Vehicles > Pontiac > Grand Prix
Buying car insurance by comparing rates online is easy, in addition you may find lower rates. The key is to compare as many rate quotes as possible so you can compare the cheapest rate quotes.
People who are new to comparing rates may think buying cheap Grand Prix insurance is going to be difficult. The are a couple different ways to compare rate quotes and find the best price. The recommended way to find the lowest Grand Prix insurance cost is to get quotes online. This is very easy and can be done by visiting this page.
Insurance premiums for a Pontiac Grand Prix will vary greatly based upon several criteria. A few of these criteria are:
One important consideration that helps determine your rates is the age of the vehicle. Older models have a much lower replacement value compared to new Pontiac models so repair costs tend to be lower which will push premiums down. Although new Pontiac models have more advanced features included like a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection so those may provide discounts that lower premiums.
To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from the following list.
Auto liability insurance - Liability insurance provides protection from injuries or damage you cause to other people or property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy as much as you can afford.
Collision coverage - Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. Grand Prix collision insurance is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible in order to get cheaper Grand Prix insurance rates.
Comprehensive insurance - Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Uninsured/Underinsured Motorist coverage - This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.
Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance provide coverage for bills like ambulance fees, surgery, and doctor visits. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. PIP is not universally available but can be used in place of medical payments coverage.
How Much are Pontiac Grand Prix Insurance Rates?