1990 Pontiac Grand Prix Car Insurance Quotes – 7 Policy Discounts

Having to pay for overpriced auto insurance can take a big chunk out of your checking account, especially in this economy. Comparing price quotes is free and is an excellent way to make sure you’re not throwing money away. Multiple car insurance companies compete for your business, and because of this it can be hard to compare car insurance companies and uncover the absolute best rate

The easiest way to compare insurance rates from multiple companies is to know most of the larger companies actually pay money for the chance to give free rates quotes. The only thing you need to do is spend a couple of minutes providing details including driver ages, your occupation, daily mileage, and any included safety features. The rating information is instantly submitted to all major companies and they return rate quotes very quickly.

Do you qualify for a discount?

Auto insurance companies don’t always publicize every discount in a way that’s easy to find, so we took the time to find both well-publicized as well as the least known discounts you could be receiving. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Claim Free – Good drivers with no accidents can earn big discounts as compared to drivers who are more careless.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Grand Prix coverage than drivers with accidents.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Use Seat Belts – Requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Early Signing – Select companies give a discount for switching policies prior to your current policy expiring. This can save 10% or more.
  • Discount for New Cars – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.

Consumers should know that most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way.

To see a list of companies offering insurance coverage discounts, click this link.

What coverages do I need?

When buying coverage, there is no perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that For instance, these questions might help in determining if your situation would benefit from an agent’s advice.

  • Is my cargo covered for damage or theft?
  • What companies insure drivers after a DUI or DWI?
  • Should I have a commercial auto policy?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I need more liability coverage?
  • What is PIP insurance?
  • Does insurance cover damages from a DUI accident?
  • How do I insure my teen driver?
  • Is my teen driver covered when they drive my company car?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and can help protect your family.

Coverages available on your insurance policy

Learning about specific coverages of insurance can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Pontiac Grand Prix.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive auto coverage – This pays to fix your vehicle from 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 can pay for things like hitting a bird, vandalism, rock chips in glass, hitting a deer and damage from getting keyed. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision – Collision insurance will pay to fix damage to your Grand Prix from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, rolling your car, colliding with another moving vehicle, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for chiropractic care, hospital visits, doctor visits, rehabilitation expenses and prosthetic devices. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Liability coverage – This coverage can cover damage that occurs to people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like medical expenses, court costs, legal defense fees, loss of income and emergency aid. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

And the best car insurance company is…

While you’re price shopping online, it’s a bad idea to skimp on critical coverages to save a buck or two. In too many instances, an insured dropped full coverage and learned later they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage at an affordable rate while still protecting your assets.

Budget-conscious 1990 Pontiac Grand Prix insurance can be found from both online companies and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

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