How Much Does 2004 Pontiac Grand Prix Insurance Cost?

Saving money on car insurance can be a challenge for drivers new to quoting coverage rates online. With such a big selection of agents and online companies available, it can easily be a big hassle to locate the lowest price.

Locating the best coverage is easy if you know what you’re doing. Essentially everyone who is shopping for auto insurance stands a good chance to be able to reduce their rates. Although drivers must know how insurance companies market on the web because it can help you find the best coverage.

Auto insurance quotes and discounts

Companies offering auto insurance don’t always advertise every available discount very clearly, so the list below details some of the more common and the more hidden credits that may apply to you.

• Student in College – Children who are enrolled in higher education away from home and do not have access to a covered vehicle could get you a discount.
• Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts could save 15% off the personal injury premium cost.
• Discount for Multiple Policies – When you combine your auto and home insurance and insure them with the same company you could save at least 10 to 15 percent or more.
• Defensive Driving Course – Successfully completing a course in driver safety could cut 5% off your bill and make you a better driver.
• Telematics Devices – Drivers that enable companies to scrutinize driving habits by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they exhibit good driving behavior.

As a footnote on discounts, most of the big mark downs will not be given to the entire cost. A few only apply to specific coverage prices like comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way.

Popular auto insurance companies and some of the premium reductions they offer can be read below.

• AAA has discounts for AAA membership discount, multi-car, education and occupation, multi-policy, anti-theft, good student, and pay-in-full.
• Progressive offers discounts including multi-policy, online quote discount, multi-vehicle, continuous coverage, and good student.
• State Farm policyholders can earn discounts including anti-theft, driver’s education, defensive driving training, good driver, multiple policy, and safe vehicle.
• Esurance discounts include defensive driver, multi-policy, claim free, multi-car, online quote, and online shopper.
• Nationwide may have discounts that include business or organization, Farm Bureau membership, multi-policy, family plan, easy pay, defensive driving, and good student.

If you need cheaper auto insurance quotes, ask every company which credits you are entitled to. Some of the earlier mentioned discounts might not apply in your area. To see providers who offer free auto insurance quotes, follow this link.

The best way to compare rate quotes is to realize auto insurance companies pay for the opportunity to give you rate quotes. The only thing you need to do is provide details like your job, an estimate of your credit level, if a SR-22 is required, and if it has an anti-theft system. Your details is submitted instantly to all major companies and they return cost estimate instantly.

To compare rates now, click here and complete the form.

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Learn how to lower your insurance prices

Lots of things are taken into consideration when you get a price on insurance. Some of the criteria are obvious such as your driving record, although some other factors are not as apparent such as whether you are married or your financial responsibility.

• Does auto insurance cost more for men? – The statistics show women are more cautious behind the wheel. It does not mean men are WORSE drivers than women. They both get in auto accidents in similar percentages, but males tend to have higher claims. Not only that, but men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
• Obey driving laws and save – Your driving record has a lot to do with how much you pay for insurance. Even one citation may increase your cost twenty percent or more. Good drivers pay lower auto insurance prices compared to drivers with tickets. People who have flagrant citations such as DUI or willful reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to prevent a license revocation.
• Costs can change based on your address – Having an address in smaller towns and rural areas of the country is a positive aspect when shopping for auto insurance. Lower population means fewer accidents in addition to fewer liability claims. Drivers in populated areas have to deal with more road rage incidents and more time behind the wheel. More time commuting translates into higher accident risk.
• Lower mileage equals lower premium – The more you drive in a year the more you’ll pay to insure it. Most companies price each vehicle’s coverage determined by how the vehicle is used. Cars not used for work or commuting receive lower rates than vehicles that have high annual mileage. Incorrect rating for your Grand Prix may be wasting your money. It’s a smart idea to ensure your vehicle rating is showing how each vehicle is driven, because improper ratings can cost you money.
• Never go without auto insurance – Driving your car without having proper coverage is against the law and you will pay a penalty because you let your coverage lapse. And not only will your rates increase, being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique.

For instance, these questions can aid in determining if your situation might need professional guidance.

• Is my camper covered by my car insurance policy?
• Do I need PIP coverage since I have good health insurance?
• Is my teen driver covered when they drive my company car?
• Can I drive in Mexico and have coverage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Will my rates increase for filing one claim?
• Do I need an umbrella policy?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, complete this form.

Do you really save 40% when you switch?

Insurance providers like 21st Century, Allstate and State Farm endlessly run television, radio, and online ads. All the companies advertise claims that drivers will save a bundle if you change your coverage to them. How can each company make the same claim?

Insurance companies offer their best rates for the type of customer that is profitable for them. One example of a driver they prefer might be a married male, carries full coverage, and drives less than 5,000 miles a year. A customer who matches that profile will most likely get cheap prices and have a good chance to save when they switch companies.

Insureds who fall short of this stringent profile must pay more expensive rates which results in the customer not buying. The ads say “customers that switch” not “everyone who quotes” will save that much if they switch. That is how insurance companies can confidently state the savings.

That is why drivers should get auto insurance quotes as often as possible. It’s just not possible to know which insurance company will have the lowest rate quotes.

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Car insurance coverage options for a 2004 Pontiac Grand Prix

Understanding the coverages of a car insurance policy aids in choosing which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a broken windshield, hitting a deer and hail damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2004 Pontiac Grand Prix.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Coverage for liability

This coverage provides protection from damage or injury you incur to people or other property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like medical expenses, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Collision protection

This covers damage to your Grand Prix caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as pain medications, hospital visits, surgery, dental work and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Buy Smart and Save

Consumers leave their current company for any number of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, questionable increases in premium and even policy cancellation. Regardless of your reason, switching auto insurance companies can be easy and end up saving you some money.

As you quote auto insurance, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where consumers will sacrifice uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage at an affordable rate but still have enough coverage for asset protection.

Cheaper auto insurance can be sourced both online in addition to local insurance agencies, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer online quoting and usually these small insurance companies sell through independent agents.

Other resources

• Side Impact Crash Tests (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• Insuring a Leased Car (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Credit and Insurance Scores (Insurance Information Insitute)

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