2000 Pontiac Grand Prix Insurance Quotes – 7 Ideas for Best Rates

Are you tired of not being able to afford to insure your Pontiac every month? You’re in the same situation as most other car owners.

Insurance companies such as Progressive, State Farm and Geico promote their brand names with fancy advertisements and it is difficult to see through the cute green geckos and mayhem and take the time to shop coverage around.

These seven discounts can lower your rates

Companies offering auto insurance don’t list every available discount very clearly, so we took the time to find both well-publicized and the more hidden discounts you could be receiving.

  • Auto/Life Discount – Some companies give lower rates if you buy life insurance from them.
  • No Charge for an Accident – A handful of insurance companies permit an accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Multiple Vehicles – Insuring multiple vehicles on the same auto insurance policy can get a discount on all vehicles.
  • Drive Less and Save – Driving fewer miles can qualify you for a substantially lower rate.
  • Passive Restraint Discount – Vehicles equipped with air bags can qualify for discounts up to 30%.
  • Senior Discount – Mature drivers may be able to get better auto insurance rates for Grand Prix coverage.
  • Bundle and Save – If you have multiple policies with the same insurance company you will save at least 10% off all policies.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky.

Car insurance companies that may offer some of the above discounts include:

Double check with all companies you are considering how you can save money. Some discounts might not apply in every state.

Different people need different coverages

When it comes to choosing coverage for your vehicles, there really is no “perfect” insurance plan. Every situation is different so this has to be addressed. These are some specific questions can aid in determining if your insurance needs might need an agent’s assistance.

  • Does insurance cover damages from a DUI accident?
  • When should my teen driver be added to my policy?
  • Should I buy full coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I have newly-aquired coverage?
  • Is pleasure use cheaper than using my 2000 Pontiac Grand Prix to commute?
  • What is the ISO rating for a 2000 Pontiac Grand Prix?
  • When would I need rental car insurance?
  • Does my car insurance cover rental cars?
  • Am I covered if I break a side mirror?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Switch companies and save? Really?

Insurance coverage providers like Geico, State Farm and Progressive consistently run television and radio advertisements. They all make an identical promise of big savings if you change to their company. How can each company say the same thing?

Insurance companies have a certain “appetite” for the driver that makes them money. For instance, a profitable customer might be profiled as between 30 and 50, insures multiple vehicles, and chooses high deductibles. Any new insured who fits that profile gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Consumers who do not match this ideal profile will be charged a higher premium and ends up with business going elsewhere. The ads state “people who switch” but not “drivers who get quotes” save money. That is how insurance companies can confidently advertise the savings. That is why you absolutely need to compare many company’s rates. It’s just too difficult to predict which company will fit your personal profile best.

Car insurance coverage breakdown

Knowing the specifics of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages available from car insurance companies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like X-ray expenses, prosthetic devices and ambulance fees. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Auto liability insurance

Liability insurance can cover damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims like structural damage, repair costs for stationary objects, legal defense fees, medical services and attorney fees. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 2000 Pontiac Grand Prix.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive car insurance

This covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, fire damage, hail damage, hitting a deer and a tree branch falling on your vehicle. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance pays for damage to your Grand Prix from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a ditch, backing into a parked car, hitting a mailbox, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Quote often and quote early

In this article, we covered some good ideas how to reduce 2000 Pontiac Grand Prix insurance prices online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the biggest savings come from an unexpected company. Some small companies may only write in your state and offer lower rates compared to the large companies like State Farm, Geico and Nationwide.

As you restructure your insurance plan, you should never reduce needed coverages to save money. In many instances, consumers will sacrifice full coverage and discovered at claim time that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at the best price, not the least amount of coverage.

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