View 2006 Pontiac Grand Prix Insurance Quotes

Trying to find the cheapest auto insurance rates for your Pontiac Grand Prix? Comparison shopping for auto insurance can seem to be hard for beginners to buying insurance online. You have so many options available that it can turn into a ton of work to compare prices.

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these techniques. The purpose of this article is to let you in on how car insurance quotes work and some tricks to saving. Nevertheless, consumers must understand how insurance companies market insurance on the web and apply this information to your search.

What determines your Pontiac Grand Prix insurance premium

Consumers need to have an understanding of the factors that help determine the rates you pay for insurance coverage. Understanding what determines base rates empowers consumers to make smart changes that could result in lower insurance coverage prices.

The following are some of the factors used by your company to calculate premiums.

  • Cautious drivers pay less – Only having one ticket can boost insurance rates forty percent or more. Careful drivers get better rates than people who have multiple driving citations. Drivers with severe tickets such as reckless driving, hit and run or driving under the influence are required to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Being married is a good thing – Having a wife or husband can get you a discount on your insurance coverage policy. It translates into being more mature and responsible it has been statistically shown that married couples file fewer claims.
  • Little extras can really add up – There are a lot of extra coverages that can waste your money if you aren’t careful. Coverages for roadside assistance, accident forgiveness and motor club memberships are some examples. These coverages may sound good at first, but if you don’t need them eliminate them to save money.
  • Your location affects your rates – Residing in a small town can be a good thing when buying insurance coverage. Drivers who live in large cities regularly have much more traffic and longer commute times. Lower population translates into fewer accidents and a lower car theft rate.
  • Rates may be lower depending on your job – Did you know your insurance coverage rates can be affected by your occupation? Careers like judges, social workers and dentists have the highest average rates attributed to stressful work requirements and long work hours. Other jobs such as pilots, historians and homemakers get better rates for Grand Prix coverage.

Policy discounts you shouldn’t miss

The price of auto insurance can be rather high, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be applied when you quote, but a few must be manually applied prior to receiving the credit.

  • Organization Discounts – Participating in a professional or civic organization may earn a discount on car insurance for Grand Prix coverage.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.
  • Accident Waiver – Some insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Safety Course Discount – Taking a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Discount for Life Insurance – Some companies give a break if you buy a life insurance policy as well.
  • E-sign – Some insurance companies will discount your bill up to fifty bucks simply for signing digitally online.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Most only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck. But any discount will cut the amount you have to pay.

For a list of providers who offer car insurance discounts, click here to view.

Insurance agents can help

When it comes to choosing coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine whether or not you might need an agent’s assistance.

  • Does my liability insurance cover pulling a trailer or camper?
  • Should I rate my 2006 Pontiac Grand Prix as pleasure use or commute?
  • Is rental equipment covered for theft or damage?
  • Is my teenager covered with friends in the car?
  • Can I get a multi-policy discount?
  • What is an SR-22 filing?
  • How much liability coverage do I need in my state?
  • Will my insurance pay for OEM parts?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form.

Specifics of your auto insurance policy

Understanding the coverages of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive auto coverage – This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, hitting a deer, hail damage and a tree branch falling on your vehicle. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for immediate expenses like EMT expenses, funeral costs, ambulance fees and dental work. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Auto liability insurance – Liability insurance will cover injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as structural damage, attorney fees, emergency aid, court costs and legal defense fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision – Collision insurance will pay to fix damage to your Grand Prix resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as damaging your car on a curb, rolling your car, scraping a guard rail, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Pontiac Grand Prix.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are set the same as your liablity limits.

Save for a rainy day

Drivers change insurance companies for a number of reasons such as poor customer service, denial of a claim, being labeled a high risk driver or even delays in paying claims. It doesn’t matter why you want to switch switching companies can be easy and end up saving you some money.

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at the best price while still protecting your assets.

We covered many tips how you can lower your 2006 Pontiac Grand Prix insurance rates. The most important thing to understand is the more companies you get rates for, the higher your chance of finding lower rates. You may even discover the lowest priced insurance coverage comes from a small mutual company.

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