2005 Pontiac Grand Prix Insurance Quotes

Searching for better insurance prices for a new or used Pontiac Grand Prix can normally be an all-consuming task, but you can follow our insurance coverage buying tips to find lower rates.

There is a right way and a wrong way to find insurance coverage online so we’re going to tell you the absolute fastest way to get price quotes for your Pontiac and locate the best price possible.

It’s smart to price shop coverage occasionally since insurance rates trend upward over time. Even if you think you had the lowest price on Grand Prix coverage on your last policy you can probably find a better price now. So block out anything you think you know about insurance coverage because it’s time to teach you the easiest way to save money, get proper coverage and the best rates.

Car Insurance Comparisons

Getting a cheaper price on 2005 Pontiac Grand Prix insurance can be quick and easy. You just have to spend a few minutes on the computer comparing rates online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • The easiest and least time consuming way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This easy form keeps you from doing a different quote to each individual car insurance company. A single form will return price quotes from car insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
  • A different way to get quotes online consists of visiting each company’s website to complete a price quote. For instance, we’ll assume you want to compare Liberty Mutual, 21st Century and Farmers. You would have to take the time to go to each site to enter your coverage information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  • The least efficient method of getting rate comparisons is to waste gas driving to local insurance agencies. The internet can eliminate the need for a local agent unless you require the personal advice that only a license agent can provide. Drivers can get the lowest quotes online but buy from a local insurance agent and we’ll touch on that later.

It’s up to you how you get prices quotes, just ensure you’re using identical quote information with every price quote. If you compare different values for each quote you will not be able to make a fair comparison for your Pontiac Grand Prix.

Take advantage of discounts

Insuring your fleet can be pricey, buy you may qualify for discounts to reduce the price significantly. Some discounts apply automatically when you quote, but lesser-known reductions have to be specifically requested prior to receiving the credit. If they aren’t giving you every credit possible, you are throwing money away.

  • Military Discounts – Having a family member in the military can result in better rates.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • College Student – Kids in college living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Early Signing – Some companies give discounts for signing up prior to your current policy expiration. This can save 10% or more.
  • Bundle and Save – If you have multiple policies with the same company you may save up to 20% off your total premium.
  • One Accident Forgiven – Certain companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.

It’s important to note that most credits do not apply to the entire policy premium. Most only reduce individual premiums such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts will reduce the cost of coverage.

For a list of providers offering auto insurance discounts, follow this link.

Some factors that can determine what Pontiac Grand Prix insurance costs

Smart consumers have a good feel for some of the elements that play a part in calculating insurance coverage rates. Knowing what impacts premium levels allows you to make educated decisions that could result in lower insurance coverage prices.

  • No coverage gaps is important – Driving without insurance can get your license suspended and your next policy will cost more because you let your coverage lapse. Not only will rates go up, but not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Do men or women drive better? – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. They both cause accidents in similar numbers, but the males cause more damage. They also have more aggressive citations such as DWI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high insurance coverage rates.
  • Don’t get talked into coverage you don’t need – There are a lot of extra bells and whistles that you can buy on your insurance coverage policy. Things like personal injury protection, towing coverage and additional equipment coverage may be costing you every month. They may seem good when you first buy your policy, but now you might not need them so remove them from your policy.
  • More claims means more premium – If you file claims often, you can pretty much guarantee higher rates. Auto insurance companies give cheaper rates to drivers who file claims infrequently. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • Safer occupants lowers premiums – Vehicles with good safety scores get lower rates. Safe vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Pontiac Grand Prix earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Your stress level may be raising your rates – Careers like real estate brokers, business owners and accountants tend to pay higher rates than average because of high stress levels and long work hours. On the flip side, professions such as actors, athletes and the unemployed have the lowest average rates on Grand Prix coverage.
  • Theft deterrents lower rates – Choosing a vehicle with an alarm system can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.

How to know if you need help

When buying adequate coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions may help highlight if your insurance needs will benefit from professional help.

  • Are all vehicle passengers covered by medical payments coverage?
  • Is business equipment covered while in my vehicle?
  • Do I need to file an SR-22 for a DUI in my state?
  • Are my tools covered if they get stolen from my vehicle?
  • How do I insure my teen driver?
  • Is a new car covered when I drive it off the dealer lot?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can help protect your family.

Coverages available on your policy

Knowing the specifics of insurance can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for immediate expenses such as hospital visits, chiropractic care, EMT expenses and dental work. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance – This coverage can cover damages or injuries you inflict on people or other property that is your fault. It protects YOU from claims by other people, and does not provide coverage for 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. You commonly see values of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as court costs, medical expenses and emergency aid. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Collision coverages – Collision coverage covers damage to your Grand Prix resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as scraping a guard rail, backing into a parked car and rolling your car. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as falling objects, hail damage, damage from flooding, hitting a bird and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Pontiac Grand Prix.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Final considerations

Cheaper 2005 Pontiac Grand Prix insurance can be found both online and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

When you buy insurance online, don’t be tempted to buy less coverage just to save a little money. There are too many instances where consumers will sacrifice full coverage and found out when filing a claim they didn’t have enough coverage. The proper strategy is to buy the best coverage you can find at the best price.

Drivers who switch companies do it for a variety of reasons including extreme rates for teen drivers, high prices, delays in paying claims and even an unsatisfactory settlement offer. Regardless of your reason, switching car insurance companies can be pretty painless.

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