2003 Pontiac Grand Prix Car Insurance Quotes

Tired of not being able to afford each month for car insurance? Your situation is no different than the majority of other car owners. You have multiple insurers to choose from, and although it’s a good thing to have a selection, so many choices can make it hard to find the best rates.

You need to get comparison quotes periodically because rates change frequently. If you had the lowest price for Grand Prix coverage two years ago you can probably find a better price now. There is too much inaccurate information about auto insurance online, so by reading this article, you’re going to learn some great ideas on how to buy auto insurance cheaper.

This article will tell you the most effective way to quote insurance and some tips to save money. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these tips. Consumers only need to know the proper way to shop online.

Discounts are great for lower rates

Insuring your fleet can be pricey, but you may find discounts to cut the cost considerably. Certain discounts will be applied when you purchase, but less common discounts must be requested specifically before they will apply. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Homeowners Savings – Owning a home can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Distant Student – Children who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Bundle and Save – If you have multiple policies with one insurance company you will save 10% to 20% off each policy.
  • No Charge for an Accident – Certain companies will allow you to have one accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Drivers Education – Require your teen driver to complete a driver education course if offered at their school.
  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Passive Restraints – Factory air bags can qualify for discounts up to 30%.
  • Discount for New Cars – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Most only reduce individual premiums such as medical payments or collision. So when the math indicates you would end up receiving a 100% discount, you’re out of luck. Any amount of discount will cut the amount you have to pay.

To see a list of insurers who offer car insurance discounts, click here.

The quickest method to compare rates is to know the trick most insurance companies participate in a system to give free rates quotes. To get started, all you need to do is give the companies some data such as how your vehicles are used, what your job is, level of coverage desired, and how old drivers are. Your details is then sent to many highly-rated insurers and they respond with quotes very quickly.

To compare rates for a 2003 Pontiac Grand Prix now, click here and find out if you can get cheaper insurance.

You may need specialized coverage

When buying coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that could help you determine if your situation may require specific advice.

  • Is a blown tire covered by insurance?
  • Am I covered if I hit a deer?
  • How high should my medical payments coverage be?
  • I have a DUI can I still get coverage?
  • Should I sign the liability waiver when renting a car?
  • What happens if I owe more than my 2003 Pontiac Grand Prix is worth?
  • Does my insurance cover a custom paint job?
  • Will my insurance pay for OEM parts?
  • Does insurance cover damages from a DUI accident?
  • Is my teenager covered with friends in the car?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance policy coverages for a 2003 Pontiac Grand Prix

Having a good grasp of a car insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on the average car insurance policy.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as vandalism, rock chips in glass and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

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

Collision insurance covers claims such as hitting a mailbox, colliding with a tree, crashing into a ditch, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Liability

Liability insurance provides protection from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as loss of income, repair bills for other people’s vehicles, medical expenses and emergency aid. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses for nursing services, X-ray expenses, surgery, doctor visits and hospital visits. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

The bottom line

The cheapest 2003 Pontiac Grand Prix insurance can be purchased from both online companies as well as from independent agents, and you need to comparison shop both to get a complete price analysis. Some car insurance companies don’t offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. In too many instances, someone dropped liability limits or collision coverage only to discover later that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

We’ve covered many ways to reduce insurance prices online. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. Drivers may discover the best price on car insurance is with a lesser-known regional company. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm and Allstate.

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