Cheaper 1994 Pontiac Grand Prix Insurance Quotes

Shoppers have lots of choices when shopping for affordable Pontiac Grand Prix insurance. They can either waste time contacting agents to get rate comparisons or save time using the internet to make rate comparisons.

There is a better way to shop for car insurance and we’ll show you the quickest way to quote coverages for a new or used Pontiac and locate the best price possible from local insurance agents and online providers.

Consumers need to compare rates quite often because rates are usually higher with each renewal. Even if you got the best deal for Grand Prix insurance a year ago there is a good chance you can find better prices now. There is a lot of bad advice regarding car insurance online but in just a couple of minutes you can learn some good information on how to quit paying high car insurance rates.

If you have a policy now or are just looking to switch companies, you can follow these tips to reduce the price you pay and possibly find even better coverage. The purpose of this post is to tell you the best way to quote coverages and some money-saving tips. Drivers only need to know the best way to shop their coverage around over the internet.

Get more affordable insurance prices by understanding these factors

When buying insurance coverage it’s important to understand a few of the rating criteria that come into play when calculating the rates you pay for insurance coverage. If you know what influences your rates, this allows you to make good choices that could help you find lower rates. Lots of factors are used in the calculation when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but others are more transparent like your continuous coverage or how financially stable you are.

The items below are some of the factors companies use to determine prices.

• Multiple policies with one company – Some insurers afford lower prices to policyholders who carry more than one policy. It’s known as a multi-policy discount. Even with this discount applied, you still need to compare rates to make sure you are getting the best deal.There is a good possibility that you can find a better deal even if you insure with multiple companies
• Avoid unnecessary extra policy coverages – There are a ton of add-on coverages that sound like a good idea at the time but may not be useful. Coverage for things like vanishing deductibles, towing, and motor club memberships may not be needed and are just wasting money. The coverages may be enticing at first, but your money might be better spent on other coverage so think about removing them and cutting costs.
• Reduce rates by driving safer cars – Cars with high safety ratings tend to have lower insurance rates. Vehicles engineered for safety reduce injuries and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates. If your Pontiac Grand Prix is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
• Credit score impacts costs – Having a bad credit history factor in calculating your premium rate. So if your credit rating is low, you may save money insuring your 1994 Pontiac Grand Prix by improving your rating. Drivers who have good credit tend to be better risks to insure than drivers who have lower credit scores.
• Insurance is expensive for teen drivers – Beginning drivers are statistically proven to be more careless in a vehicle so insurance coverage rates are higher. If you’ve ever had to add a inexperienced driver to your policy can increase premiums substantially. Mature drivers tend to be more responsible, cost insurance companies less in claims and are safer drivers.
• Liability coverage limits on your policy – Your insurance coverage policy’s liability coverage will provide protection in the event that you are determined to be liable for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
• Does your employer cost you more? – Do you have a high-stress occupation? Occupations such as real estate brokers, executives and dentists have higher rates than the rest of us because of high stress levels and incredibly demanding work hours. On the other hand, jobs such as farmers, historians and retirees pay the least for Grand Prix insurance.

Take policy discounts and save

Companies offering auto insurance don’t always list the complete list of policy discounts in an easy-to-find place, so the following is a list of a few of the more common and also the more inconspicuous credits that may apply to you.

• 55 and Retired – If you’re over the age of 55, you can get a small discount on rates for Grand Prix insurance.
• Multiple Policy Discount – When you have multiple policies and place coverage with the same company you may earn up to 20% and get you the cheapest auto insurance.
• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 15% on medical payment and PIP coverage.
• Waiver for an Accident – Not a discount per se, but companies like Geico and Liberty Mutual will let one accident slide without raising rates if you are claim-free prior to the accident.
• Multi-car Discount – Purchasing coverage when you have all your vehicles on one policy qualifies for this discount.
• Telematics Devices – Drivers that enable their insurance coverage company to look at driving manner through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they have good driving habits.
• Own a Home and Save – Being a homeowner can earn you a little savings because it shows financial diligence.
• Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying in monthly installments you can avoid the installment charge.
• Good Student – Maintaining excellent grades could provide a savings of up to 20% or more. Most companies allow this discount until age 25.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Some only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like you could get a free insurance coverage policy, companies don’t profit that way.

To see providers that can offer you the previously mentioned discounts, click here.

Don’t believe everything you hear

Consumers can’t escape the ads for the lowest price insurance from companies such as Progressive, Geico, Allstate and State Farm. All the companies make an identical promise that drivers can save some big amount if you move your insurance policy to them.

How can each company charge lower premium rates?

Many companies quote their cheapest rates for the type of driver that will generate a profit. One example of this type of driver could possibly be between the ages of 40 and 55, is a homeowner, and drives newer vehicles. Any new insured that hits that “sweet spot” will qualify for the lowest premium rates and is almost guaranteed to save a lot of money.

People who do not meet the “perfect” profile will get a higher rate and this results in the customer not purchasing. If you listen to the ad wording, they say “drivers who switch” not “everyone that quotes” save that kind of money. That is how insurance companies can make it sound like they have such great car insurance rates.

Because of the profiling, you absolutely need to compare free auto insurance quotes often. You cannot predict which company will have the best rates.

Which policy gives me the best coverage?

When it comes to buying proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions could help you determine whether you might need an agent’s assistance.

• Do I need higher collision deductibles?
• Does having multiple vehicles earn me a discount?
• Is my ex-spouse still covered by my policy?
• Does my 1994 Pontiac Grand Prix need full coverage?
• Is other people’s property covered if stolen from my vehicle?
• When would I need rental car insurance?
• Is upholstery damage covered by car insurance?
• Am I covered when driving a rental car?
• Do I need added coverage for expensive stereo equipment?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Insurance coverage basics

Learning about specific coverages of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your 1994 Pontiac Grand Prix.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hail damage, rock chips in glass and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

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

Collision coverage pays for things like rolling your car, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses for X-ray expenses, prosthetic devices and dental work. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability insurance protects you from damages or injuries you inflict on a person or their property. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like funeral expenses, medical services, legal defense fees, bail bonds and loss of income. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Save for a rainy day

Discount 1994 Pontiac Grand Prix insurance can be found both online as well as from insurance agents, so you need to quote auto insurance with both to get a complete price analysis. There are still a few companies who may not offer online price quotes and usually these regional carriers only sell coverage through independent agents.

Drivers who switch companies do it for many reasons like delays in paying claims, delays in responding to claim requests, questionable increases in premium and unfair underwriting practices. Regardless of your reason for switching companies, finding a new company is pretty easy and you might even save some money in the process.

We’ve covered some good ideas how you can lower your 1994 Pontiac Grand Prix insurance rates. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding the cheapest auto insurance. Consumers could even find that the best price on insurance coverage is with a company that doesn’t do a lot of advertising.

Even more information can be found by following these links:

• Neck Injury FAQ (iihs.org)
• Information for Teen Drivers (Geico)
• Coverage Information (Progressive Insurance)
• Vehicle Size and Weight FAQ (iihs.org)
• Bodily Injury Coverage (Liberty Mutual)