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Pontiac Grand Prix Insurance Cost

Shopping for car insurance through online companies saves time, is easy to do and at the same time you will probably save money. The key to finding lower rates is to compare rates from as many companies as possible so you can compare all possible prices.

Comparing car insurance rates direct online is challenging if you are a beginner to online rate quotes. Don't let that stop you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways of comparing rates from car insurance companies in your area. The easiest way by far to find the lowest Grand Prix insurance rates consists of shopping online. It is quite easy and can be accomplished by visiting this page.

What factors determine the rate you pay?

Insurance rates for your Pontiac Grand Prix will vary greatly and are calculated by many factors. Taken into consideration are:

  • Tickets increase premiums
  • Your credit history
  • Male rates may be higher
  • Higher deductibles save money
  • Your vehicle's safety rating
  • Your profession
  • The amount of protection requested
  • Whether you rent or own your home

One last important factor that will help determine the rate you pay on your Pontiac is the year of manufacture. Older cars and trucks have a reduced actual cash value so the payout to repair may end up costing you less. But newer vehicles may have options including active head restraints, traction control, and a rollover prevention system so those may provide discounts that lower premiums.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Coverage for liability

This can cover damages or injuries you inflict on other's property or people by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase as much as you can afford.

Collision protection

Collision coverage covers damage to your Pontiac resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. 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. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.

How Much are Pontiac Grand Prix Insurance Rates?