Cheap 2007 Pontiac Grand Prix Insurance Quotes

Trying to find cheaper auto insurance rates for your Pontiac Grand Prix? Nobody rejoices having to buy auto insurance, especially knowing they could get a better deal. Multiple car insurance companies compete for your business, and because of this it can be hard to compare insurers and uncover the absolute lowest cost out there.

The quickest way to get rate comparisons takes advantage of the fact almost all companies actually pay money for the chance to compare rate quotes. All you need to do is provide a small amount of information including how your vehicles are used, if your license is active, whether you are married, and your education level. Your information is instantly provided to many highly-rated insurers and they return cost estimate with very little delay.

Don’t overlook these insurance discounts

Insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that can drop the cost substantially. Some discounts will apply when you complete an application, but once in a while a discount must be manually applied before you get the savings.

• Life Insurance – Some insurance carriers give lower prices if you buy auto and life insurance together.
• Student Discounts – Being a good student may save you up to 25%. Most companies allow this discount until age 25.
• Low Mileage Discounts – Fewer annual miles on your Pontiac can qualify you for cheaper prices.
• Passive Restraints – Factory air bags and/or automatic seat belt systems may get savings of up to 25% or more.
• Telematics Data Discounts – Policyholders that allow their insurance company to track driving patterns by using a telematics device such as Progressive’s Snapshot could see a rate decrease if they show good driving skills.
• New Car Discount – Buying a new car model can save up to 30% compared to insuring an older model.

Discounts save money, but please remember that most discount credits are not given the the whole policy. Most only apply to the cost of specific coverages such as medical payments or collision. Just because you may think all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

A few of the larger companies and the discounts they provide include:

• GEICO includes discounts for daytime running lights, driver training, good student, multi-policy, and multi-vehicle.
• USAA offers discounts for family discount, new vehicle, safe driver, driver training, and military installation.
• Progressive has discounts for online signing, continuous coverage, online quote discount, multi-vehicle, multi-policy, and homeowner.
• American Family discounts include Steer into Savings, multi-vehicle, air bags, TimeAway discount, defensive driver, bundled insurance, and good student.
• Esurance may include discounts for DriveSense, claim free, good driver, homeowner, and anti-lock brakes.
• Farmers Insurance offers premium reductions for pay in full, electronic funds transfer, homeowner, distant student, teen driver, and bundle discounts.
• State Farm policyholders can earn discounts including driver’s education, anti-theft, defensive driving training, accident-free, safe vehicle, Steer Clear safe driver discount, and Drive Safe & Save.

Before you buy a policy, ask all companies you are considering which credits you are entitled to. Discounts may not apply to policyholders in your area. For a list of insurance companies that offer the discounts shown above, click here.

When to get professional advice

When it comes to choosing coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

• How can I get high-risk coverage after a DUI?
• Who is covered when they drive my 2007 Pontiac Grand Prix?
• Why does it cost so much to insure a teen driver?
• What vehicles should carry emergency assistance coverage?
• What is UM/UIM insurance?
• Are there companies who specialize in insuring high-risk drivers?
• What is covered by UM/UIM coverage?
• Does coverage extend to a rental car in a foreign country?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

What insurance coverages do you need?

Having a good grasp of insurance can help you determine the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by insurance companies.

Collision coverage – Collision coverage pays for damage to your Grand Prix caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a parking meter, crashing into a ditch, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like chiropractic care, dental work, surgery, ambulance fees and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage – This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, hitting a bird, a broken windshield and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability – This coverage can cover damage that occurs to other people or property. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which stand for 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.

Liability can pay for claims like court costs, medical services, emergency aid and medical expenses. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your 2007 Pontiac Grand Prix.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.