Cheaper 1996 Pontiac Grand Prix Insurance Quotes

Looking for lower auto insurance rates for your Pontiac Grand Prix? Did you fall for a flashy sales pitch and buy overpriced auto insurance? Don’t feel bad because there are many people just like you.

Because there are so many auto insurance companies to choose from, it can be hard to pick the most cost effective insurance company.

It’s a good habit to quote other rates quite often because auto insurance rates trend upward over time. Despite the fact that you may have had the lowest rate on Grand Prix coverage last year there is a good chance you can find better prices now. You can search a lot of auto insurance on the web, but in this article, you’re going to get the easiest ways to quit paying high auto insurance rates.

Finding cheaper auto insurance is not that difficult. Basically, anyone who is required by state law to have auto insurance stands a good chance to be able to find better rates. But drivers benefit from understanding the way companies market on the web and take advantage of how the system works.

Buy insurance online

Most larger insurance companies such as State Farm and Allstate allow consumers to get prices for coverage on the web. Comparing prices online is very simple because it’s just a matter of typing in the amount of coverage you want as requested by the quote form. Once you submit the form, their quoting system will obtain your driving and credit reports and returns a price quote based on the information you submitted. This makes comparing rates easy, but the work required to visit a lot of sites and type in the same information can be a bit tiresome and repetitive. But it’s also necessary to get many rate quotes if you want to find a better rate.

Keep reading for an easier way to compare prices

The smarter way to lower your insurance bill uses just one form to get prices from several different companies. It’s a real time-saver, helps eliminate reptitive entry, and makes price shopping online a lot less work. After sending your information, it gets priced and you are able to buy your choice of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The whole process just takes a couple of minutes and may save quite a bit of money.

To find out if lower rates are available, simply click here to open in new window and complete the simple form. To compare your current rates, we recommend you complete the form with the limits and deductibles identical to your current policy. Using the same limits helps guarantee you will have a price comparison based on similar coverages.

Get lower-cost insurance coverage with discounts

The cost of insuring your cars can be expensive, but you might be missing out on some discounts that can help lower your rates. A few discounts will be applied at the time of purchase, but less common discounts must be specially asked for before being credited.

• Pay Upfront and Save – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid monthly service charges.
• Memberships – Having an affiliation with qualifying employment or professional organizations is a good way to get lower rates when shopping for insurance coverage.
• Anti-theft System – Cars and trucks with anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
• Save over 55 – Older drivers could receive a small discount on rates on Grand Prix coverage.
• Switch and Save Discount – A few companies offer discounts for signing up before your current policy expires. Ten percent is about the average savings.
• Discount for Multiple Policies – If you combine your auto and home policies with one insurance company you will save over 10 percent off each policy depending on the company.
• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy life insurance from them.
• Defensive Driver Discount – Taking a safe driver course can save you 5% or more and also improve your driving technique.

Drivers should understand that most discount credits are not given to the entire cost. Most only apply to individual premiums such as liability and collision coverage. So even though you would think you would end up receiving a 100% discount, companies don’t profit that way.

Car insurance companies that may have some of the above discounts include:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

When getting free insurance quotes, it’s a good idea to every prospective company the best way to save money. All car insurance discounts may not be available in your state. To locate insurers that offer multiple discounts, click this link.

The Pontiac Grand Prix insurance rate equation

An important part of buying insurance is that you know some of the factors that help calculate the level of your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this allows you to make good choices that could result in lower auto insurance prices.

The items below are a few of the “ingredients” companies use to determine rates.

• Policy add-ons could be costing you – There are a lot of additional coverages that you can buy on your Grand Prix policy. Insurance for rental car coverage, accidental death, and membership fees may be costing you every month. These may sound like a good investment initially, but if you have no use for them eliminate them to save money.
• Liability coverage limits should be high – A critical coverage on your policy, liability insurance will provide protection if a court rules you are at fault for causing damage or personal injury in an accident. Your liability coverage provides legal defense coverage which can cost a lot. It is affordable coverage as compared to coverage for physical damage, so do not skimp.
• Tough vocation may mean higher auto insurance rates – Did you know your auto insurance rates can be affected by your occupation? Careers like lawyers, business owners and stock brokers generally pay higher rates than the rest of us due to intense work situations and extremely grueling work hours. On the other hand, occupations such as scientists, historians and homemakers generally pay rates lower than average on Grand Prix coverage.
• Credit score impact auto insurance rates – Your credit score is likely to be a major factor in determining what you pay. Consumers who have excellent credit tend to file fewer claims and have better driving records as compared to drivers with bad credit. If your credit can be improved, you could potentially save money when insuring your 1996 Pontiac Grand Prix by repairing your credit.
• Higher comp and collision deductibles are cheaper – Physical damage deductibles are the amount of money you are willing to pay if the claim is covered. Protection for physical damage, aka comp and collision, insures against damage to your car. Some instances where coverage would apply are rearending another vehicle, damage caused by hail, and damage caused by road hazards. The higher the amount you have to pay, the lower your rates will be on Grand Prix coverage.
• lapses raise rates – Driving without insurance coverage in place can get you a ticket and as a result your rates will increase for letting your coverage have a gap. Not only will you pay more, being ticketed for driving with no insurance might get you a license revocation or jail time. You could then be forced to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
• Discounts for theft deterrents – Owning a car with advanced anti-theft systems can help lower your rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft and help bring rates down.
• Is insurance cheaper for men or women? – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Women and men cause auto accidents in similar numbers, but the males get into accidents with more damage. In addition to higher claims, males also get cited for more serious violations like DUI and reckless driving.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different so your insurance needs to address that. For example, these questions may help highlight whether you would benefit from professional advice.

• Does coverage extend to my business vehicle?
• Who is covered when they drive my 1996 Pontiac Grand Prix?
• Will I be non-renewed for getting a DUI or other conviction?
• What is UM/UIM insurance?
• Do I need motorclub coverage?
• What is PIP insurance?
• Can I afford to buy a different vehicle if my 1996 Pontiac Grand Prix is totaled?
• Should I get collision insurance on every vehicle?
• Should I drop comprehensive coverage on older vehicles?
• Do I have coverage if my license is suspended?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Car insurance coverage basics

Having a good grasp of car insurance helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages offered by car insurance companies.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, damage from getting keyed and rock chips in glass. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability – Liability coverage can cover injuries or damage you cause to other’s property or people. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as emergency aid, loss of income and court costs. How much coverage you buy is up to you, but buy as much as you can afford.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally these coverages do not exceed the liability coverage limits.

Medical expense insurance – Med pay and PIP coverage provide coverage for bills for things like X-ray expenses, chiropractic care, funeral costs, prosthetic devices and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverage – This coverage pays to fix your vehicle from damage 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 insurance covers claims like driving through your garage door, colliding with a tree, colliding with another moving vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

You can do this!

We just covered some good ideas how you can shop for 1996 Pontiac Grand Prix insurance online. The key concept to understand is the more companies you get prices for, the higher your chance of finding cheaper insurance. You may even find the biggest savings come from a smaller regional carrier. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

As you shop your coverage around, do not skimp on critical coverages to save a buck or two. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy the best coverage you can find at the lowest possible cost, but don’t skip important coverages to save money.

For more information, feel free to visit the following helpful articles:

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• A Tree Fell on Your Car: Now What? (Allstate)
• Auto Insurance Learning Center (State Farm)