1990 Pontiac Grand Prix Insurance Rates – 10 Discounts for Best Quotes

No one likes having to buy auto insurance, in particular when the cost is too high. Drivers have multiple auto insurance companies to insure vehicles with, and although it’s nice to have a choice, lots of choices makes it harder to find a good deal.

It’s smart to get comparison quotes on a regular basis since rates are constantly changing. Even if you got the best rates on Grand Prix insurance two years ago other companies may now be cheaper. You’ll find quite a bit of inaccurate information about auto insurance online but by reading this article, you’re going to learn some excellent ideas to buy auto insurance cheaper.

Discounts on 1990 Pontiac Grand Prix insurance

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to help bring down the price. Most are applied at the time of purchase, but some may not be applied and must be specifically requested prior to receiving the credit. If you’re not getting every credit you deserve, you are throwing money away.

  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • 55 and Retired – If you’re over the age of 55, you may qualify for a small decrease in premiums on Grand Prix insurance.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts compared to frequent claim filers.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can get savings up to 30%.
  • Homeowners Savings – Being a homeowner may earn you a small savings because maintaining a house shows financial diligence.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% on Grand Prix insurance with select insurance companies.
  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more on Grand Prix insurance than their less cautious counterparts.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Pontiac could be rewarded with better rates on cars that stay parked.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Driver Safety – Taking a driver safety course could cut 5% off your bill depending on where you live.

It’s important to note that some of the credits will not apply to the entire cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will bring down your overall premium however.

For a list of companies with the best insurance coverage discounts, click here to view.

Tailor your coverage to you

When it comes to choosing coverage, there is no cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is upholstery damage covered by car insurance?
  • Do I benefit by insuring my home with the same company?
  • Should I carry comprehensive and collision coverage?
  • Do all my vehicles need collision coverage?
  • Am I covered when delivering products for my home-based business?
  • What is an SR-22 filing?
  • Is my trailer covered?
  • What exactly is covered by my policy?

If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It’s fast, free and can provide invaluable advice.

Educate yourself about car insurance coverages

Having a good grasp of your car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average car insurance policy.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 1990 Pontiac Grand Prix.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverages – Collision insurance will pay to fix damage to your Grand Prix caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as driving through your garage door, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage for medical payments – Med pay and PIP coverage provide coverage for expenses like funeral costs, hospital visits and ambulance fees. They are used in conjunction with a health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability – This can cover damage or injury you incur to other’s property or people that is your fault. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like pain and suffering, funeral expenses and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Comprehensive coverages – This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as rock chips in glass, damage from a tornado or hurricane and theft. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Be Smart and Buy Smart

While you’re price shopping online, you should never reduce needed coverages to save money. In many instances, an accident victim reduced liability limits or collision coverage to discover at claim time that they should have had better coverage. The proper strategy is to buy enough coverage for the lowest price while not skimping on critical coverages.

We just showed you some good ideas how to get a better price on 1990 Pontiac Grand Prix insurance. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even find the best price on insurance is with a company that doesn’t do a lot of advertising. Some small companies can often provide lower rates in certain areas than their larger competitors like State Farm or Progressive.

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