Cheap 1993 Pontiac Grand Prix Car Insurance Rates

Searching for the cheapest auto insurance rates for your Pontiac Grand Prix? Comparison shopping for auto insurance is challenging for consumers not familiar with comparison shopping online. Drivers have so many options available that it can be a big hassle to locate the lowest price.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but you can get discounts to reduce the price significantly. Some trigger automatically when you get a quote, but less common discounts must be manually applied before you will receive the discount.

  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Paperless Signup – A few companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class in high school.
  • Multi-car Discount – Having more than one vehicle on one policy qualifies for this discount.
  • Early Switch Discount – Some companies give discounts for switching policies prior to your current policy expiring. It’s a savings of about 10%.

Drivers should understand that most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you can get free auto insurance, insurance companies aren’t that generous. Any amount of discount will help reduce your overall premium however.

To see a list of providers with discount insurance rates, click this link.

Impacting insurance rates for a Pontiac Grand Prix

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for car insurance. Knowing what determines base rates allows you to make educated decisions that can help you get big savings.

The following are a partial list of the pieces companies use to determine your rates.

  • Always keep insurance in force – Driving without insurance is a misdemeanor and your next policy will cost more because you let your insurance lapse. And not only will your rates increase, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Safer cars are cheaper to insure – Vehicles with good safety scores tend to have better insurance rates. These vehicles result in less severe injuries and fewer injuries means lower claim amounts and thus lower rates. If your Pontiac Grand Prix scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Equipment add-ons that lower car insurance rates – Choosing a vehicle with an alarm system can help lower your rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • More than one policy can earn a discount – Some insurers will give a discount to insureds who consolidate policies with them such as combining an auto and homeowners policy. Discounts can amount to five, ten or even twenty percent. Even though this discount sounds good, it’s in your best interest to compare other company rates to ensure the best deal.
  • Bump up deductibles to save – Physical damage deductibles represent how much money you are willing to pay out-of-pocket before your car insurance pays a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some examples of claims that would be covered would be colliding with a building, damage from fire, or theft. The more the insured has to pay upfront, the less your company will charge you for insurance on Grand Prix insurance.
  • The more you drive the more you pay – The more miles you rack up on your Pontiac every year the more you’ll pay to insure your vehicle. Most insurance companies apply a rate based on how the vehicle is used. Cars that are left in the garage receive lower rates compared to those used for work or business. Verify your car insurance policy properly reflects how each vehicle is driven, because improper ratings can cost you money. Incorrect usage on your Grand Prix can cost quite a bit.
  • Men pay higher rates – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. Men and women tend to get into accidents in similar numbers, but the males tend to have more serious accidents. They also have more aggressive citations such as reckless driving.
  • Marriage brings a discount – Having a spouse can get you a discount on your policy. Marriage is viewed as being more responsible and it’s statistically proven that married drivers get in fewer accidents.

When might I need an agent?

When it comes to buying the right insurance coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine whether you might need an agent’s assistance.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I have any recourse if my insurance company denies a claim?
  • Can I afford to buy a different vehicle if my 1993 Pontiac Grand Prix is totaled?
  • Is motorclub coverage worth it?
  • What is medical payments coverage?
  • Am I covered by my spouse’s policy after a separation?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Car insurance coverages for a Pontiac Grand Prix

Learning about specific coverages of a car insurance policy aids in choosing appropriate coverage for your vehicles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverages – Collision coverage covers damage to your Grand Prix caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as backing into a parked car, damaging your car on a curb, hitting a parking meter, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like funeral costs, surgery and doctor visits. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Comprehensive coverages – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, vandalism, hail damage, hitting a bird and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages – This coverage will cover damage that occurs to other people or property by causing an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like repair bills for other people’s vehicles, pain and suffering, court costs, medical expenses and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

One last thing about your coverage

Drivers change insurance companies for any number of reasons including unfair underwriting practices, high rates after DUI convictions, lack of trust in their agent and not issuing a premium refund. Regardless of your reason for switching companies, finding the right insurance provider can be less work than you think.

Lower-priced 1993 Pontiac Grand Prix insurance is definitely available from both online companies as well as from independent agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who don’t offer you the ability to get quotes online and these regional insurance providers work with independent agents.

Throughout this article, we presented some good ideas how to shop for insurance online. It’s most important to understand that the more rate quotes you have, the better likelihood of reducing your rate. You may even discover the biggest savings come from an unexpected company.

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