Lower Your 1998 Pontiac Grand Prix Insurance Quotes

Want the cheapest insurance rates for your Pontiac Grand Prix? Finding cheap rates on insurance can be quite difficult for beginners to comparing prices online. There are so many companies to choose from that it can be a lot of work to locate the lowest price.

If you have car insurance now, you should be able to save some money using this strategy. Locating cheaper auto insurance coverage is quite easy. But car owners need to learn how big insurance companies price online insurance because it can help you find the best coverage.

Lower rates by qualifying for discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available that could help you make your next renewal payment. A few discounts will be applied at the time of quoting, but a few must be inquired about before you get the savings.

• Safe Driver Discount – Accident-free drivers can get discounts for up to 45% lower rates for Grand Prix coverage as compared to drivers with claims.
• Discount for New Cars – Buying a new car instead of a used car can be considerably cheaper because new vehicles are generally safer.
• Service Members Pay Less – Having an actively deployed family member could be rewarded with lower rates.
• Driver’s Education for Students – It’s a good idea to have your young drivers take driver’s ed class in school or through a local driver safety program.
• Homeowners Pay Less – Owning a house can save a few bucks since owning and maintaining a home demonstrates responsibility.

It’s important to note that some credits don’t apply the the whole policy. The majority will only reduce the cost of specific coverages such as comp or med pay. Despite the fact that it seems like you could get a free car insurance policy, it’s just not the way it works. Any amount of discount will definitely lower your overall bill.

Insurance companies that possibly offer these benefits may include but are not limited to:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• Geico
• AAA

It’s a good idea to ask all companies you are considering which discounts can lower your rates. Discounts might not be offered in every state. To see insurers that offer the discounts shown above, click here.

The best way we recommend to compare rates takes advantage of the fact auto insurance companies provide online access to provide you with free rate quotes. To start a quote, the only thing you need to do is provide details such as marital status, if it has an alarm system, whether you have decent credit, and deductibles desired. The data is then submitted to all major companies and they return cost estimate with very little delay.

Insurance is unique, just like you

When buying adequate coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine if you would benefit from professional advice.

• Exactly who is provided coverage by my policy?
• Do I need replacement cost coverage on my 1998 Pontiac Grand Prix?
• Are my friends covered when driving my 1998 Pontiac Grand Prix?
• If I drive on a suspended license am I covered?
• Are there companies who specialize in insuring high-risk drivers?
• Should I buy only the required minimum liability coverage?
• Does coverage extend to my business vehicle?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Educate yourself about auto insurance coverages

Learning about specific coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as ambulance fees, doctor visits and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance – Comprehensive insurance covers 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 can pay for claims such as fire damage, hail damage, hitting a bird and hitting a deer. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for liability – Liability coverage can cover damage that occurs to a person or their property. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as structural damage, medical expenses and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Pontiac Grand Prix.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverages – Collision insurance pays for damage to your Grand Prix resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like scraping a guard rail, damaging your car on a curb and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Compare but don’t skimp

When searching for cheap car insurance quotes, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage at an affordable rate.

We just presented some good ideas how you can save on 1998 Pontiac Grand Prix insurance. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the best price on insurance is with a small mutual company.

Cheap 1998 Pontiac Grand Prix insurance can be bought online and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. A few companies don’t offer price quotes online and these regional insurance providers provide coverage only through local independent agents.

To read more, feel free to browse the resources below:

• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Learn About Car Insurance (Geico)