1998 Pontiac Grand Prix Insurance Quotes

Want cheaper auto insurance rates for your Pontiac Grand Prix? If you are a novice to online auto insurance shopping, there’s a good chance you are bewildered due to the large number insurance agents and companies that all promise to save you money.

Smart consumers take time to compare premium rates once or twice a year since prices are variable and change quite frequently. Just because you found the best rates for Grand Prix insurance at your last renewal there may be better deals available now. Block out anything you think you know about auto insurance because you’re about to learn how to quote online to save on auto insurance.

Buying affordable car insurance is not that difficult. Just about everyone who is shopping for car insurance will most likely be able to find lower rates. Nevertheless, car owners must know how insurance companies sell insurance online and take advantage of how the system works.

Informed drivers save on insurance

When buying car insurance it’s important to understand a few of the rating criteria that help calculate the rates you pay for car insurance. If you have some idea of what controls the rates you pay, this enables you to make decisions that can help you get much lower annual insurance costs.

The factors shown below are some of the things used by companies to determine premiums.

Youthful drivers cost more – Young drivers are statistically shown to be more careless when driving therefore car insurance rates are much higher. Older people are more responsible, are lower risk to insure and tend to be get fewer driving tickets.
Alarm systems lower car insurance rates – Choosing to buy a car that has an advanced theft prevention system can save you some money. Systems that thwart theives like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent your car from being stolen.
Pay lower rates after the wedding – Walking down the aisle may save some money on your car insurance policy. It may mean you are more mature and responsible and it’s statistically proven that drivers who are married file infrequent claims.
Raise deductibles and save – Insurance for physical damage, termed comprehensive and collision coverage on your policy, helps pay for damage to your vehicle. Some examples of covered claims are a broken windshield, vandalism, and rolling your vehicle. Comp and collision deductibles define the amount you are willing to pay if you file a covered claim. The more damage repair cost you are required to pay out-of-pocket, the better rate you will receive for Grand Prix insurance.
High credit saves on car insurance – An insured’s credit history is a big factor in calculating your premium rate. Therefore, if your credit is low, you could pay less to insure your 1998 Pontiac Grand Prix if you clean up your credit. Consumers who have excellent credit tend to file fewer claims and have better driving records as compared to drivers with poor credit scores.
Multi-policy discounts can save money – Lots of car insurance companies will give discounts to policyholders that purchase more than one policy in the form of a multi-policy discount. Even if you qualify for this discount already, you still need to shop around to ensure the best deal.

Compare quotes for auto insurance

Effectively comparing auto insurance prices is a ton of work if you aren’t aware of the most efficient way. You can waste hours talking about coverages with insurance agencies in your area, or you could save time and use online quotes to maximize your effort.

Most major companies enroll in a system where insurance shoppers only type in their quote data once, and each participating company then returns a price quote based on that data. This saves time by eliminating repetitive form submissions to every company. To participate in this free quote system, click here to start a free quote.

One minor caviat to getting quotes like this is that you can’t choose which carriers you will receive quotes from. So if you want to select specific providers to compare, we put together a list of low cost auto insurance companies in your area. Click to view list.

Whichever method you choose, do your best to use the exact same information for each quote you get. If each company quotes unequal deductibles or liability limits you will not be able to determine which company has the best rates. Having just a slight variation in coverages can make a big difference in price. And when quoting auto insurance, remember that having more price comparisons increases your odds of finding a better price. Some companies don’t provide online price quotes, so it’s necessary to compare price quotes on coverage from those companies, too.

Discounts to earn cheap insurance coverage rates

Companies don’t necessarily list the entire discount list very well, so we took the time to find both the well known and also the lesser-known discounts that may be available.

Senior Citizen Rates – Seniors are able to get reduced rates for Grand Prix insurance.
Theft Prevention Discount – Cars equipped with anti-theft or alarm systems help deter theft and can earn a small discount on your policy.
Defensive Driver Discounts – Passing a class that teaches defensive driving techniques could save 5% or more depending on where you live.
Multi-policy Discount – If you have multiple policies with the same insurance company you will save up to 20% off your total premium.
Discount for Swiching Early – A few insurance coverage companies give discounts for renewing your policy prior to the expiration date on your current policy. It can save you around 10%.
Drivers Education – Have your child successfully complete driver’s ed class as it will make them better drivers and lower rates.
No Claim Discounts – Insureds with no claims or accidents can save substantially compared to drivers with a long claim history.

Discounts lower rates, but most discounts do not apply to the entire cost. A few only apply to individual premiums such as comprehensive or collision. If you do the math and it seems like adding up those discounts means a free policy, you’re out of luck. But all discounts will help lower your insurance coverage premiums.

Companies that may offer policyholders most of the discounts above include:

When quoting, ask each insurance company which discounts you may be entitled to. A few discounts might not be offered on policies in your area. To see a list of insurance companies with discount rates, click this link.

Tailor your car insurance coverage to you

When choosing coverage for your vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether you will benefit from professional help.

Am I covered if I wreck a rental car?
Is rental equipment covered for theft or damage?
Am I covered when using my vehicle for business?
Do I need an umbrella policy?
Should I buy more coverage than the required minimum liability coverage?
Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form.

Learn about insurance coverages for a 1998 Pontiac Grand Prix

Knowing the specifics of a insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers – This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1998 Pontiac Grand Prix.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, vandalism, hitting a deer and damage from flooding. The highest amount a insurance company will pay at claim time 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.

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as driving through your garage door, crashing into a building and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Liability auto insurance – Liability insurance will cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like repair costs for stationary objects, emergency aid and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for prosthetic devices, X-ray expenses, doctor visits and dental work. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Pennies from heaven

Lower-priced 1998 Pontiac Grand Prix insurance can be sourced on the web and from local agencies, so get free insurance coverage quotes from both of them to have the best selection. Some insurance companies may not offer price quotes online and many times these smaller companies sell through independent insurance agents.

In this article, we covered many ways to get a better price on 1998 Pontiac Grand Prix insurance. It’s most important to understand that the more you quote insurance coverage, the better your comparison will be. Consumers may even find the best prices are with some of the smallest insurance companies.

When buying insurance coverage, never sacrifice coverage to reduce premiums. In many cases, someone sacrificed liability limits or collision coverage only to regret they didn’t have enough coverage. The goal is to find the BEST coverage at the best price, but do not skimp to save money.