2006 Pontiac Grand Prix Car Insurance Rates – 6 Tips to Save

Searching for better auto insurance rates for your Pontiac Grand Prix? Overpriced Pontiac Grand Prix insurance can drain your savings account and put a big crunch on your finances. Doing a price comparison is free, only takes a few minutes, and is a good way to help make ends meet. Drivers have so many car insurance companies to purchase coverage from, and even though it’s nice to have a choice, it can be more difficult to find a good deal.

Finding the best rates is not rocket science. If you have a policy now or need new coverage, you can use these tips to reduce the price you pay and possibly find even better coverage. Drivers only need to know the most efficient way to compare price quotes online.

How to Compare Auto Insurance Costs

Performing a rate comparison is a ton of work if you don’t utilize the fastest way to get free quotes. You could spend your day driving to insurance companies in your area, or you can stay home and use the web to get prices fast.

The majority of car insurance companies belong to an insurance system where insurance shoppers submit their information once, and each company returns a rated price for coverage. This eliminates the need for quote requests for every auto insurance company.

To access this free quoting program, click here to start a free quote.

One minor caviat to doing it this way is buyers cannot specifically choose the insurers you will receive quotes from. So if you prefer to pick individual companies for rate comparison, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, ensure you are comparing apples-to-apples coverages and limits with each company. If you use different values for each quote it’s impossible to find the best deal for your Pontiac Grand Prix.

The fine print in insurance coverage ads

Consumers constantly see and hear ads for cheaper car insurance from companies such as Progressive, Geico, Allstate and State Farm. They all seem to say the same thing that you’ll save big if you switch your policy.

How does each company make the same claim?

Insurance companies can use profiling for the type of driver that earns them a profit. A good example of a profitable customer could be between the ages of 40 and 55, has no prior claims, and has a short commute. A customer getting a price quote who meets those qualifications is entitled to the best price and most likely will save quite a bit of money when switching.

Consumers who fall outside the requirements will be quoted more money which leads to the customer not buying. The ads say “customers that switch” not “everyone that quotes” save that much money. That is how insurance companies can make those claims. This emphasizes why it is so important to compare as many rates as you can. It is impossible to predict which insurance coverage company will give you the biggest savings on Pontiac Grand Prix insurance.

Discounts can save BIG

Car insurance companies don’t list all available discounts very clearly, so the following is a list of both the well known and the harder-to-find discounts you could be receiving. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Defensive Driving Course – Successfully completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Passive Restraint Discount – Factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Sign Early and Save – Some insurance companies reward drivers for signing up prior to your current policy expiring. It can save you around 10%.
  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Drive Less and Save – Fewer annual miles on your Pontiac can qualify you for better rates on cars that stay parked.

Keep in mind that many deductions do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, you won’t be that lucky.

Insurance companies who might offer these money-saving discounts may include but are not limited to:

Check with all companies you are considering which discounts they offer. Savings may not apply in your area.

Will just any policy work for me?

When choosing proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that For example, these questions can help discover whether or not you would benefit from an agent’s advice.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my ex-spouse still covered by my policy?
  • Does my car insurance cover rental cars?
  • Am I covered when using my vehicle for business?
  • What is the ISO rating for a 2006 Pontiac Grand Prix?
  • How much liability coverage do I need in my state?
  • Can my teen drive my company car?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

What auto insurance coverages do you need?

Understanding the coverages of a auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages found on the average auto insurance policy.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as hospital visits, funeral costs, doctor visits, chiropractic care and EMT expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 2006 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 is important protection for you and your family.

Coverage for collisions

Collision coverage will pay to fix damage to your Grand Prix resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a mailbox, crashing into a building, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Liability

This coverage can cover damages or injuries you inflict on a person or their property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as legal defense fees, bail bonds, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, damage from flooding, theft, a tree branch falling on your vehicle and hail damage. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Be a penny pincher

We just covered a lot of tips how to get a better price on 2006 Pontiac Grand Prix insurance. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from the least-expected company. These companies often have lower prices on specific markets compared to the large companies like State Farm or Progressive.

When you buy insurance online, make sure you don’t buy poor coverage just to save money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. Your focus should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

Cheaper insurance is possible on the web and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some companies do not offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

Additional auto insurance information can be found below: