2001 Pontiac Grand Prix Insurance Quotes – 6 Policy Discounts

Are you a victim of an overpriced insurance policy? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out. Having so many online and local companies to choose from, it is very difficult to locate the most affordable car insurance company.

Finding affordable coverage is quite easy. If you have a policy now or need new coverage, you can use this information to find the best rates and possibly find even better coverage. Consumers only need to know the proper way to get comparison rates online.

How to Lower Your Insurance Coverage Cost

Finding lower insurance coverage rates is not rocket science. Consumers just need to take a few minutes to compare rate quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. One of the best ways to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This form eliminates the need for boring form submissions to each individual insurance coverage company. A single, simple form will get you rate comparisons from several companies.
  2. A more difficult way to compare rate quotes consists of visiting each company’s website to complete a price quote. For example, we’ll assume you want to compare Geico, State Farm and Travelers. To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just compare identical quote information for every company. If you are comparing different liability limits you can’t possibly determine the best price for your Pontiac Grand Prix.

Save with discounts on Pontiac Grand Prix insurance

Auto insurance companies don’t necessarily list all available discounts in an easy-to-find place, so the following is a list of both well-publicized and the more hidden discounts you could be receiving. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Multiple Cars – Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
  • Low Mileage – Keeping the miles down on your Pontiac can qualify you for better rates on cars that stay parked.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on Grand Prix coverage with a few car insurance companies.
  • Driver’s Ed – Have your child take driver’s ed class in high school.

It’s important to understand that most of the big mark downs will not be given the the whole policy. Some only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think you would end up receiving a 100% discount, you’re out of luck.

A partial list of companies that possibly offer these benefits are:

Double check with each company which discounts you may be entitled to. All car insurance discounts may not apply everywhere.

Tailor your coverage to you

When buying proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether you might need an agent’s assistance.

  • If my pet gets injured in an accident are they covered?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Which is better, split liability limits or combined limits?
  • How much underlying liability do I need for an umbrella policy?
  • What should my uninsured motorist coverage limits be in my state?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Auto insurance coverage breakdown

Having a good grasp of a auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types available from auto insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Grand Prix.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as theft, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – Collision insurance will pay to fix damage to your Grand Prix caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like hitting a parking meter, colliding with another moving vehicle, driving through your garage door, scraping a guard rail and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Auto liability – This can cover damage or injury you incur to other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like structural damage, emergency aid, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses such as doctor visits, X-ray expenses and rehabilitation expenses. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible