1998 Pontiac Grand Prix Car Insurance Quotes – 10 Ideas for Cheapest Rates

Are you intimidated by the crazy number of insurance coverage companies? You’re not the only one! Drivers have so many options that it can easily become a ton of work to locate the lowest price.

If you currently have car insurance, you will be able to save some money using these tips. Pricing the lowest cost protection is quite easy. But vehicle owners must comprehend how insurance companies market on the web and take advantage of how the system works.

How to Compare Car Insurance Quotes

Performing a rate comparison can be exhausting if you aren’t aware of the best way to get rate quotes. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you can stay home and use online quoting to maximize your effort.

Most major companies belong to a marketplace where insurance shoppers submit one quote, and at least one company returns a competitive quote for coverage. This saves time by eliminating quotation requests for each company you want a rate for. To find out how much you’re overpaying now click here to start a free quote.

The only downside to comparing rates this way is buyers cannot specifically choose the companies you want pricing from. If you prefer to choose from a list of companies to receive pricing from, we have assembled a list of companies who write car insurance in your area. Click to view list.

Whichever method you choose, ensure you’re using the exact same quote information on every quote you get. If you have unequal deductibles or liability limits you will not be able to determine the lowest rate for your Pontiac Grand Prix. Having just a slight variation in coverage limits may cause a big price difference. And when price shopping your coverage, comparing a large number of companies will enable you to find the best price.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to help bring down the price. Most are applied when you purchase, but lesser-known reductions have to be asked about before you get the savings.

  • Own a Home – Simply owning a home can save you money because owning a home is proof that your finances are in order.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Senior Discount – Mature drivers may qualify for reduced rates on Grand Prix coverage.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident before your rates go up so long as you haven’t had any claims for a set time period.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy before your current policy expires. The savings is around 10%.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts when compared to bad drivers.
  • Discount for Life Insurance – Larger companies have a break if you buy life insurance.
  • Memberships – Affiliation with a professional or civic organization may earn a discount when shopping for insurance coverage on Grand Prix coverage.

It’s important to note that some of the credits will not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, insurance coverage companies aren’t that generous. But all discounts will cut the cost of coverage.

For a list of insurance companies who offer insurance coverage discounts, click here to view.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining whether your personal situation will benefit from professional help.

  • Does my medical payments coverage pay my health insurance deductible?
  • Does medical payments coverage apply to all occupants?
  • Am I covered when driving a rental car?
  • Am I missing any policy discounts?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What is roadside assistance coverage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Specifics of your insurance policy

Knowing the specifics of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Collision insurance

This coverage covers damage to your Grand Prix resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a parking meter, scraping a guard rail, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability

This coverage will cover damage that occurs to other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like medical expenses, loss of income, repair costs for stationary objects, emergency aid and funeral expenses. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Insurance for medical payments

Med pay and PIP coverage pay for short-term medical expenses for chiropractic care, surgery and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like vandalism, hail damage, fire damage and rock chips in glass. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Be a smart shopper

Discount 1998 Pontiac Grand Prix insurance can be purchased on the web and with local insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

When trying to cut insurance costs, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many cases where someone dropped uninsured motorist or liability limits to discover at claim time that they should have had better coverage. Your goal should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Insureds leave their current company for a number of reasons such as delays in paying claims, policy non-renewal, not issuing a premium refund or even lack of trust in their agent. Regardless of your reason for switching companies, switching insurance companies can be pretty painless.

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