Cheap 2003 Pontiac Grand Prix Insurance Quotes

Looking for lower insurance rates? Shoppers have many options when shopping for the lowest priced Pontiac Grand Prix insurance. You can either waste hours struggling with agents to compare prices or utilize the internet to make rate comparisons. There are both good and bad ways to buy insurance and we’ll show you the best way to compare rates for a new or used Pontiac and obtain the cheapest rates either online or from local insurance agents.

It’s important to price shop coverage yearly because prices change regularly. Even if you got the best rates on Grand Prix coverage six months ago there is a good chance you can find better premium rates now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the only way to buy cheaper insurance.

Insurance coverage policy discounts you can’t miss

Companies don’t list every discount they offer very clearly, so here is a list some of the best known and the more hidden credits available to bring down your rates.

  • Renewal Discounts – A few companies give discounts for renewing your policy before your current coverage expires. It’s a savings of about 10%.
  • Include Life Insurance and Save – Not all companies offer life insurance, but some may give you lower premium rates if you buy some life insurance too.
  • Accident Forgiveness Coverage – This one is not really a discount per se, but certain companies will let one accident slide without the usual rate increase if you have no claims for a particular time prior to the accident.
  • Responsible Driver Discounts – Safe drivers can save up to 40% or more on their auto insurance quote on Grand Prix coverage compared to rates paid by drivers with frequent claims.
  • Telematics Data – Drivers who elect to allow driving data submission to look at when and where they use their vehicle remotely such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they are good drivers.
  • Defensive Driver Discounts – Participating in a defensive driving class can save you 5% or more and easily recoup the cost of the course.

Drivers should understand that most discounts do not apply the the whole policy. Most only cut specific coverage prices like liability and collision coverage. Despite the fact that it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

To see companies that offer the discounts shown above, click here.

How to get free car insurance quotes online

There are several ways to shop for car insurance, but some are more efficient than others. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could use the internet for quick rates.

All the larger companies take part in a program that enables customers to complete one form, and at least one company returns a rated price based on the submitted data. This saves time by eliminating quote requests for each company.

To fill out one form to compare multiple rates now click here to open in new window.

The single downside to comparing rates this way is you cannot specify which providers you want to price. If you prefer to choose specific providers to compare prices, we put together a list of the cheapest car insurance companies in your area. Click here to view list.

Whichever way you use, make absolute certain that you use equivalent coverage limits and deductibles on every quote. If each company quotes different deductibles it will be next to impossible to get a fair rate comparison.

Insurance agents can help

When buying adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Every insured’s situation is different.

For example, these questions may help you determine whether or not you could use an agent’s help.

  • How can I force my company to pay a claim?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I pay less if my vehicle is kept in my garage?
  • How much liability do I need to cover my assets?
  • Does my personal policy cover me when driving out-of-state?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverages and their meanings

Knowing the specifics of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2003 Pontiac Grand Prix.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Collision coverages – Collision coverage will pay to fix damage to your Grand Prix caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, rolling your car, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Liability car insurance – Liability coverage will cover damage that occurs to other’s property or people that is your fault. It protects YOU from legal claims by others. 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. As an example, you may have liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like repair bills for other people’s vehicles, structural damage, emergency aid, funeral expenses and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for immediate expenses such as chiropractic care, pain medications, EMT expenses and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, fire damage and hitting a bird. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

In any little way, save everyday

In this article, we presented a lot of tips how to shop for 2003 Pontiac Grand Prix insurance online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the lowest premium rates are with a smaller regional carrier.

People who switch companies do it for a variety of reasons including denial of a claim, being labeled a high risk driver, unfair underwriting practices or not issuing a premium refund. It doesn’t matter what your reason, finding a new auto insurance company can be pretty painless.

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. In many cases, an insured cut uninsured motorist or liability limits to discover at claim time that the savings was not a smart move. The aim is to buy a smart amount of coverage at the best possible price and still be able to protect your assets.

Additional learning opportunities

Comments About 2003 Pontiac Grand Prix Insurance

  1. Derick Miranda

    Mine is so expensive. Checking in from Indianapolis, Indiana. Quoted with GEICO, AIG Insurance, Eastwood, and Hartford for my Grand Prix and am saving around $90 a year. Switched homeowners coverage too. I got a quote from their website.

  2. Marx Stanley

    I got decent rates for a 2003 Pontiac Grand Prix in Bismarck, ND. Ended up at about $110 every six months with AIG Insurance.

  3. Loren Duke

    Affordable car insurance is a myth. Live in the southern part of Warwick, RI. I quoted with AIG Insurance, Nationwide, and USAA for my Grand Prix and I’m now saving $10 a month.

  4. Cherlyn Rivera

    I live north of Providence, Rhode Island. Can’t remember who all I quoted but I ended up saving about $30 each month. Have a couple speeding tickets too. Did it all online. I dropped full coverage awhile back.

  5. Cheyenne Wilkins

    From a town just southwest of Nashville, TN. Received quotes with Auto-Owners, Eastwood, and Mercury for my Grand Prix and saved just over $80 a year. Insured with Progressive before. I’m a pretty low risk driver. I recommend comparing lots of rates.

  6. Wilma Avery

    Will 21st Century cancel my policy for a liability claim?

  7. Jenny Juarez

    I got decent rates for a 2003 Pontiac Grand Prix in Lewiston, Maine. Ended up at right around $110 every six months with AIG Insurance. Have an at-fault accident tho. I used their online quote form to compare rates.

  8. Norberto Nicholson

    I’ve had GEICO for years. I’m in Wichita, KS.

  9. Linn Larsen

    I found pretty cheap rate quotes for a 2003 Pontiac Grand Prix in Shreveport, LA. Ended up at roughly $90 every six months with Amica. A clean driving record helps. Next renewal I’ll just do liability.

  10. Lester Marsh

    Not sure what I should be paying. Proud to be from Eugene, OR. Quoted with Amica, Sentry, and Travelers for my Grand Prix and am saving around $60 a year. Have an at-fault accident tho. Not sure about claim service. I dropped full coverage awhile back.

  11. Lilian Drake

    Does Allstate do SR22s in New Jersey?