Cheapest 2000 Pontiac Grand Prix Insurance Rates in 2023
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UPDATED: Jan 20, 2020
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Trying to find lower auto insurance rates for your Pontiac Grand Prix? Have you fallen victim to overpriced auto insurance? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out. With so many options, it’s difficult to locate the best insurer.
It’s important to price shop coverage periodically because insurance rates are usually higher with each renewal. If you had the best deal on Grand Prix coverage last year you will most likely find a better rate today. There is a lot of bad information regarding auto insurance online but with this article, you’re going to get some proven techniques to stop overpaying for insurance.
These factors can influence what you pay for Pontiac Grand Prix insurance
It’s important that you understand the rating factors that go into determining your auto insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that will entitle you to much lower annual insurance costs.
- Little extras can really add up – There are a ton of extra bells and whistles you can purchase if you aren’t careful. Insurance for rental car reimbursement, better glass coverage and membership fees may be costing you every month. They may seem like a good idea initially, but your needs may have changed so eliminate the coverages to reduce your premium.
- Do you know your deductibles? – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Pontiac. Examples of covered claims would be colliding with a building, collision with an animal, or theft. Your deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. The higher the amount you’re willing to pay, the bigger discount you will receive on Grand Prix coverage.
- The more you drive the more you pay – The more you drive in a year the higher your rates will be. Almost all companies apply a rate based upon how you use the vehicle. Cars that are left in the garage get more affordable rates compared to those used for work or business. An improperly rated Grand Prix may be wasting your money. Verify your auto insurance policy is rated on the correct driver usage.
- Don’t sacrifice liability coverage – Liability coverage provides coverage in the event that a jury decides you are liable for damages from an accident. Liability insurance provides you with a defense in court starting from day one. Liability is cheap when compared with rates for comp and collision, so do not skimp.
Compare the Market for Insurance Coverage
Shopping for lower insurance coverage rates can take hours if you don’t know the most efficient way to do it. You can waste hours talking about coverages with agents in your area, or you can stay home and use the web to maximize your effort.
Many of the larger companies take part in a program where insurance shoppers enter their coverage request one time, and each participating company returns a competitive quote determined by their information. This eliminates the need for quote requests for every insurance coverage company. To access this free quoting program, click here to start a free quote.
The one disadvantage to pricing coverage this way is that consumers can’t choose which insurance companies you want pricing from. So if you prefer to choose individual companies to compare rates, we have a listing of companies who write insurance coverage in your area. Click here for list of insurance companies.
Which method you use is up to you, but make absolute certain that you use apples-to-apples coverages and limits for each comparison quote. If you enter mixed coverages then you won’t be able to determine which rate is truly the best.
Can you really save $460 a year?
Drivers constantly see and hear ads that promise big savings by companies like 21st Century, Allstate and State Farm. All the ads have a common claim of big savings after switching to them.
But how can every company say the same thing? It’s all in the numbers.
Insurance companies have a preferred profile for the right customer that earns them a profit. For example, a profitable customer could possibly be over the age of 50, has no prior claims, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters receives the best rates and therefore will save a lot of money.
Drivers who don’t measure up to this ideal profile will be quoted higher rates which leads to business going elsewhere. The ads say “people who switch” not “everyone that quotes” save that much. That’s the way companies can truthfully claim big savings.
This emphasizes why you should get a wide range of price quotes. It’s just too difficult to predict which insurance companies will fit your personal profile best.
Take discounts and save
Car insurance is not cheap, but companies offer discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time you complete a quote, but some must be inquired about before being credited. If they aren’t giving you every credit available, you are throwing money away.
- One Accident Forgiven – A few companies allow you one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
- Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance.
- Paperless Signup – A few companies may give you up to $50 for buying a policy and signing up over the internet.
- Payment Method – By paying your policy upfront instead of making monthly payments you could save up to 5%.
- Accident Free – Drivers who don’t have accidents pay less when compared with frequent claim filers.
- Club Memberships – Affiliation with a professional or civic organization is a good way to get lower rates when buying car insurance on Grand Prix coverage.
- Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
- New Vehicle Savings – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
- Bundle and Save – If you insure your home and vehicles with the same insurance company you could get a discount of 10% to 20% off each policy.
- Own a Home – Being a homeowner can save you money because owning a home requires personal responsibility.
Drivers should understand that most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like you could get a free car insurance policy, car insurance companies aren’t that generous. But any discount will bring down the cost of coverage.
To see a list of companies offering car insurance discounts, click this link.
Which policy gives me the best coverage?
When choosing proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions can help discover if your situation would benefit from an agent’s advice.
- Will I lose any money if I cancel my policy before it expires?
- Do I need added coverage for expensive stereo equipment?
- Which companies will insure high-risk drivers?
- What vehicles should carry emergency assistance coverage?
- Is my business laptop covered if it gets stolen from my vehicle?
- Is my teenager covered with friends in the car?
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If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and you can get the answers you need.
Insurance coverage considerations
Having a good grasp of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on the average insurance policy.
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Pontiac Grand Prix.
Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Collision – Collision coverage will pay to fix damage to your Grand Prix caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like scraping a guard rail, rolling your car, backing into a parked car, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as vandalism, hitting a deer, theft, hitting a bird and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Liability coverage – Liability coverage provides protection from damage or injury you incur to other’s property or people that is your fault. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage protects against claims like repair bills for other people’s vehicles, loss of income, medical expenses, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.
Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like doctor visits, nursing services, ambulance fees and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available and may carry a deductible
Feed the piggy bank
Lower-priced 2000 Pontiac Grand Prix insurance can be sourced from both online companies as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some companies don’t offer the ability to get a quote online and these small, regional companies work with independent agents.
Throughout this article, we presented a lot of ways to get a better price on insurance. It’s most important to understand that the more providers you compare, the better your comparison will be. You may be surprised to find that the lowest priced car insurance comes from a small local company. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive and GEICO.
Even more information is located at these sites:
- Tools for Teen Driving Safety (State Farm)
- How to Avoid Buying a Flooded Car (Insurance Information Insitute)
- Where can I buy Insurance? (Insurance Information Insitute)
- What Does No-Fault Insurance Cover? (Allstate)
- Winter Driving (Insurance Information Insitute)
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