Compare 1996 Pontiac Grand Prix Car Insurance Rates

Overwhelmed by the dozens of insurance choices? You have a lot of company. There are so many options available that it can turn into a lot of work to compare prices.

It’s smart to compare prices periodically since rates fluctuate regularly. If you had the best price on Grand Prix coverage two years ago there may be better deals available now. So just block out anything you think you know about insurance because you’re going to get a crash course in one of the quickest ways to remove unneeded coverages and save money.

If you currently have car insurance, you will be able to cut costs considerably using this information. Finding the cheapest insurance coverage is not that difficult. But consumers must comprehend how companies determine prices and take advantage of how the system works.

Factors influencing Pontiac Grand Prix insurance rates

It’s important that you understand some of the elements that help determine the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that may reward you with lower auto insurance prices.

  • The more you drive the more you pay – The more you drive in a year’s time the higher your rate. Almost all companies rate vehicles based on their usage. Cars that are left in the garage can get a lower rate compared to those used for work or business. Verify your auto insurance policy properly reflects the correct driver usage, because it can save money. If your policy improperly rates your Grand Prix can cost quite a bit.
  • Where you live can impact rates – Choosing to live in a rural area can save you money when insuring your vehicles. Less people living in that area means a lower chance of having an accident. Drivers in populated areas regularly have traffic congestion and much longer commute distances. Higher commute times translates into higher accident risk.
  • Bad driving skills means higher rates – Careful drivers have lower premiums than people who have multiple driving citations. Even one ticket can boost insurance rates twenty percent or more. Drivers who have severe citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
  • Special features that cut premiums – Purchasing a vehicle with an alarm system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.

Low Cost Insurance

There are several ways to compare rate quotes from different insurance companies. The best method to find the lowest 1996 Pontiac Grand Prix rates is to use the internet to compare rates. It is quite easy and can be accomplished in several different ways.

The single most time-saving way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This type of form keeps you from doing separate quotation requests for every insurance company. Taking the time to complete one form will return quotes from many national carriers. Just one form and you’re done.

A more time consuming way to shop for insurance online requires visiting the website of each company and complete a new quote form. For examples sake, let’s say you want to compare Geico, 21st Century and American Family. To get rate quotes you would need to visit each site and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

The least recommended method of getting rate comparisons is driving around to and from local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you require the professional guidance of a licensed agent. It is possible to comparison shop your insurance online but still have the advice of a local agent and we’ll cover that in a bit.

Whichever way you use, make sure you use apples-to-apples coverage information on every quote you get. If you enter differing limits it will be impossible to determine the best price for your Pontiac Grand Prix. Just a small difference in insurance coverages could mean much higher rates. Keep in mind that quoting more gives you a better chance of getting the best price.

You probably qualify for some discounts

The price of auto insurance can be rather high, but there are discounts available that can drop the cost substantially. Some trigger automatically at the time of purchase, but a few need to be requested specifically prior to receiving the credit.

  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on Grand Prix coverage depending on your company.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Air Bag Discount – Vehicles equipped with air bags may earn rate discounts of up to 25% or more.
  • Safety Course Discount – Taking a defensive driving course could cut 5% off your bill if your company offers it.
  • Accident Forgiveness – A handful of insurance companies allow you one accident before raising your premiums if you are claim-free prior to the accident.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Grand Prix coverage than their less cautious counterparts.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.

Drivers should understand that many deductions do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates you could get a free car insurance policy, you’re out of luck. Any qualifying discounts will help reduce the cost of coverage.

Car insurance companies that may have these benefits include:

Double check with each company how you can save money. All car insurance discounts might not be offered in every state.

There’s no such thing as the perfect policy

When buying proper insurance coverage, there is no best way to insure your cars. Every situation is different.

Here are some questions about coverages that may help highlight if your situation could use an agent’s help.

  • Do I have coverage when using my vehicle for my home business?
  • Do I need an umbrella policy?
  • Should I carry comprehensive and collision coverage?
  • Is my babysitter covered when using my vehicle?
  • Can I rent a car in Mexico?
  • Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Educate yourself about insurance coverages

Knowing the specifics of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a building, crashing into a ditch, driving through your garage door, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like rehabilitation expenses, nursing services, ambulance fees and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from a tornado or hurricane, hail damage and a broken windshield. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Pontiac Grand Prix.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Liability coverages

This coverage will cover damages or injuries you inflict on other’s property or people. It protects YOU from legal claims by others, and doesn’t 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 values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as attorney fees, emergency aid, court costs and structural damage. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Be a money saver!

People leave their current company for a number of reasons such as policy non-renewal, delays in responding to claim requests, lack of trust in their agent and even delays in paying claims. It doesn’t matter why you want to switch switching car insurance companies is actually quite simple.

As you prepare to switch companies, do not sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

We just presented many ideas to compare 1996 Pontiac Grand Prix insurance prices online. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with a lesser-known regional company.

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