Save on 2000 Pontiac Grand Prix Insurance Quotes

If you’re shopping for cheaper insurance, are you baffled by the number of car insurance providers in your area? Lot’s of other drivers are too. There are so many providers available that it is a difficult situation to find lower rates.

What affects Pontiac Grand Prix insurance rates?

Many things are used in the calculation when quoting car insurance. Most are fairly basic such as traffic violations, although some other factors are less obvious such as whether you are married or your vehicle rating.An important part of buying insurance is that you know some of the things that help calculate your premiums. When consumers understand what determines premiums, this helps enable you to make changes that may reward you with lower car insurance prices.

• Vehicle features that cut car insurance rates – Purchasing a vehicle that has an advanced theft prevention system can save you some money. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent auto theft.
• Your address can impact rates – Being located in areas with lower population can be a good thing when it comes to car insurance. Lower population means fewer accidents and also fewer theft and vandalism claims. Urban drivers tend to have more auto accidents and more time behind the wheel. Longer commute distances means more chance of being in an accident.
• Age of drivers – Beginning drivers are proven to be easily distracted when at the wheel of a vehicle therefore car insurance rates are much higher. Having to add a inexperienced driver to your car insurance policy can really hurt. Older, more experienced drivers have been proven to be more responsible, cost insurance companies less in claims and receive fewer citations.
• Drive less and save – Driving more miles every year the higher your rate. Most companies price each vehicle’s coverage based on their usage. Cars that sit idle most of the time receive lower rates as compared to vehicles used primarily for driving to work. Incorrect rating for your Grand Prix is throwing money out the window. Make sure your car insurance policy states the proper vehicle usage, because improper ratings can cost you money.
• Your occupation may affect prices – Occupational choices like judgespolice officers and stock brokers have higher rates than average attributed to intense work-related stress and lots of time spent at work. On the flip side, careers like farmers, historians and the unemployed generally pay rates lower than average for Grand Prix coverage.
• Lower rates for married couples – Getting married actually saves money when shopping for car insurance. It demonstrates that you tend to be more mature and insurance companies reward insureds because married drivers tend to file fewer claims.
• Traffic violations will cost you – Your driving citation history has a huge affect on how much you pay. Only having one chargable violation can increase rates substantially. Careful drivers have lower premiums compared to drivers with tickets. Drivers who get careless violations such as reckless driving, hit and run or driving under the influence may need to maintain a SR-22 with their state’s department of motor vehicles in order to legally drive a vehicle.
• Guys pay more for car insurance – The statistics show females are less aggressive when driving. Now that doesn’t mean males are worse at driving than females. Males and females are responsible for auto accidents in similar numbers, but guys cause more damage and cost insurance companies more money. Not only are claims higher, but men receive more major tickets such as reckless driving. Young men ages 16 to 20 have the highest risk to insure so they pay the highest premiums.

Don’t overlook these insurance coverage discounts

Insuring your vehicles can cost a lot, but you may qualify for discounts that you may not even know about. Some discounts will apply when you quote, but once in a while a discount must be specially asked for prior to receiving the credit.

• Paper-free Discount – A few insurance coverage companies will give a small break for buying your policy on the internet.
• Fewer Miles Equal More Savings – Keeping the miles down on your Pontiac could be rewarded with lower rates due to less chance of an accident.
• Multiple Vehicles – Buying a policy with more than one vehicle on a single policy could earn a price break for each car.
• Distant Student – College-age children living away from home attending college and do not have access to a covered vehicle may be insured at a cheaper rate.
• Military Discounts – Being on active deployment in the military could qualify you for better premium rates.
• Safety Course Discount – Passing a class that teaches safe driver techniques could save 5% or more and make you a better driver.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education if it’s offered in school.
• Professional Memberships – Having an affiliation with qualifying clubs or civic groups could trigger savings when getting a insurance quote.

Discounts save money, but please remember that some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, nobody gets a free ride.

A list of insurance coverage companies and a summarized list of policyholder discounts include:

• Geico has discounts for federal employee, driver training, membership and employees, five-year accident-free, anti-theft, and multi-vehicle.
• SAFECO offers premium reductions for safe driver, homeowner, multi-car, teen safe driver, anti-theft, accident prevention training, and teen safety rewards.
• State Farm may have discounts that include driver’s education, multiple policy, student away at school, passive restraint, good driver, and Drive Safe & Save.
• MetLife has savings for good driver, multi-policy, good student, accident-free, defensive driver, and claim-free.
• 21st Century may offer discounts for anti-lock brakes, teen driver, automatic seat belts, early bird, air bags, theft prevention, and homeowners.
• Progressive offers discounts including good student, multi-policy, continuous coverage, online signing, homeowner, and online quote discount.

When getting a coverage quote, ask every insurance company to give you their best rates. Some credits may not apply everywhere. To view companies who offer discounts, follow this link.

When to get professional advice

When it comes to choosing proper insurance coverage for your vehicles, there is no one size fits all plan. Every insured’s situation is different.

These are some specific questions may help you determine whether your personal situation might need an agent’s assistance.

• Why am I required to buy high-risk coverage?
• Is my 2000 Pontiac Grand Prix covered for flood damage?
• What happens if I owe more than my 2000 Pontiac Grand Prix is worth?
• What companies insure drivers after a DUI or DWI?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Do I need to file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance coverage breakdown

Understanding the coverages of insurance can help you determine the best coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Liability car insurance

This can cover damage that occurs to a person or their property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for things such as emergency aid, legal defense fees, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Pontiac Grand Prix.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical expenses

Med pay and PIP coverage kick in for immediate expenses such as pain medications, nursing services, funeral costs, ambulance fees and EMT expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

This coverage will pay to fix damage to your Grand Prix resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a ditch, hitting a mailbox, damaging your car on a curb, rolling your car and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, hitting a bird and theft. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Smart consumers save more

Cost effective 2000 Pontiac Grand Prix insurance can be sourced online in addition to many insurance agents, so get free insurance quotes from both of them to have the best rate selection. Some insurance companies don’t offer online price quotes and these small insurance companies provide coverage only through independent insurance agencies.

People leave their current company for any number of reasons including an unsatisfactory settlement offer, unfair underwriting practices, poor customer service and extreme rates for teen drivers. Whatever your reason, switching car insurance companies is pretty easy and you might even save some money in the process.

As you quote insurance, never buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. The proper strategy is to buy enough coverage at the best cost, not the least amount of coverage.

Helpful information

• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)
• Collision Insurance Coverage (Nationwide)