Cheapest 2008 Pontiac Grand Prix Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jan 21, 2020

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Want lower auto insurance rates for your Pontiac Grand Prix? Trying to find low-cost insurance for a Pontiac Grand Prix could be a painful process, but you can use a few tricks to find lower rates. There is a better way to buy auto insurance and you need to know the best way to compare rates for a new or used Pontiac and get the lowest price from local insurance agents and online providers.

Smart consumers take time to get comparison quotes on a regular basis since insurance rates are constantly changing. Just because you found the best price for Grand Prix coverage six months ago you may be paying too much now. Don’t believe everything you read about auto insurance online but by reading this article, you’re going to learn the easiest ways to put money back in your pocket.

Pontiac Grand Prix rates influenced by many factors

Consumers need to have an understanding of the rating factors that go into determining the rates you pay for insurance. Having a good understanding of what determines base rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • Lower rates come with age – Mature drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations. Teen drivers are statistically proven to be less responsible in a vehicle therefore insurance rates are much higher.
  • Claim-free discounts can add up – Insurance companies award better rates to insureds who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Traffic citations inflate rates – Your driving record has a huge affect on how much you pay. Drivers with clean records get better rates than bad drivers. Even one citation may increase your cost by twenty percent. Drivers who get serious violations such as hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
  • Rates may be lower depending on your job – Jobs such as real estate brokers, executives and dentists have the highest average rates attributed to job stress and lots of time spent at work. Other occupations like pilots, historians and retirees get better rates for Grand Prix coverage.
  • Policy add-ons can waste money – There are a ton of additional coverages you can purchase on your Grand Prix policy. Things like vanishing deductibles, better glass coverage and motor club memberships are some examples. These coverages may sound good when talking to your agent, but if you don’t need them remove them from your policy.
  • Protect your assets with liability insurance – Your policy’s liability coverage is the protection if you are found to be at fault for damages caused by your negligence. It provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • Big city or small town – Living in a rural area can be a good thing when insuring your vehicles. Urban drivers tend to have much more traffic and longer commute times. Less people living in that area means fewer accidents as well as less vandalism and auto theft.

These discounts can slash insurance coverage rates

Auto insurance companies don’t always advertise all their discounts in an easy-to-find place, so the following is a list of both well-publicized and the more hidden insurance coverage savings. If they aren’t giving you every credit available, you are paying more than you should be.

  • Driver’s Ed – Require your teen driver to complete a driver education course if offered at their school.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Discount for Life Insurance – Larger companies have better rates if you take out a life insurance policy as well.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Homeowners Savings – Simply owning a home can help you save on insurance coverage because maintaining a house demonstrates responsibility.
  • College Student – Kids in college living away from home attending college and don’t have a car can receive lower rates.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like comp or med pay. So when it seems like it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

A partial list of companies that may offer some of the above discounts are:

Check with each insurance company what discounts are available to you. Discounts might not be offered everywhere.

Are you falling for claims of savings?

Consumers constantly see and hear ads for the lowest price auto insurance by companies like 21st Century, Allstate and State Farm. They all say the same thing of big savings if you change to them.

But how can every company claim to save you money? This is how they do it.

All the different companies are able to cherry pick for the type of customer they prefer to insure. For instance, a profitable customer could be between the ages of 30 and 50, a clean driving record, and has excellent credit. A propective insured that hits that “sweet spot” will get very good rates and therefore will cut their rates substantially.

Drivers who are not a match for the requirements will have to pay higher prices which leads to the customer not buying. The ads say “people who switch” not “everybody who quotes” save money. That’s the way insurance companies can confidently advertise the way they do. Because of the profiling, it’s extremely important to quote coverage with many companies. It’s just too difficult to predict which company will fit your personal profile best.

When might I need the advice of an agent?

When buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique.

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These are some specific questions might point out whether or not you could use an agent’s help.

  • Do I need higher collision deductibles?
  • How many claims can I have before being canceled?
  • Does coverage extend to a rental car in a foreign country?
  • Does my policy cover my teen driver if they drive my company car?
  • What happens if I owe more than my 2008 Pontiac Grand Prix is worth?
  • What is the ISO rating for a 2008 Pontiac Grand Prix?
  • How can I get high-risk coverage after a DUI?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Exactly who is provided coverage by my policy?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Auto insurance coverages

Learning about specific coverages of your car insurance policy helps when choosing the best coverages for your vehicles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection from other motorists when they 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.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, theft and fire damage. The highest amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability auto insurance – Liability coverage will cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like legal defense fees, court costs, emergency aid, bail bonds and loss of income. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Collision – This coverage covers damage to your Grand Prix caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as colliding with another moving vehicle, crashing into a building, scraping a guard rail, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for ambulance fees, surgery, hospital visits, nursing services and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Be a smart shopper

Drivers who switch companies do it for a number of reasons such as poor customer service, policy cancellation, delays in paying claims and being labeled a high risk driver. It doesn’t matter what your reason, choosing a new insurance company can be easy and end up saving you some money.

Discount 2008 Pontiac Grand Prix insurance is attainable on the web and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

We just covered a lot of techniques to shop for insurance online. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. Drivers may discover the best prices are with some of the lesser-known companies.

For more information, feel free to visit the following helpful articles:

Use our FREE quote tool to compare rates now!

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