1992 Pontiac Grand Prix Insurance Rates

Searching for better auto insurance rates for your Pontiac Grand Prix? Locating better insurance prices for a new or used Pontiac Grand Prix can normally be an all-consuming task, but you can follow our auto insurance buying tips to save time. There is a right way and a wrong way to shop for auto insurance so you’re going to learn the proper way to get price quotes for your Pontiac and locate the lowest possible price.

Consumers should take time to quote other rates on a regular basis since insurance prices are usually higher with each renewal. Despite the fact that you may have had the lowest quotes on Grand Prix insurance a year ago you may be paying too much now. There is too much inaccurate information about auto insurance online but in just a couple of minutes you can learn the best ways to lower your auto insurance rates.

Double check you’re getting with these discounts

Companies that sell car insurance don’t always publicize every disount available very well, so the following list contains a few of the more well known as well as the least known credits available to bring down your rates.

• Theft Deterent – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft so companies will give you a small discount.
• Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may get savings as much as 30%.
• Seat Belts Save – Forcing all vehicle occupants to fasten their seat belts can save 10% or more off the medical payments premium.
• Sign Online – Many companies provide a small discount for buying a policy and signing up online.
• No Claims – Insureds who avoid accidents and claims have much lower rates as compared to drivers who are more careless.

As a footnote on discounts, many deductions do not apply the the whole policy. The majority will only reduce individual premiums such as comp or med pay. Even though the math looks like all those discounts means the company will pay you, it just doesn’t work that way.

A partial list of companies that may offer quotes with many of the previously listed discounts include:

• State Farm
• Nationwide
• Geico
• AAA
• 21st Century
• The Hartford

Before you buy a policy, ask all the companies what discounts are available to you. All car insurance discounts may not be available in your area. To choose companies with the best discounts, click here to view.

Where can I get affordable insurance?

Many insurance companies allow you to get insurance quotes online. This process is very simple as you just enter on the page. Behind the scenes, their rating system collects credit information and your driving record and generates pricing information based on these and other factors.

Online price quotes makes it a lot easier to compare rates but the time it takes to visit a lot of sites and type in the same data is a big time waster. But it’s very important to perform this step if you want to get a better rate.

Compare rates the easy way

An easier way to find lower prices uses one form to obtain quotes from several different companies. The form is fast, requires less work, and makes online price comparison much more enjoyable. Once the form is submitted, your coverage is rated and you are able to buy your choice of the pricing results. If the quotes result in lower rates, you can simply submit the application and purchase coverage. The entire process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To compare rates using this form now, click here to open in a new tab and submit the form. If you have your current policy handy, we recommend you complete the form with the insurance coverages as shown on your current policy. This guarantees you will have comparison quotes for the exact same coverage.

Lower your insurance costs

Many different elements are used when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, but some are not quite as obvious like your vehicle usage or how safe your car is.A large part of saving on insurance is knowing some of the elements that are used to determine your premiums. If you know what determines base rates, this empowers consumers to make smart changes that could result in lower rates.

• Marriage can save you money – Having a spouse can actually save you money compared to being single. Marriage means you’re more mature than a single person and statistics show married drivers tend to file fewer claims.
• Save money by raising coverage deductibles – Comprehensive and collision coverage deductibles represent how much money you are required to pay before a claim is paid by your company. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some instances where coverage would apply are colliding with a stationary object, damage from fire, and damage caused by road hazards. The more money the insured is willing to pay, the less your insurance will be on Grand Prix insurance.
• Multiple policies with one company can save – Most major companies will give a discount to customers that buy multiple policies, otherwise known as a multi-policy discount. The amount of the discounts can be ten percent or more. Even though this discount sounds good, it’s always a smart idea to check prices from other companies to confirm you are receiving the best rates possible.
• Rental and towing coverage may not be needed – Policies have add-on coverages that sound like a good idea at the time if you aren’t careful. Coverage for things like personal injury protection, high-cost glass coverage, and term life insurance may be wasting your money. You may think they are a good idea when discussing your needs, but now you might not need them so eliminate them to save money.

Your situation helps dictate your coverage

When it comes to choosing proper insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine if you may require specific advice.

• Am I covered if I wreck a rental car?
• Should I put collision coverage on all my vehicles?
• What is the difference between comprehensive and collision coverage?
• Am I covered when delivering products for my home-based business?
• Should I bundle my homeowners policy with my auto?
• Is extra glass coverage worth it?
• Is upholstery damage covered by car insurance?
• How do I insure my teen driver?
• What if I total my 1992 Pontiac Grand Prix and owe more than it’s worth?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Can you really save if you switch?

Drivers can’t escape the ads for the lowest price insurance coverage from the likes of Progressive, Geico, Allstate and State Farm. All the companies state the claim that people will save just by moving your policy.

But how can every company offer drivers better rates?

Many companies have a certain “appetite” for the driver they prefer to insure. For example, a desirable insured might be between the ages of 30 and 50, owns their home, and the vehicle is rated for pleasure use. Someone that fits those parameters will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.

Potential customers who do not match those standards will be charged higher premiums which results in the customer not purchasing. If you listen closely, the ads state “people that switch” not “everyone who quotes” save the amount stated. That is how insurance companies can lure you into getting a quote. This really illustrates why you absolutely need to quote coverage with many companies. It is impossible to predict the company that will have the lowest rate quotes.

Parts of your car insurance policy

Knowing the specifics of a car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like X-ray expenses, doctor visits, pain medications and funeral costs. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Auto collision coverage

This coverage will pay to fix damage to your Grand Prix from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as backing into a parked car, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability insurance

Liability coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against things such as emergency aid, medical expenses, structural damage and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages

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

Comprehensive insurance covers things such as damage from getting keyed, a broken windshield and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Grand Prix.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

A penny earned…

When trying to cut insurance costs, do not skimp on coverage in order to save money. There are too many instances where an insured dropped liability coverage limits and found out when filing a claim that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at the best cost while still protecting your assets.

In this article, we presented some good ideas how to save on 1992 Pontiac Grand Prix insurance. The key thing to remember is the more providers you compare, the better your comparison will be. You may even discover the most savings is with a small mutual company.

Drivers switch companies for a number of reasons such as policy non-renewal, policy cancellation, high prices and even delays in responding to claim requests. Whatever your reason, finding a new company is less work than it seems.

For more information, take a look at the following helpful articles:

• State Car Insurance Guides (Geico)
• Airbag FAQ (iihs.org)
• Red Light Cameras (State Farm)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)