8 Discounts Las Vegas Consumers Miss when Buying Insurance Online for a Pontiac Grand Prix
Locating low-cost insurance for a Pontiac Grand Prix in Nevada could be difficult, but you can use the following methods to save time. There is a better way to buy auto insurance so you’re going to learn the best way to compare rates on a Pontiac and get the cheapest rates from Las Vegas insurance agents and online providers.
Eight discounts to earn lower Las Vegas auto insurance rates
Auto insurance is not inexpensive, but discounts can save money and there are some available to help offset the cost. A few discounts will be applied at the time of purchase, but a few need to be specifically requested before they will apply.
- Senior Citizen Rates – Drivers over the age of 55 are able to get reduced rates on Grand Prix insurance.
- Student in College – Older children who live away from home to go to college and leave their car at home could get you a discount.
- Low Mileage Discounts – Driving fewer miles could earn lower premium rates due to less chance of an accident.
- No Charge for an Accident – This one is not really a discount per se, but companies like Liberty Mutual, Allstate and State Farm may permit one accident without raising rates if your claims history is clear for a specific time period.
- Safety Course Discount – Participating in a course in defensive driver could earn you a small percentage discount and also improve your driving technique.
- Sign Early and Save – A few companies give discounts for switching to them before your current policy expires. This can save 10% or more.
- Bundle and Save – If you insure your home and vehicles with the same company you could earn a discount of at least 10 to 15 percent or more.
- Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn lower premium rates if you buy a life policy as well.
As a sidenote, many deductions do not apply to your bottom line cost. Some only apply to individual premiums such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way.
A partial list of companies that have these discounts may include but are not limited to:
When comparing rates, check with every insurance company which discounts they offer. Some credits might not be available to policyholders in Las Vegas. If you would like to choose from a list of providers that offer some of these discounts in Nevada, follow this link.
The quickest method we recommend to compare policy rates is to realize auto insurance companies pay for the opportunity to provide you with a free rate quote. All you need to do is give them rating details such as whether you are married, which vehicles you own, how old drivers are, and your education level. That rating information gets transmitted to multiple auto insurance providers and they provide comparison quotes immediately.
To compare rates now, click here and complete the quick form.
Auto insurance coverages 101
Knowing the specifics of your policy helps when choosing appropriate coverage for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring.
Auto liability – Liability insurance can cover damage that occurs to a person or their property. 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 might see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.
Liability can pay for things like pain and suffering, emergency aid, repair costs for stationary objects, attorney fees and medical services. How much coverage you buy is a personal decision, but buy as much as you can afford. Nevada requires minimum liability limits of 15,000/30,000/10,000 but drivers should carry better liability coverage.
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Pontiac Grand Prix.
Because many people only carry the minimum required liability limits (Nevada limits are 15/30/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
Comprehensive coverage (or Other than Collision) – This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like a broken windshield, damage from a tornado or hurricane, hail damage, damage from getting keyed and falling objects. The maximum payout your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Collision coverages – Collision coverage pays for damage to your Grand Prix caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.
Collision can pay for claims such as colliding with a tree, sustaining damage from a pot hole, colliding with another moving vehicle, rolling your car and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
Insurance for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses such as pain medications, chiropractic care, doctor visits, funeral costs and nursing services. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible
A little work can save a LOT of money
As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice physical damage coverage only to regret at claim time that they should have had better coverage. Your objective should be to buy a smart amount of coverage for the lowest cost while not skimping on critical coverages.
Consumers who switch companies do it for a number of reasons such as high prices, poor customer service, delays in paying claims or unfair underwriting practices. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.
We just showed you many tips how you can get a better price on Pontiac Grand Prix insurance. The key concept to understand is the more price quotes you have, the better likelihood of getting . You may even find the lowest car insurance rates are with a company that doesn’t do a lot of advertising.