2006 Pontiac Grand Prix Insurance Quotes – 7 Savings Tips

Searching for the cheapest auto insurance rates for your Pontiac Grand Prix? Do you get exhausted from not being able to afford each month for auto insurance? Your situation is no different than many other consumers. Insurance companies such as State Farm, Geico and Farmers Insurance increase brand awareness with ad campaigns and it is difficult to ignore the flashy ads and take the time to shop coverage around.

Take advantage of every insurance discount

Car insurance is not cheap, but you may be missing some discounts that could help you make your next renewal payment. A few discounts will automatically apply at the time of quoting, but occassionally some discounts must be requested specifically before you get the savings.

• Multi-policy Discount – If you can bundle your auto and home insurance and insure them both with the same insurance company you could get a discount of approximately 10% to 15%.
• ABS Braking Discount – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
• Club Memberships – Having an affiliation with a qualifying organization could trigger savings on your next insurance statement.
• Discount for Low Mileage – Keeping the miles down on your Pontiac can earn substantially lower rates.
• Discounts for Good Drivers – Drivers who avoid accidents may receive a discount up to 45% for Grand Prix coverage than drivers with accident claims.
• Military Rewards – Having a deployed family member may qualify for rate reductions.
• Senior Citizens – Seniors may be able to get reduced rates for Grand Prix coverage.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as comp or med pay. Even though it appears you can get free auto insurance, insurance companies wouldn’t stay in business.

A few companies that may include some of the above discounts possibly include:

• State Farm
• Farmers Insurance
• Progressive
• Geico
• Auto-Owners Insurance
• The Hartford
• Farm Bureau
• USAA

When comparing rates, check with every insurance company which discounts they offer. Some of the earlier mentioned discounts may not apply everywhere. To see companies that have a full spectrum of discounts, click here.

How to know if you need help

When it comes to buying adequate coverage, there is no “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your situation would benefit from professional advice.

• Will I lose any money if I cancel my policy before it expires?
• If my 2006 Pontiac Grand Prix is totaled, can I afford another vehicle?
• Who is covered when they drive my 2006 Pontiac Grand Prix?
• What exactly is covered by my policy?
• What discounts do I qualify for?
• Am I better off with higher deductibles on my 2006 Pontiac Grand Prix?
• Is my dog or cat covered if injured in an accident?
• Why does it cost so much to insure a teen driver?
• Is my vehicle covered by my employer’s policy when using it for work?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Information about specific coverages

Knowing the specifics of car insurance helps when choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages offered by car insurance companies.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as chiropractic care, dental work and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, hail damage and hitting a deer. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2006 Pontiac Grand Prix.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision protection

This coverage will pay to fix damage to your Grand Prix resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like sideswiping another vehicle, sustaining damage from a pot hole, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Liability car insurance

Liability insurance will cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as bail bonds, loss of income, pain and suffering, legal defense fees and medical expenses. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

More quotes. Lower rates.

When you buy car insurance online, do not reduce coverage to reduce premium. There have been many cases where an accident victim reduced liability coverage limits and discovered at claim time that the savings was not a smart move. The ultimate goal is to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

Low-cost 2006 Pontiac Grand Prix insurance is attainable on the web and from local agencies, and you need to price shop both to have the best selection. A few companies don’t offer internet price quotes and many times these smaller providers provide coverage only through independent agencies.

More detailed car insurance information can be read by following these links:

• A Tree Fell on Your Car: Now What? (Allstate)
• Rental Car Insurance Tips (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)