2000 Pontiac Grand Prix Car Insurance Rates – 10 Tips to Save

Are you a victim of an underperforming, overpriced insurance policy? Believe me, there are a lot of people just like you who feel imprisoned by their insurance policy. Since consumers have many options, it can be challenging to pick the most cost effective car insurance company.

Which Car Insurance is Cheapest?

Performing a rate comparison can be challenging if you aren’t aware of the easiest way. You can waste hours driving to insurance companies in your area, or you can utilize online quotes to get pricing more quickly.

Many companies belong to a marketplace that enables customers to enter their policy data once, and every company then gives them pricing determined by their information. This saves time by eliminating form submissions for each company you want a rate for. To compare 2000 Pontiac Grand Prix rates now click here to open in new window.

The single downside to pricing coverage this way is you don’t know exactly the insurers you will receive quotes from. If you wish to select from a list of companies to compare, we put together a list of the cheapest car insurance companies in your area. Click here to view list.

Whichever method you choose, be sure to compare apples-to-apples deductibles and coverage limits on every quote. If each company quotes different limits and deductibles on each one it’s not possible to determine the lowest rate for your Pontiac Grand Prix.

You probably qualify for some discounts

Insuring your fleet can be pricey, but you can get discounts that you may not know about. Some trigger automatically at the time of purchase, but some must be asked about in order for you to get them. If they aren’t giving you every credit available, you’re paying more than you need to.

Payment Discounts – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
Accident Forgiveness – Some insurance companies allow you one accident without raising rates if your claims history is clear for a particular time prior to the accident.
Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
Senior Citizens – If you qualify as a senior citizen, you may receive reduced rates for Grand Prix coverage.
Multiple Policy Discount – If you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.
Resident Student – Youth drivers who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
Multiple Cars – Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
Homeowners Pay Less – Being a homeowner may trigger a car insurance policy discount because maintaining a house shows financial diligence.

It’s important to note that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way. But any discount will help reduce your premiums.

Insurance companies who might offer these discounts are:

Double check with each company how you can save money. Discounts may not apply in your area.

There’s no such thing as the perfect policy

When choosing the best car insurance coverage, there is no single plan that fits everyone. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can help discover whether or not you may require specific advice.

Can I rent a car in Mexico?
Which is better, split liability limits or combined limits?
Can I afford to pay high deductible claims out of pocket?
How does medical payments coverage work?
Should I buy full coverage?
How do I file an SR-22 for a DUI in my state?
Should I file a claim if it’s only slightly more than my deductible?
Do I have coverage for damage caused while driving under the influence?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Are you falling for claims of savings?

Drivers constantly see and hear ads for cheaper car insurance by State Farm, Geico and Progressive. All the companies have a common claim that you can save if you change to their company.

How can each company say the same thing? This is how they do it.

Insurance companies are able to cherry pick for the type of driver that earns them a profit. A good example of a preferred risk might be a mature driver, owns a home, and chooses high deductibles. Any new insured who meets those qualifications will qualify for the lowest rates and therefore will cut their rates substantially.

Potential customers who are not a match for these standards will be charged higher prices which leads to business going elsewhere. The ads state “customers who switch” not “everybody who quotes” save money. This is how companies can truthfully make those claims.

That is why you absolutely need to compare as many rates as you can. It’s impossible to know which company will have the lowest Pontiac Grand Prix insurance rates.

Information about specific coverages

Learning about specific coverages of your policy can help you determine the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy. These are the usual coverages available from insurance companies.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, theft and falling objects. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as prosthetic devices, doctor visits and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2000 Pontiac Grand Prix.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability coverage

Liability coverage can cover damage or injury you incur to other people or property in an accident. It consists of 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 policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like bail bonds, medical expenses, attorney fees and legal defense fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

This coverage covers damage to your Grand Prix from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like colliding with another moving vehicle, sustaining damage from a pot hole and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

In conclusion

Affordable 2000 Pontiac Grand Prix insurance can be found from both online companies and with local insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

We covered some good ideas how to reduce insurance prices online. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. You may even discover the biggest savings come from some of the lesser-known companies. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as Geico and State Farm.