Save on 1991 Pontiac Grand Prix Insurance Rates

Tired of trying to scrape together enough money to insure your Pontiac every month? Your situation is no different than most other car owners.

Big-name insurance companies like Allstate, Liberty Mutual and State Farm continually hit you with ad campaigns and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.

Consumers need to take a look at other company’s rates every six months because insurance rates change frequently. Despite the fact that you may have had the best deal on Grand Prix coverage a year ago you can probably find a better price now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the tricks you need to know to eliminate unnecessary coverages and save money.

Pontiac Grand Prix insurance rates are influenced by…

An important part of buying insurance is that you know the rating factors that play a part in calculating insurance coverage rates. Knowing what influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

Shown below are some of the items used by your company to calculate premiums.

  • Lower rates with optional equipment – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
  • Credit scores impact insurance coverage rates – Your credit score is a big factor in determining your rates. If your credit rating is lower than you’d like, you could be paying less to insure your 1991 Pontiac Grand Prix by improving your credit score. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with poor credit.
  • Do you have enough liability coverage? – The liability section of your policy will protect you if a court rules you are at fault for damages caused by your negligence. It will provide you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • High crash test scores lower rates – Safer cars get lower rates. Safe vehicles have better occupant injury protection and better occupant protection means lower claim amounts and more competitive rates for policyholders. If the Pontiac Grand Prix scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Older drivers save more – More mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers. Youthful drivers tend to be more careless when driving therefore insurance coverage rates are much higher.
  • Rates may be lower depending on your job – Did you know your insurance coverage rates can be affected by your occupation? Careers like real estate brokers, business owners and accountants tend to have higher rates than average in part from job stress and lots of time spent at work. On the flip side, occupations such as actors, athletes and performers receive lower rates on Grand Prix coverage.
  • Multi-policy discounts can save money – The majority of companies give discounts to policyholders who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to compare rates to ensure the best deal.
  • Never let your coverage lapse – Having an insurance coverage lapse is a fast way to increase your insurance coverage rates. And not only will your rates increase, getting caught without coverage will get you a hefty fine and possibly a revoked license.Then you may be required to file a SR-22 with your state department of motor vehicles.

How to Compare Insurance Coverage Quotes

There are multiple methods to shop for 1991 Pontiac Grand Prix insurance coverage, but some are less labor-intensive and much quicker. You can spend countless hours talking about coverages with insurance agencies in your area, or you can stay home and use the internet to get pricing more quickly.

Many companies are enrolled in a marketplace where insurance shoppers send in one quote, and at least one company then gives them pricing based on that data. This eliminates the need for quote requests for each company. To use this form to compare 1991 Pontiac Grand Prix insurance rates click here to start a free quote.

The one downside to doing it this way is you are unable to specify which providers you want pricing from. So if you prefer to pick specific providers to request quotes from, we have a page of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

Whichever way you use, be sure to compare the exact same quote information for every quote you compare. If you compare higher or lower deductibles it will be very difficult to determine the best price for your Pontiac Grand Prix. Just a small difference in coverage limits could mean much higher rates. And when quoting insurance coverage, remember that obtaining a wide range of quotes helps locate better pricing.

Can you really save $460 a year?

21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. All the companies make the same claim of big savings if you switch your coverage to them. How can each company claim to save you money?

All the different companies are able to cherry pick for the right customer that makes them money. An example of a desirable insured might be between 25 and 40, owns a home, and chooses high deductibles. A customer getting a price quote who fits that profile will qualify for the lowest rates and therefore will save when switching.

Potential customers who fall outside these standards must pay more money which leads to business not being written. The ads state “drivers who switch” not “everyone that quotes” save that much money. This is how insurance companies can make those claims. This illustrates why it’s extremely important to compare as many rates as you can. You cannot predict which car insurance company will provide you with the cheapest Pontiac Grand Prix insurance rates.

Don’t overlook these discounts

Car insurance companies don’t always advertise all available discounts in an easy-to-find place, so we researched both the well known and the more hidden insurance savings.

  • Early Switch Discount – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Life Insurance – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you may earn up to 20% off your total premium.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Multiple Vehicles – Insuring multiple vehicles on the same insurance policy could earn a price break for each car.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most only apply to individual premiums such as medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck.

Car insurance companies that may offer these benefits may include but are not limited to:

Check with every prospective company what discounts are available to you. Some discounts may not apply in your area.

Is my situation unique?

When it comes to choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Every situation is different so this has to be addressed. Here are some questions about coverages that might point out whether you will benefit from professional help.

  • I don’t drive much so do I pay less?
  • What can I do if my company won’t pay a claim?
  • Does my insurance cover a custom paint job?
  • Do I benefit by insuring my home with the same company?
  • When should I buy a commercial auto policy?
  • What is covered by UM/UIM coverage?
  • Does car insurance cover theft of personal property?
  • Does my personal policy cover me when driving out-of-state?
  • What is the ISO rating for a 1991 Pontiac Grand Prix?
  • Am I covered when pulling a rental trailer?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Specific coverage details

Understanding the coverages of your policy can be of help when determining the right coverages for your vehicles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. These are the normal coverages found on most car insurance policies.

Coverage for liability

Liability coverage can cover damage or injury you incur to other people or property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like court costs, medical expenses, repair costs for stationary objects, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive or Other Than Collision

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like fire damage, theft, a tree branch falling on your vehicle, vandalism and falling objects. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Med pay and PIP coverage provide coverage for expenses such as surgery, rehabilitation expenses and dental work. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers 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

Collision protection

This 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 then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a mailbox, crashing into a ditch, colliding with a tree and crashing into a building. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

And the best car insurance company is…

Lower-priced 1991 Pontiac Grand Prix insurance can be found on the web and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. Some insurance providers may not provide online quoting and most of the time these small, regional companies sell through independent agents.

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage at a price you can afford.

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