2006 Pontiac Grand Prix Insurance Rates – 8 Tips for Cheaper Quotes

Drivers have options when trying to find low-cost Pontiac Grand Prix insurance. You can either waste hours contacting agents to compare prices or leverage the internet to compare rates.

There are more efficient ways to buy car insurance and you need to know the quickest way to price shop coverage on a Pontiac and get the cheapest rates from both online companies and local agents.

If you have a current auto insurance policy or are just looking to switch companies, you can use these tips to shop for the lowest rates while maximizing coverage. This information will let you in on how car insurance quotes work. Drivers just need to know the best way to shop for auto insurance on the web.

Cheapest insurance quotes

There are several ways to compare insurance prices but some are more efficient than others. You can spend your afternoon talking to local insurance agents in your area, or you can utilize the internet to get pricing more quickly.

Most major companies participate in an industry program where insurance shoppers enter their coverage request one time, and every company can provide price quotes based on that data. This prevents consumers from doing quote requests for each company you want a rate for.

To participate in this free quote system, click here to start a free quote.

The single downside to pricing coverage this way is buyers cannot specifically choose the companies to receive prices from. So if you want to select specific insurance companies to receive pricing from, we have a page of insurance companies in your area. Click here to view list.

The method you choose is up to you, but make sure you use nearly identical coverages and limits with every price quote. If your comparisons have different values for each quote you will not be able to make an equal comparison.

Car insurance discounts are available to slash your rates

Car insurance is not an enjoyable expense, but you can get discounts that could drop your premiums quite a bit. Most are applied when you quote, but lesser-known reductions have to be requested specifically before being credited.

  • Braking Control Discount – Cars and trucks with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Telematics Discount – People who choose to allow their insurance company to look at driving habits by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks as long as the data is positive.
  • Claim-Free Discount – Drivers who stay claim-free get the best car insurance rates when compared to accident-prone drivers.
  • Driver’s Education for Students – Require your teen driver to enroll in driver’s education as it can save substantially.
  • Save with More Vehicles Insured – Buying insurance for primary and secondary vehicles on one policy can reduce rates for all insured vehicles.
  • Waiver for an Accident – This one isn’t a discount, but a few companies such as GEICO, State Farm, and Progressive will allow you to have one accident without getting socked with a rate hike if you have no claims for a particular time prior to the accident.
  • Discounts for Government Workers – Simply working for the federal government could provide a small rate reduction on Grand Prix insurance depending on your car insurance provider.
  • Savings for New Vehicles – Insuring a new car can save up to 30% since new vehicles are generally safer.

Drivers should understand that most of the big mark downs will not be given to the entire cost. A few only apply to individual premiums such as collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, you’re out of luck.

Larger car insurance companies and a partial list of their discounts are shown below.

  • State Farm includes discounts for accident-free, multiple policy, defensive driving training, driver’s education, passive restraint, student away at school, and safe vehicle.
  • GEICO may offer discounts for multi-policy, military active duty, driver training, five-year accident-free, multi-vehicle, federal employee, and anti-lock brakes.
  • Liberty Mutual may have discounts that include new graduate, newly married, newly retired, multi-car, and multi-policy.
  • The Hartford offers discounts including anti-theft, vehicle fuel type, bundle, driver training, and defensive driver.
  • MetLife offers discounts for multi-policy, claim-free, accident-free, good driver, and defensive driver.
  • Progressive policyholders can earn discounts including online quote discount, multi-vehicle, homeowner, good student, multi-policy, and online signing.

When quoting, ask every prospective company the best way to save money. Some of the discounts discussed earlier may not apply to policyholders everywhere. To view providers with the best car insurance discounts, click this link.

Everyone needs different auto insurance coverages

When choosing the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions might point out whether your personal situation might need an agent’s assistance.

  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when driving on a suspended license?
  • Is my cargo covered for damage or theft?
  • Do I need replacement cost coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What happens if I owe more than my 2006 Pontiac Grand Prix is worth?
  • What is UM/UIM insurance?
  • Am I covered when driving in Canada or Mexico?
  • How does medical payments coverage work?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage information

Learning about specific coverages of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Auto liability

This coverage protects you from damage that occurs to people or other property. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things like attorney fees, emergency aid, structural damage and bail bonds. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses such as dental work, EMT expenses, surgery, rehabilitation expenses and funeral costs. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured and underinsured coverage

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and 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 should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage protection

This coverage covers damage to your Grand Prix resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like hitting a parking meter, rolling your car, crashing into a building and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, theft, hail damage and damage from flooding. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Pennies from heaven

Consumers change insurance companies for a variety of reasons including delays in paying claims, being labeled a high risk driver, unfair underwriting practices and even extreme rates for teen drivers. Whatever your reason, choosing a new insurance company is actually quite simple.

You just read many tips how you can shop for 2006 Pontiac Grand Prix insurance online. The key thing to remember is the more price quotes you have, the better your chances of lowering your premium rates. You may even discover the best price on insurance is with the smaller companies.

When searching for cheaper insurance coverage quotes, don’t be tempted to reduce coverage to reduce premium. In many instances, someone dropped liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage at the best price, not the least amount of coverage.

To learn more, link through to the following helpful articles: