I insure my teen driver?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Auto insurance 101

Having a good grasp of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

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

Collision insurance covers things like hitting a parking meter, colliding with another moving vehicle, sideswiping another vehicle, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Auto liability insurance – Liability insurance provides protection from injuries or damage you cause to a person or their property. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things like bail bonds, repair bills for other people’s vehicles, attorney fees, emergency aid and funeral expenses. How much coverage you buy is up to you, but buy as large an amount as possible.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, a broken windshield, damage from a tornado or hurricane and hitting a deer. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Pontiac Grand Prix.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for bills for things like hospital visits, ambulance fees, chiropractic care and pain medications. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Feed the piggy bank

Some insurance companies may not provide internet price quotes smaller companies prefer to sell through independent agents. Low-cost 2003 Pontiac Grand Prix insurance is possible online as well as from independent agents, so you need to compare both so you have a total pricing picture.

In this article, we covered some good ideas how you can reduce 2003 Pontiac Grand Prix insurance prices online. The key concept to understand is the more you quote auto insurance, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a smaller regional carrier.

Consumers who switch companies do it for many reasons like denial of a claim, policy cancellation, lack of trust in their agent and high rates after DUI convictions. Regardless of your reason for switching companies, switching companies is less work than it seems.

Additional insurance information is located at the links below