1991 Pontiac Grand Prix Car Insurance Rates

Searching for cheaper insurance for a Pontiac Grand Prix could be a painful process, but you can use a few tricks to save time.

There is a better way to compare car insurance rates so we’re going to tell you the absolute fastest way to quote coverages for a new or used Pontiac and get the lowest price from local insurance agents and online providers.

It’s smart to price shop coverage quite often because rates change quite often. Even if you think you had the lowest price for Grand Prix insurance on your last policy you may be paying too much now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to how to use online quotes to find better coverage at a better price.

If you have insurance now or need a new policy, you can use these techniques to find better prices while maintaining coverages. Locating the lowest cost protection is quite easy. Consumers just need to learn the tricks to compare price quotes online.

Factors determining your Pontiac Grand Prix insurance premium

It’s important that you understand the different types of things that play a part in calculating the rates you pay for insurance. Understanding what controls the rates you pay helps enable you to make changes that will entitle you to big savings.

  • One company can mean more discounts – Some insurance companies provide better rates to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, you still need to shop around to verify if the discount is saving money. Drivers may still find a better deal by splitting coverages up.
  • Liability coverage is cheap – Your policy’s liability coverage provides coverage when you are found liable for damages from an accident. It will provide legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
  • Cautious drivers pay less – Your driving record has a lot to do with how much you pay for insurance. Even a single speeding ticket can increase rates by twenty percent. Good drivers have lower premiums than people who have multiple driving citations. Drivers who get severe violations such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Teen drivers pay high rates – Young drivers have a tendency to be less responsible when behind the wheel so they pay higher insurance rates. Older insureds tend to be more responsible, tend to file fewer claims and get fewer tickets.
  • Your car’s features help determine rates – Driving a car with an alarm system can help bring down rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
  • More people means more accidents – Living in a small town has it’s advantages when talking about insurance. Drivers in populated areas tend to have congested traffic and longer commutes to work. Fewer drivers means reduced accidents as well as less vandalism and auto theft.

Insurance Comparison Rates

Shopping for lower insurance rates can be a lot of work if you don’t utilize the most efficient way to do it. You could waste time talking to agents in your area, or you can utilize online quoting for quick rates.

Most major companies are enrolled in a marketplace that enables customers to enter their policy data once, and each company then gives them pricing based on that data. This prevents consumers from doing quote requests to each individual insurance company.

To compare 1991 Pontiac Grand Prix rates using this form now click here to open in new window.

The only drawback to using this type of system is you don’t know exactly the insurers you want to price. If you prefer to choose individual companies for rate comparison, we have assembled a list of low cost insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but ensure you’re using identical deductibles and coverage limits with each company. If you are comparing unequal deductibles or liability limits it will be very difficult to find the best deal for your Pontiac Grand Prix.

Car insurance ads bend the truth

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. All the ads say the same thing about savings if you move your policy.

How does each company claim to save you money?

Different companies are able to cherry pick for the driver that is profitable for them. For instance, a driver they prefer might be profiled as over the age of 40, has no driving citations, and has a high credit rating. A propective insured who matches those parameters will qualify for the lowest rates and as a result will probably save when they switch companies.

Potential insureds who fall outside the “perfect” profile will be quoted more money and ends up with the customer not buying. The ads state “people who switch” but not “drivers who get quotes” save that kind of money. That’s why companies can claim big savings.

This emphasizes why drivers must compare as many rates as you can. It’s not possible to predict the company that will fit your personal profile best.

Don’t overlook these discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available to help bring down the price. A few discounts will automatically apply when you quote, but lesser-known reductions have to be specially asked for prior to receiving the credit. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings up to 30%.
  • Student in College – Children who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Defensive Driving Course – Taking a driver safety course could save 5% or more depending on where you live.
  • Claim Free – Good drivers with no accidents can earn big discounts as compared to accident-prone drivers.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Early Signing – Some companies give discounts for switching to them before your current expiration date. This can save 10% or more.
  • New Car Discount – Insuring a new car can save up to 30% compared to insuring an older model.
  • Safe Driver Discount – Insureds without accidents may save up to 50% more for Grand Prix insurance than drivers with accident claims.
  • One Accident Forgiven – A few companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a set time period.

It’s important to understand that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, you won’t be that lucky. Any qualifying discounts will cut the amount you have to pay.

Companies that may offer some of the above discounts include:

Double check with all companies you are considering what discounts are available to you. Discounts might not apply in your state.

Is my situation unique?

When it comes to choosing the right insurance coverage, there really is no best way to insure your cars. Each situation is unique.

For instance, these questions might point out if your situation will benefit from professional help.

  • Does my medical payments coverage pay my health insurance deductible?
  • Do I have coverage for damage caused while driving under the influence?
  • Should I have a commercial auto policy?
  • Does car insurance cover theft of personal property?
  • Do I need more liability coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Does coverage extend to my business vehicle?
  • Am I insured when driving a different vehicle?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and may give you better protection.

Information about specific coverages

Knowing the specifics of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like nursing services, pain medications and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

This pays for damage to your Grand Prix resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Liability coverages

This coverage provides protection from damage or injury you incur to people or other property. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like attorney fees, medical expenses, emergency aid, loss of income and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Pontiac Grand Prix.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as theft, falling objects, a tree branch falling on your vehicle and hitting a deer. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Make a quick buck

Discount 1991 Pontiac Grand Prix insurance is possible online as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies don’t offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

We covered a lot of techniques to save on insurance. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may even find the biggest savings come from an unexpected company.

While you’re price shopping online, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where someone dropped collision coverage and learned later they didn’t have enough coverage. Your goal should be to get the best coverage possible at the best price while still protecting your assets.

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