1990 Pontiac Grand Prix Car Insurance Quotes – 7 Tricks for Cheaper Rates

Want better insurance coverage rates for your Pontiac Grand Prix? Having to pay for expensive insurance coverage can drain your funds and possibly require postponing other expenditures. Comparing rate quotes can be a smart way to ensure you are getting the best deal.

Vehicle owners have multiple insurers to choose from, and though it is a good thing to have a choice, it makes it harder to find the best rates for your vehicles.

Smart consumers take time to shop coverage around periodically because insurance coverage prices change frequently. Despite the fact that you may have had the lowest rates on Grand Prix coverage a year ago you will most likely find a better premium rate today. There is a lot of bad advice regarding insurance coverage online, but in just a couple of minutes you can learn a bunch of ideas how to find cheap insurance coverage.

Seven discounts for cheaper insurance rates

Buying insurance is not cheap, but there could be significant discounts that you may not know about. Certain discounts will be triggered automatically when you complete an application, but a few must be manually applied in order for you to get them.

  • Onboard Data Collection – People who choose to allow driving data submission to track driving patterns by using a telematics device such as State Farm’s In-Drive could save a few bucks if their driving habits are good.
  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts can save 10% or more on medical payment and PIP coverage.
  • Mature Driver Discount – Drivers over the age of 55 can get a small discount on rates on Grand Prix coverage.
  • Switch and Save Discount – A few companies give discounts for buying a policy prior to your current policy expiring. You can save around 10% with this discount.
  • Discount for Life Insurance – Not all companies offer life insurance, but some may give you better rates if you take out life insurance.
  • E-sign Discounts
  • Waiver for an Accident – This one is not really a discount per se, but some companies like Liberty Mutual, Allstate and State Farm permit an accident without getting socked with a rate hike so long as you haven’t had any claims for a certain period of time.

Please keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, insurance companies aren’t that generous.

Larger insurance companies and a summarized list of policyholder discounts include:

  • Progressive may include discounts for continuous coverage, homeowner, good student, online quote discount, multi-vehicle, online signing, and multi-policy.
  • Geico policyholders can earn discounts including federal employee, anti-lock brakes, military active duty, driver training, seat belt use, good student, and multi-vehicle.
  • State Farm may have discounts that include good driver, anti-theft, Steer Clear safe driver discount, accident-free, and multiple policy.
  • Esurance offers premium reductions for good student, multi-policy, emergency road assistance, anti-lock brakes, renters, and multi-car.
  • The Hartford may offer discounts for vehicle fuel type, driver training, good student, anti-theft, bundle, and defensive driver.

Check with every company what discounts are available to you. Some of the earlier mentioned discounts might not apply in your state.

How to buy auto insurance

Most larger insurance companies such as State Farm, Allstate and Geico make it easy to get coverage price quotes direct online. Getting prices online is quite simple as you simply enter the coverages you want into the quote form. When complete, the quote system obtains reports for credit and driving violations and provides a quote. Online price estimates simplifies rate comparisons, but the time it takes to visit many different websites and fill out multiple forms can be a bit repetitive. Unfortunately, it is important to get many rate quotes in order to find a better rate.

Compare rates the easy way

An easier way to compare rates uses one simple form that gets price quotes from more than one company. It saves time, eliminates repetitive work, and makes comparison shopping much simpler. After sending the form, your coverage is rated with multiple companies and you can pick your choice of the quotes that you receive.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. The entire process can be completed in less than 10 minutes and may save quite a bit of money.

To save time and compare rates now, click here and enter your vehicle and coverage information. If you have your current policy handy, we recommend you input deductibles and limits identical to your current policy. Using the same limits helps guarantee you will get a fair comparison using the same coverage and limits.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. These are some specific questions could help you determine whether your personal situation would benefit from professional advice.

  • When would I need additional glass coverage?
  • Is pleasure use cheaper than using my 1990 Pontiac Grand Prix to commute?
  • Does my insurance cover my expensive audio equipment?
  • Can I drive in Mexico and have coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Are split liability limits better than a combined single limit?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Coverages available on your policy

Knowing the specifics of your insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most insurance policies.

Liability

This coverage can cover injuries or damage you cause to people or other property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as repair bills for other people’s vehicles, pain and suffering and structural damage. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your 1990 Pontiac Grand Prix.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Auto collision coverage

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like sustaining damage from a pot hole, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for bills such as prosthetic devices, pain medications, funeral costs, EMT expenses and ambulance fees. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, theft, hitting a deer, rock chips in glass and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Save your hard earned cash

When you buy auto insurance online, you should never buy poor coverage just to save money. Too many times, drivers have reduced full coverage only to discover later that the savings was not a smart move. The aim is to buy the best coverage you can find for the lowest cost but still have enough coverage for asset protection.

Some insurance providers do not offer internet price quotes and usually these regional carriers only sell coverage through independent agencies. Lower-priced auto insurance can be sourced online as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates.

More information can be found below:

Comments About 1990 Pontiac Grand Prix Insurance

  1. Johna Gillespie

    My 1990 Pontiac Grand Prix is faster than yours.

  2. Sachiko Spencer

    Does State Farm insure at replacement cost?

  3. Angelika Holland

    If you have a good history and live near Reno, NV, check out State Farm. They seem to be cheaper. Insured with State Farm before.

  4. Gwenn Haney

    State Farm is cheapest in New Jersey! :)

  5. Laureen Park

    In Lexington, KY, American Family had the best rates for my 1990 Pontiac Grand Prix. Just liability coverage since it’s getting old.

  6. Everett Collier

    Lots of useful info here. I live in a small town just outside of Tacoma, WA. Quoted a bunch of companies. Saved about $20 a month. 21st Century was the best choice for me. Insured with Hartford before. It’s still not cheap enough.

  7. Kirstin Lancaster

    From a town just southwest of Aberdeen, SD. I got free prices from Progressive, Hartford, and Farmers for my Pontiac and I’m now saving $22 a month. When should I drop full coverage?

  8. India James

    Hope my rates come down. Went with Western Auto Insurance for my Grand Prix and cut my rates about $90 a year. Was with Amica. :P

  9. Yanira Page

    I can’t pay high rates. I’m just south of Tacoma, WA. Compared rates from a lot of places. Saved about $20 a month. 21st Century was the cheapest for me. Insured with Progressive before.