2002 Pontiac Grand Prix Insurance Rates

Searching for better insurance rates for your Pontiac Grand Prix? Paying for high-priced Pontiac Grand Prix insurance can overdraw your bank account and force you to make sacrifices. Comparing price quotes is free and is an excellent way to slash your bill and have more diposable income.

With consumers having so many insurance companies to choose from, it can be diffult for consumers to find the lowest price provider.

The purpose of this post is to teach you how to effectively get price quotes and some tricks to saving. If you are paying for car insurance now, you stand a good chance to be able to save some money using these tips. Although drivers must understand how the larger insurance companies market on the web and apply this information to your search.

The most recommended method to compare rates takes advantage of the fact most insurance companies pay for the opportunity to provide you with a free rate quote. The only thing you need to do is give them some information such as how much coverage you want, types of safety features, how much you drive, and if you are currently licensed. That rating information gets transmitted to insurance carriers in your area and you will receive price estimates instantly.

To check rates for your , click here and find out if lower rates are available.

Are you getting all your discounts?

Car insurance can cost a lot, but there could be available discounts that many people don’t even know exist. Some discounts apply automatically at the time you complete a quote, but a few must be specially asked for prior to getting the savings.

  • Use Seat Belts – Requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • Homeowners Pay Less – Being a homeowner can save you money because maintaining a house shows financial diligence.
  • Passive Restraints – Factory air bags may earn rate discounts up to 30%.
  • Discount for Life Insurance – Larger companies have better rates if you take out a life insurance policy as well.
  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • No Charge for an Accident – Certain companies will forgive one accident before your rates go up if your claims history is clear for a particular time prior to the accident.

It’s important to understand that some credits don’t apply the the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you can get free auto insurance, you won’t be that lucky. But all discounts will cut your overall premium however.

Companies that may have these discounts include:

It’s a good idea to ask each company how you can save money. All car insurance discounts may not be available in your area.

When might I need an agent?

When choosing proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different so your insurance should reflect that These are some specific questions can aid in determining if your situation might need an agent’s assistance.

  • Should I buy full coverage?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need rental car coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • If I drive on a suspended license am I covered?
  • Is my trailer covered?
  • Is my camper covered by my car insurance policy?
  • Does my car insurance cover rental cars?
  • Does my policy cover me when driving someone else’s vehicle?
  • What discounts do I qualify for?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance policy coverages for a Pontiac Grand Prix

Having a good grasp of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types offered by auto insurance companies.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, damage from a tornado or hurricane, damage from getting keyed, falling objects and theft. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for liability – This provides protection from damage that occurs to a person or their property. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like court costs, medical expenses and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as much as you can afford.

Collision coverages – Collision coverage pays for damage to your Grand Prix resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a parking meter, scraping a guard rail, colliding with a tree and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

UM/UIM Coverage – Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills for doctor visits, hospital visits, rehabilitation expenses, pain medications and nursing services. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage