Save on 2008 Pontiac Grand Prix Insurance Rates

Trying to find lower insurance coverage rates for your Pontiac Grand Prix? Did you fall for a flashy sales pitch and buy high-priced insurance coverage? Trust us, you are not the only one feeling buyer’s remorse.

Insurance companies such as Progressive, Geico and Farmers Insurance increase brand awareness with catchy ads and consumers find it hard to ignore the propoganda and effectively compare rates to find the best deal.

Cheap insurance coverage quotes with discounts

Companies don’t always publicize every policy discount very clearly, so the list below gives a summary of both well-publicized in addition to some of the lesser obvious credits that you can use to lower your rates.

• Military Deployment Discount – Having a family member in the military can result in better premium rates.
• Waiver for an Accident – This isn’t a discount exactly, but certain companies may permit one accident before they charge you more for coverage as long as you don’t have any claims prior to the accident.
• Employee of Federal Government – Employees or retirees of the government may reduce rates when you quote insurance on Grand Prix insurance depending on your insurance coverage provider.
• Discount for Passive Restraints – Options like air bags or automatic seat belts may earn rate discounts of 20% or more.
• Good Student – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
• Distant College Student Discount – Older children who are attending college and don’t have a car can be insured at a reduced rate.
• Driver Education Discount – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
• Early Switch Discount – Some companies reward drivers for buying a new policy prior to your current policy expiration. It’s a savings of about 10%.
• Save with More Vehicles Insured – Buying a policy with multiple vehicles with the same company qualifies for this discount.

You should keep in mind that most credits do not apply to your bottom line cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, nobody gets a free ride.

Larger insurance coverage companies and their possible discounts are outlined below.

• Farm Bureau may have discounts that include multi-vehicle, multi-policy, 55 and retired, driver training, and renewal discount.
• State Farm offers discounts for driver’s education, safe vehicle, passive restraint, defensive driving training, student away at school, and anti-theft.
• Progressive has discounts for online signing, multi-policy, homeowner, online quote discount, multi-vehicle, and good student.
• Allstate offers discounts including multi-policy, anti-lock brakes, senior citizen, anti-theft, and good payer.
• Nationwide may offer discounts for defensive driving, family plan, easy pay, anti-theft, business or organization, and good student.
• MetLife discounts include multi-policy, good student, accident-free, good driver, claim-free, and defensive driver.

If you want cheap insurance quotes, ask each company which discounts you qualify for. Some discounts might not apply in every state. If you would like to see a list of providers with the best insurance coverage discounts, click this link.

The most recommended method to compare insurance rates in your area is to understand most of the larger companies will pay a fee to give free rates quotes. To get started, all you need to do is provide a small amount of information including how much coverage you want, whether your vehicle is owned or leased, if you require a SR-22, and your occupation. That rating data is instantly sent to all major companies and you will get price comparisons with very little delay.

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Get cheaper insurance prices by understanding these factors

Lots of factors are part of the calculation when premium rates are determined. Some are obvious such as your driving record, although some other factors are not as apparent like your continuous coverage or your vehicle rating.It’s important that you understand some of the factors that help determine the price you pay for car insurance. When you know what positively or negatively determines base rates, this helps enable you to make changes that can help you get much lower annual insurance costs.

The following are a few of the “ingredients” that factor into your prices.

• Never have car insurance policy lapses – Not having insurance is a big no-no and your next policy will cost more because you let your coverage have a gap. In addition to paying higher premiums, failure to provide proof of insurance could earn you fines or a revoked license.
• Drive less and pay lower prices – The higher the mileage driven in a year the higher the price you pay to insure it. A lot of companies price each vehicle’s coverage partially by how you use the vehicle. Vehicles that sit idle most of the time receive better premium rates than those that get driven frequently. Improper usage on your Grand Prix can result in significantly higher rates. It’s a smart idea to ensure your car insurance coverage reflects the proper vehicle usage, because improper ratings can cost you money.
• Where you live factors in – Having an address in less populated areas may provide you with better prices when buying car insurance. Fewer drivers means a lower chance of having an accident in addition to fewer liability claims. City drivers have traffic congestion and more time behind the wheel. Spending more time driving means a statistically higher chance of an accident.
• Policy add-ons add up – There are a ton of optional add-on coverages that you can buy on your car insurance policy. Insurance for coverage for rental cars, death and dismemberment, and Farm Bureau memberships are probably not needed. They may seem like a good idea when discussing your needs, but if they’re wasting money remove them from your policy.
• Better premiums with anti-theft devices – Choosing to buy a car with a theft deterrent system can earn a premium discount. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft and help lower rates.
• Safety first – Safer cars can get you lower premiums. Vehicles engineered for safety protect occupants better and any reduction in injury severity means lower claim amounts and cheaper rates on your policy.

Tailor your car insurance coverage to you

When choosing the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that can aid in determining if you might need an agent’s assistance.

• Are rental cars covered under my policy?
• When should I drop full coverage on my 2008 Pontiac Grand Prix?
• What happens if I owe more than my 2008 Pontiac Grand Prix is worth?
• Is my nanny covered when driving my vehicle?
• Should I rate my 2008 Pontiac Grand Prix as pleasure use or commute?
• Should I have a commercial auto policy?
• Exactly who is provided coverage by my policy?
• At what point should I drop full coverage?
• Can my teen drive my company car?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Misconceptions in car insurance advertisements

Well-known car insurance companies like State Farm and Allstate endlessly run television, radio, and online ads. They all seem to convey the message that drivers can save some big amount just by moving your policy. It sounds good, but how can they all make almost identical claims? This is the trick they use.

Insurance companies can use profiling for the type of customer that will not have excessive claims. A good example of a desirable insured should be between the ages of 30 and 45, has a low-risk occupation, and has a short commute. A propective insured that hits that “sweet spot” receives the best rates and have a good chance to save money with a new company.

Insureds who do not meet this stringent profile may be required to pay higher prices and this results in business going elsewhere. The ads say “customers who switch” not “everyone that quotes” save that kind of money. That is how companies can truthfully make claims like that.

Each company has different criteria, so you really need to compare many company’s premium rates. It’s impossible to know the company that will give you lower auto insurance rates than your current company.

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Insurance coverage specifics

Understanding the coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are the normal coverages found on the average insurance policy.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like chiropractic care, doctor visits and EMT expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Pontiac Grand Prix.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually these limits are set the same as your liablity limits.

Liability car insurance

Liability coverage can cover damages or injuries you inflict on a person or their property that is your fault. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like legal defense fees, funeral expenses, repair costs for stationary objects, emergency aid and medical services. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from getting keyed, fire damage, falling objects and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

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

Collision insurance covers things such as hitting a mailbox, crashing into a building and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

More quotes mean more savings

Throughout this article, we presented some good ideas how to lower your 2008 Pontiac Grand Prix insurance car insurance rates. The key thing to remember is the more providers you compare, the better chance you’ll have of finding affordable insurance. You may even discover the lowest car insurance rates come from the smaller companies. Smaller companies often have lower premium rates on specific markets than their larger competitors like Progressive and Geico.

When trying to cut insurance costs, it’s a bad idea to reduce needed coverages to save money. Too many times, consumers will sacrifice full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage at the best cost while still protecting your assets.

Some insurance companies may not provide rates over the internet and many times these smaller companies only sell through independent insurance agencies. Discount 2008 Pontiac Grand Prix insurance is definitely available both online as well as from insurance agents, so you should be comparing quotes from both to get a complete price analysis.

Much more information about insurance is available at the links below

• Keeping Children Safe in Crashes Video (iihs.org)
• Driving in Bad Weather (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)

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