Lower Your 2003 Pontiac Grand Prix Car Insurance Rates

Trying to find the cheapest car insurance rates? Buyers have lots of choices when searching for the best price on Pontiac Grand Prix insurance. They can either waste time struggling with agents getting price quotes or save time using the internet to compare rates.

There is a right way and a wrong way to buy car insurance so we’re going to tell you the best way to price shop coverage on a Pontiac and locate the best price possible.

Quick Car Insurance Quotes

Most major insurance companies allow you to get coverage prices on the web. Getting online rates is pretty easy as you simply type in your personal and coverage information into the quote form. When the form is submitted, their system will obtain credit information and your driving record and provides a quote determined by many factors.

Online price quotes simplifies rate comparisons, but the work required to visit each company’s website and repetitively complete many quote forms can get tiresome after awhile. But it’s absolutely necessary to get many rate quotes if you want to find the lowest price.

The smarter way to compare car insurance pricing is to use a quote form that obtains quotes from many companies. It saves time, eliminates form submissions, and makes online shopping much easier. After your information is entered, it is quoted and you can choose any or none of the quotes returned.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. It only takes a few minutes and you will find out if you’re overpaying now.

To save time and find out how much you’re overpaying now, click here to open in a new tab and input your coverage information. To compare your current rates, we recommend you duplicate coverages and limits exactly as they are listed on your policy. Doing this guarantees you are getting a price comparison based on identical coverages.

Discounts on 2003 Pontiac Grand Prix insurance

Insuring your fleet can be pricey, but you can get discounts that can drop the cost substantially. Some discounts apply automatically when you quote, but less common discounts must be asked about in order for you to get them. If you aren’t receiving every discount possible, you are throwing money away.

  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more for Grand Prix insurance than their less cautious counterparts.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you could get a discount of at least 10% off all policies.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • One Accident Forgiven – Certain companies will forgive one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Paperless Signup – Some insurance companies give back up to $50 for buying a policy and signing up online.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off for Grand Prix insurance with certain companies.

Consumers should know that most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like comp or med pay. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts will bring down the amount you have to pay.

For a list of insurers with the best auto insurance discounts, click here to view.

Tailor your coverage to you

When choosing proper insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s needs are different.

These are some specific questions may help you determine if your situation would benefit from professional advice.

  • Am I covered when using my vehicle for business?
  • Do I have coverage when using my vehicle for my home business?
  • What if I don’t agree with a claim settlement offer?
  • Do I really need UM/UIM coverage?
  • How do I buy GAP insurance?
  • What if I owe more than I can insure my car for?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Insurance coverages 101

Knowing the specifics of your policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Pontiac Grand Prix.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as damaging your car on a curb, crashing into a building, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as rehabilitation expenses, hospital visits, pain medications and surgery. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Liability coverages – This coverage provides protection from damage that occurs to people or other property that is your fault. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like court costs, medical expenses and medical services. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Comprehensive coverage – This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, vandalism and hitting a deer. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Shop around and save

We’ve covered many ways to lower your 2003 Pontiac Grand Prix insurance rates. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may even discover the best price on car insurance is with some of the lesser-known companies.

The cheapest insurance can be purchased on the web as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies don’t offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

Insureds switch companies for many reasons like delays in responding to claim requests, high rates after DUI convictions, an unsatisfactory settlement offer and even poor customer service. Regardless of your reason for switching companies, switching car insurance companies can be less work than you think.

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