1991 Pontiac Grand Prix Insurance Rates

If you’re searching for lower-cost insurance online, are you frustrated by the dozens of auto insurance companies available to you? Drivers have so many choices that it can really be a lot of work to lower your premium rates.

It’s a good habit to quote other rates at least once a year because prices are adjusted regularly by insurance companies. If you had the lowest rates for Grand Prix coverage a few years ago other companies may now be cheaper. Ignore everything you know about auto insurance because I’m going to teach you the best way to find lower rates on auto insurance.

How to buy car insurance online

When shopping for car insurance there are multiple ways to compare quotes from local car insurance companies. The recommended way to find the cheapest 1991 Pontiac Grand Prix insurance rates is to get quotes online. It’s really quite simple and can be done in a couple of different ways.

  1. If you’re in a hurry, the quickest way to get the best comparison quotes is a comparison rater form click to view form in new window. This type of form saves time by eliminating separate forms for each price estimate. Filling out one form gets coverage cost estimates direct from many companies. Just one form and you’re done.
  2. A more difficult way to compare prices requires a visit to the website of each company and fill out their own quote form. For sake of this example, let’s assume you want to get rates from Progressive, Safeco and GEICO. You would need to navigate to each company’s site and type in your information over and over, which explains why we recommend starting with the first method.

    To view a list of companies in your area, click here.

  3. The last way to find and compare rates is to spend your day driving to insurance agents’ offices. Buying insurance online eliminates the middleman unless you prefer the professional abilities that you can only get from talking to an agent. It is possible to get prices online but still have the advice of a local agent.

It’s up to you how you get prices quotes, just try to keep the same quote data for each price quote. If you compare different coverage information you will not be able to make a fair comparison for your Pontiac Grand Prix. Slightly different limits can result in a big premium difference. And when price shopping your coverage, comparing a wide range of rates will improve the odds of getting the best rates. Not every company allows you to get quotes online, so it’s important to compare price quotes from those companies as well.

Auto insurance policy discounts

Some providers don’t list every policy discount in an easy-to-find place, so the list below details both well-publicized and the harder-to-find savings tricks you should be using when you buy auto insurance online.

  • Discount for Swiching Early – A few insurance companies offer discounts for buying a new policy before your current expiration date. This discount can save up to 10%.
  • Discounts for Federal Employees – Simply working for the federal government could cut as much as 10% off for Grand Prix coverage with a few auto insurance companies.
  • No Accidents – Claim-free drivers are rewarded with significantly better rates on auto insurance quote as opposed to frequent claim filers.
  • Discount for Passive Restraints – Cars that have air bags or automatic seat belts could see savings of 20% or more.
  • Multi-policy Discount – If you combine your auto and homeowners policies with one insurance company you could save approximately 10% to 15%.
  • Include Life Insurance and Save – Larger insurance companies have a discount if you purchase some life insurance in addition to your auto policy.
  • Save with a New Car – Putting insurance coverage on a new car can save you some money because newer vehicles are generally safer.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course as it will make them better drivers and lower rates.

As a footnote on discounts, most of the big mark downs will not be given to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. So even though it sounds like you can get free auto insurance, it just doesn’t work that way.

To view insurers with discount rates, click here to view.

How do I know if I need professional advice?

When choosing coverage for your vehicles, there really is not a “perfect” insurance plan. Every situation is different.

These are some specific questions may help you determine if you would benefit from professional advice.

  • Is motorclub coverage worth it?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I buy additional glass protection?
  • Do I need to file an SR-22 for a DUI in my state?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered if I wreck a rental car?
  • Am I better off with higher deductibles on my 1991 Pontiac Grand Prix?
  • When should I not file a claim?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form.

Auto insurance coverages 101

Learning about specific coverages of auto insurance helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a broken windshield, hitting a bird and damage from flooding. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like rolling your car, colliding with another moving vehicle, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Pontiac Grand Prix.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like funeral costs, rehabilitation expenses and surgery. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability coverage provides protection from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as court costs, bail bonds, repair bills for other people’s vehicles and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.