Save on 1996 Pontiac Grand Prix Insurance Cost

Trying to find cheaper auto insurance rates for your Pontiac Grand Prix? Searching for cheaper insurance for a Pontiac Grand Prix could be an all-consuming task, but you can follow our auto insurance buying tips to make it easier. There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the proper way to quote coverages for your Pontiac and get the lowest price.

It’s smart to price shop coverage occasionally because rates tend to go up over time. Even if you think you had the best price for Grand Prix insurance last year there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because you’re about to learn the proper way to properly buy coverages while reducing your premium.

Finding affordable coverage is easy if you know what you’re doing. If you are insured now or are shopping for new coverage, you can use these tips to find the best rates while maximizing coverage. Consumers just need to know how to find the lowest price online.

These factors can influence what you pay for Pontiac Grand Prix insurance

An important part of buying insurance is that you know the different types of things that come into play when calculating the rates you pay for insurance. Understanding what impacts premium levels allows you to make educated decisions that could result in much lower annual insurance costs.

  • High crash test scores lower rates – Safer cars are cheaper to insure. Safer cars result in less severe injuries and fewer injuries means less money paid by your insurance company and thus lower rates. If the Pontiac Grand Prix is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Men pay higher rates – The statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Women and men have accidents in similar numbers, but the males have costlier accidents. They also get cited for more serious violations such as reckless driving. Young males tend to get in the most accidents and are penalized with high insurance rates.
  • Multiple policies with one company can save – The majority of companies will give a discount to people who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even though this discount sounds good, you may still want to comparison shop to confirm you are receiving the best rates possible. Consumers may find a better deal by buying insurance from more than one company.
  • Policy add-ons can waste money – There are many add-on coverages that can waste your money when buying insurance. Insurance for vanishing deductibles, accident forgiveness and motor club memberships may be costing you every month. These may sound like a good investment when talking to your agent, but if you don’t need them eliminate the coverages to reduce your premium.
  • The more you drive the more you pay – The higher the mileage driven every year the higher your rates will be. Most companies rate vehicles determined by how the vehicle is used. Cars used primarily for pleasure use qualify for better rates than those used for commuting. Improper usage on your Grand Prix can cost quite a bit. Double check that your insurance declarations sheet properly reflects the correct usage for each vehicle.
  • Your age impacts your rates – Youthful drivers are known to be careless and easily distracted in a vehicle so they pay higher insurance rates. Mature drivers are more cautious drivers, tend to file fewer claims and are safer drivers.
  • Do you work long hours in a high stress job? – Occupations like judges, social workers and financial analysts are shown to have higher average rates in part from job stress and long work hours. Conversely, occupations such as pilots, engineers and the unemployed pay the least for Grand Prix insurance.

Lower rates by qualifying for discounts

Car insurance companies do not advertise all available discounts very clearly, so we researched some of the more common and the more hidden savings tricks you should be using. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because owning a home requires personal responsibility.
  • Sign Online – Certain companies will give a small break for buying your policy on their website.
  • Auto/Home Discount – If you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident before your rates go up if you are claim-free for a particular time prior to the accident.

It’s important to understand that most credits do not apply to the entire policy premium. Most only cut individual premiums such as liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way.

For a list of companies who offer auto insurance discounts, click this link.

Car insurance is unique, just like you

When it comes to choosing the best car insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions may help highlight if you would benefit from an agent’s advice.

  • Is my trailer covered?
  • Will my insurance pay for OEM parts?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What is roadside assistance coverage?
  • Should I have a commercial auto policy?
  • Why does it cost so much to insure a teen driver?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I buy full coverage?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Auto insurance specifics

Having a good grasp of your auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Medical expense coverage

Med pay and PIP coverage provide coverage for immediate expenses for surgery, rehabilitation expenses, prosthetic devices and pain medications. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Auto collision coverage

This coverage covers damage to your Grand Prix from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, rolling your car, colliding with a tree, sideswiping another vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 1996 Pontiac Grand Prix.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Liability car insurance

This will cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as pain and suffering, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hail damage, damage from flooding, theft, rock chips in glass and a tree branch falling on your vehicle. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

A penny saved is a penny earned

We covered some good ideas how you can lower your 1996 Pontiac Grand Prix insurance rates. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from the least-expected company.

Consumers who switch companies do it for a number of reasons such as not issuing a premium refund, an unsatisfactory settlement offer, policy cancellation and even lack of trust in their agent. Regardless of your reason for switching companies, choosing a new company can be easier than you think.

Cost effective insurance can be found online and with local insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance coverage companies do not offer online price quotes and these smaller companies work with independent agents.

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