2007 Pontiac Grand Prix Insurance Quotes – 8 Policy Discounts

Expensive insurance can take a big chunk out of your personal savings and make it hard to pay other bills. Comparing price quotes is a smart way to tighten up your finances. Online insurance companies like GEICO, 21st Century and Progressive continually hit you with fancy advertisements and it can be hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

If you have a policy now or need new coverage, you can use this information to find better prices and possibly find even better coverage. Buying car insurance is easy if you know what you’re doing. Drivers just need to know how to shop their coverage around on the web.

Compare Quotes for Insurance Coverage

Comparing insurance coverage rates is a ton of work if you don’t utilize the most efficient way. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you could save time and use the web to maximize your effort.

Many insurance companies enroll in a system that enables customers to complete one form, and each company provides a quote based on the submitted data. This system prevents you from having to do quote forms for each company. To enter your information into the quoting system, click here to open in new window.

The one disadvantage to pricing coverage this way is you don’t know exactly the companies you will receive quotes from. So if you want to choose from a list of companies for rate comparison, we have assembled a list of companies who write insurance coverage in your area. Click here to view list.

Which method you use is up to you, but make darn sure you compare exactly the same coverages and limits on every quote. If your comparisons have different deductibles then you won’t be able to determine the best price for your Pontiac Grand Prix.

Don’t pay full price with these eight discounts

Auto insurance companies do not list all their discounts very well, so the following is a list of both well-publicized as well as the least known savings tricks you should be using. If you don’t get every credit available, you are paying more than you should be.

  • Drivers Education – Have your child enroll in driver’s education if it’s offered in school.
  • Homeowners Pay Less – Owning a home can save you money because of the fact that having a home demonstrates responsibility.
  • Air Bag Discount – Cars that have air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • 55 and Retired – Older drivers may qualify for better car insurance rates on Grand Prix coverage.
  • Sign Early and Save – Some companies give discounts for switching policies prior to your current policy expiring. It can save you around 10%.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. The good student discount can last up to age 25.

Consumers should know that most credits do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you could get a free car insurance policy, companies wouldn’t make money that way.

For a list of companies who offer car insurance discounts, click here.

Your personal situation dictates your coverage

When it comes to buying the best insurance coverage, there is no single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions can aid in determining whether your personal situation would benefit from professional advice.

  • Am I covered if I break a side mirror?
  • Can my teen drive my company car?
  • How much liability coverage do I need in my state?
  • Do all my vehicles need collision coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • What is UM/UIM insurance?
  • What is covered by UM/UIM coverage?
  • Do I need higher collision deductibles?
  • Does my policy pay for OEM or aftermarket parts?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance 101

Knowing the specifics of a insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. These are typical coverages available from insurance companies.

Liability car insurance – Liability insurance will cover damage that occurs to people or other property by causing an accident. 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. You commonly see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things like emergency aid, medical services, medical expenses and structural damage. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Collision – This will pay to fix damage to your Grand Prix caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with another moving vehicle, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for medical expenses – Med pay and PIP coverage kick in for short-term medical expenses such as prosthetic devices, surgery, pain medications and chiropractic care. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Pontiac Grand Prix.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance – This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, a tree branch falling on your vehicle, damage from getting keyed and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Do the work, save more money

Cheaper 2007 Pontiac Grand Prix insurance is possible both online as well as from independent agents, so you should compare both so you have a total pricing picture. There are still a few companies who don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped physical damage coverage and discovered at claim time that it was a big error on their part. The ultimate goal is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

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