Compare 1993 Pontiac Grand Prix Insurance Rates

Have you finally had enough of scraping the payment together to insure your Pontiac every month? You’re in the same situation as many other consumers. Since drivers have many insurance coverage companies to choose from, it is hard for the average consumer to locate the most cost effective insurance coverage provider.

How you can control Pontiac Grand Prix insurance costs

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that play a part in calculating the level of your policy premiums. If you know what determines premiums, this allows you to make educated decisions that could result in much lower annual insurance costs.

The itemized list below are some of the major factors used by companies to determine your prices.

• Limits of liability – The liability coverage on your policy is the coverage that protects you when a jury decides you are liable for an accident. It will provide legal defense coverage which can cost a lot. This coverage is very inexpensive compared to other policy coverages, so drivers should carry high limits.
• Prices are affected by your address – Living in a small town has it’s advantages when shopping for auto insurance. Lower population translates into fewer accident claims in addition to lower liability claims Residents of big cities regularly have more aggressive driving styles and higher rates of accident claims. More time on the road statistically corresponds to a higher accident and claim rate.
• Your gender affects premiums – Over time, data shows that females take fewer risks when driving. Now that doesn’t mean men are WORSE drivers than women. Men and women cause auto accidents in similar numbers, but men get into accidents with more damage. Men also get higher numbers of serious violations like DUI and reckless driving. Teenage male drivers cause the most accidents and therefore have the most expensive auto insurance rates.
• Tickets mean higher rates – Your driving record has a big impact on rates. Getting just one driving citation may cause rates to rise substantially. Drivers with clean records have lower premiums as compared to careless drivers. Drivers with multiple citations such as reckless driving or DUI may need to maintain a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.
• Advanced alarms and GPS tracking – Purchasing a vehicle with a theft deterrent system can help lower your premiums. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
• Safety first – Vehicles with good safety scores are cheaper to insure. Safer cars protect occupants better and fewer injuries translates directly to fewer claims passed on to you as lower rates.
• The higher your credit rating the lower your premiums – Having a good credit score can be an important factor in your rate calculation. If your credit history is lower than you’d like, you could save money insuring your 1993 Pontiac Grand Prix by improving your credit score. People that have excellent credit scores tend to be better risks to insure than those with bad credit.
• Combine and save – Most larger auto insurance companies will award lower prices to policyholders who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, it’s always a smart idea to check prices from other companies to make sure you are getting the best deal.

Find discounts on insurance coverage

Not many people think insurance is cheap, but you may qualify for discounts to help bring down the price. Some trigger automatically when you purchase, but a few must be requested specifically in order for you to get them.

• Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
• Senior Citizen Rates – Mature drivers may receive a discount up to 10% for Grand Prix coverage.
• Discounts for Cautious Drivers – Drivers who avoid accidents could pay up to 40% less for Grand Prix coverage than drivers with accidents.
• Club Memberships – Belonging to certain professional organizations is a simple method to lower premiums on your policy.
• Pay Upfront and Save – By paying your policy upfront instead of paying each month you can avoid monthly service charges.
• Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
• Good Grades Discount – Maintaining excellent grades can earn a discount of 20% or more. This discount can apply up to age 25.
• Theft Deterent System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and can earn a small discount on your policy.

We need to note that some of the credits will not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, you’re out of luck.

A few companies who may offer some of the above discounts possibly include:

• AAA
• Progressive
• State Farm
• Esurance
• Nationwide

When comparing rates, check with each company to apply every possible discount. Some of the discounts discussed earlier may not apply to policies in your area. If you would like to view insurance coverage companies that offer discounts, follow this link.

Auto insurance savings promises

Consumers can’t get away from all the ads that claim the lowest car insurance rates by companies like Progressive, Allstate and Geico. They all seem to make an identical promise of big savings if you just switch your auto insurance policy to them.

How is it plausible that every one can say the same thing? This is the trick they use.

Insurance providers have specific criteria for the driver that is profitable for them. For instance, a driver they prefer may need to be between the ages of 40 and 55, insures multiple vehicles, and drives a safe vehicle. A customer who matches those parameters will probably get the lowest rates and as a result will probably save when switching.

Drivers who don’t measure up to the “perfect” profile may be required to pay a higher premium with the end result being the customer not purchasing. If you listen to the ad wording, they say “customers that switch” not “everyone that quotes” save the amount stated. That’s why insurance companies can confidently advertise the savings. This really emphasizes why you really need to do a price quote comparison at every renewal. You cannot predict which company will have the lowest car insurance rates for your situation.

Tailor your insurance coverage coverage to you

When it comes to buying coverage, there isn’t really a “perfect” insurance plan. Every situation is different so your insurance needs to address that. For instance, these questions may help you determine whether or not you might need professional guidance.

• How can I find cheaper teen driver insurance?
• Is my cargo covered for damage or theft?
• What is medical payments coverage?
• If I drive on a suspended license am I covered?
• Is my ex-spouse still covered by my policy?
• When should I buy a commercial auto policy?
• Does my insurance cover a custom paint job?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Coverages available on your policy

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types offered by insurance companies.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, hitting a bird, a broken windshield and hail damage. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage protection

This coverage covers damage to your Grand Prix resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, crashing into a building, sustaining damage from a pot hole, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like chiropractic care, EMT expenses and surgery. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Auto liability

Liability insurance can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as attorney fees, court costs, repair costs for stationary objects, pain and suffering and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

One last thing

When you buy insurance online, never skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to regret that the savings was not a smart move. Your strategy should be to buy enough coverage for the lowest price.

More affordable car insurance is possible from both online companies as well as from insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance providers may not have the ability to get quotes online and many times these regional insurance providers prefer to sell through independent insurance agencies.

More tips and info about car insurance can be found by following these links:

• Insuring a Leased Car (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Electronic Stability Control FAQ (iihs.org)
• Information for Teen Drivers (Geico)
• Coverage Information (Progressive Insurance)
• Choosing an Insurance Company (Insurance Information Insitute)