2008 Pontiac Grand Prix Car Insurance Quotes – 6 Ways to Save

Trying to find the cheapest insurance rates for your Pontiac Grand Prix? Sick and tired of not being able to scrape enough together to make your insurance payment? You’re in the same situation as millions of other drivers. Since you have so many choices of insurance companies, it’s difficult to choose the lowest price insurance provider.

Consumers need to take a look at other company’s rates before your next renewal because insurance prices are constantly changing. Even if you think you had the best rates for Grand Prix insurance a few years ago there may be better deals available now. Block out anything you think you know about insurance because you’re about to learn the best methods to properly buy coverages while reducing your premium.

The fastest way that we advise to compare insurance rates in your area is to know the fact most insurance companies participate in online systems to provide you with free rate quotes. All you need to do is take a few minutes to give details including if the car is leased, level of coverage desired, whether you are single or married, and which vehicles you own. The data is automatically sent to insurance companies and they return cost estimate immediately.

Misconceptions in insurance coverage advertisements

Consumers constantly see and hear ads that promise big savings by State Farm, Allstate and Geico. All the ads seem to make the promise that drivers will save a bundle if you move your coverage to them.

How does each company give you a lower rate? It’s all in the numbers.

Most companies have underwriting criteria for the type of customer that will most likely be profitable. One example of a preferred risk may need to be between the ages of 30 and 50, has no driving citations, and chooses high deductibles. Someone who meets those qualifications will get low premium rates and most likely will save money with a new company.

Potential customers who don’t measure up to those standards will be quoted higher rates and this can result in the customer buying from someone else. If you listen to the ad wording, they say “customers who switch” but not “everyone who gets a quote” save that kind of money. That’s why insurance companies can confidently make those claims. Because each company has a different risk profile, you absolutely need to compare free car insurance quotes often. It is just not possible to predict which insurance coverage company will have better prices than you’re paying now.

Lower rates by qualifying for these six discounts

Car insurance companies do not advertise all their discounts in a way that’s easy to find, so the next list breaks down both well-publicized as well as the least known credits available to bring down your rates.

• Discount for Low Mileage – Driving fewer miles may allow you to get lower rates due to less chance of an accident.
• Safety Restraint Discount – Requiring all passengers to buckle up can save a little off the medical payments premium.
• Student Discounts – Getting good grades can get you a discount of up to 25%. You can use this discount normally until age 25.
• Passive Restraints and Air Bags – Vehicles equipped with air bags may earn rate discounts of 25 to 30%.
• ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
• Save with a New Car – Putting car insurance coverage on a new car can save you some money because newer models keep occupants safer.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like it’s possible to get free car insurance, companies don’t profit that way.

Popular car insurance companies and some of the premium reductions they offer are included below.

• State Farm offers discounts for anti-theft, defensive driving training, driver’s education, good student, good driver, and accident-free.
• Farmers Insurance may offer discounts for mature driver, early shopping, teen driver, electronic funds transfer, switch companies, youthful driver, and multi-car.
• Progressive offers discounts including homeowner, continuous coverage, good student, multi-vehicle, and online quote discount.
• Geico has discounts for anti-lock brakes, air bags, five-year accident-free, federal employee, driver training, and good student.
• Auto-Owners Insurance may include discounts for good student, anti-theft, multiple vehicles, safe vehicle, and teen driver.
• The Hartford includes discounts for good student, driver training, bundle, vehicle fuel type, air bag, defensive driver, and anti-theft.
• Farm Bureau discounts include multi-policy, safe driver, driver training, youthful driver, good student, multi-vehicle, and renewal discount.
• USAA offers premium reductions for good student, vehicle storage, military installation, loyalty savings, multi-vehicle, and multi-policy.

Check with each insurance company which discounts you qualify for. Some discounts listed above might not be available to policyholders in every state. If you would like to choose from a list of providers who offer free car insurance quotes, click here.

Insurance is unique, just like you

When it comes to buying the right insurance coverage, there really is no “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions might point out if your situation would benefit from professional advice.

• What is the minimum liability in my state?
• Do I need to file an SR-22 for a DUI in my state?
• How many claims can I have before being cancelled?
• When should I not file a claim?
• Does my personal policy cover me when driving out-of-state?
• Am I missing any policy discounts?
• Should I buy more coverage than the required minimum liability coverage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Where can I find high-risk insurance?
• Is my Pontiac Grand Prix covered if I use it for business?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It is quick, free and can help protect your family.

Insurance coverage options for a Pontiac Grand Prix

Knowing the specifics of your insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. These are typical coverages found on the average insurance policy.

Comprehensive insurance – This will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, hitting a bird, fire damage and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – Collision insurance will pay to fix damage to your Grand Prix resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like scraping a guard rail, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Pontiac Grand Prix.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverages – Liability insurance will cover injuries or damage you cause to other’s property or people in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as funeral expenses, pain and suffering, attorney fees, legal defense fees and emergency aid. How much coverage you buy is a personal decision, but buy higher limits if possible.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like pain medications, X-ray expenses, chiropractic care and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Don’t be a big spender

In this article, we covered many tips how you can get a better price on 2008 Pontiac Grand Prix insurance. The most important thing to understand is the more rate quotes you have, the better likelihood of getting cheap car insurance. Consumers could even find that the best price on auto insurance is with the least-expected company. Regional companies can often insure niche markets at a lower cost than their larger competitors like State Farm, Geico and Nationwide.

When shopping online for auto insurance, it’s a bad idea to reduce needed coverages to save money. There have been many situations where someone sacrificed uninsured motorist or liability limits only to regret at claim time that the savings was not a smart move. Your focus should be to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

Even more information can be found by following these links:

• Understanding Rental Car Insurance (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• Distracted Driving Statistics (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)