Trying to find better insurance prices for your Pontiac Grand Prix in Arizona can turn out to be difficult, but you can learn the following methods to find lower rates. There are more efficient ways to find auto insurance online and you need to know the quickest way to get price quotes on a Pontiac and find the cheapest rates from both online companies and Phoenix agents.
If you’re already insured or just want cheaper coverage, use these techniques to buy cheaper car insurance while maximizing coverage. Comparing quotes for cheaper car insurance in Phoenix is not that difficult. Smart shoppers only need an understanding of the fastest way to compare prices online.
Affordable rates by taking advantage of discounts
Some insurance providers don’t always publicize all possible discounts very clearly, so the list below gives a summary of both well-publicized and also the lesser-known discounts you could be receiving when you buy Phoenix auto insurance online.
- Responsible Drivers – Drivers without accidents can get discounts for up to 45% lower rates than drivers with accidents.
- Air Bags and Passive Restraints – Factory options such as air bags can qualify for discounts of 25 to 30%.
- Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle up before driving can save up to 15% off the PIP or medical payment premium.
- Driver Safety – Completing a course that instructs on driving safety is a good idea and can lower rates if your company offers it.
- Government Employees – Active or former government employment may qualify for a discount when you quote Phoenix auto insurance with some insurance companies.
- Discount for Multiple Policies – If you combine your homeowners and auto policies and insure them both with the same insurance company you could save as much as 10 to 15 percent.
- Low Miles Discount – Maintaining low annual mileage could earn lower insurance rates on the low mileage vehicles.
Remember that some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you could get a free insurance policy, company stockholders wouldn’t be very happy.
Larger insurance companies and a summarized list of policyholder discounts are shown below.
- State Farm may offer discounts for student away at school, good driver, driver’s education, Drive Safe & Save, multiple policy, defensive driving training, and anti-theft.
- Farmers Insurance has discounts for alternative fuel, youthful driver, early shopping, bundle discounts, and pay in full.
- GEICO has savings for membership and employees, five-year accident-free, seat belt use, military active duty, and emergency military deployment.
- American Family includes discounts for TimeAway discount, Steer into Savings, bundled insurance, good driver, air bags, and multi-vehicle.
- Nationwide offers premium reductions for accident-free, family plan, multi-policy, business or organization, good student, defensive driving, and Farm Bureau membership.
- Progressive offers discounts for continuous coverage, online signing, multi-vehicle, good student, and multi-policy.
Double check with every insurance company which discounts you may be entitled to. All car insurance discounts might not be offered on policies everywhere. If you would like to see a list of insurance companies who offer cheap Pontiac Grand Prix insurance quotes in Arizona, follow this link.
Most major insurance companies allow you to get insurance quotes direct online. Doing online price comparisons for Pontiac Grand Prix insurance in Phoenix can be done by anyone as you just enter your coverage information into the quote form. After you complete the form, their quoting system will obtain information on your driving record and credit history and returns pricing information.
Quoting online for Pontiac Grand Prix insurance in Phoenix makes comparing rates easy, and it’s necessary to perform this step if you are searching for a lower rate.
To quickly find out if lower rates are available, compare rate quotes from the providers shown below. To compare your current rates, we recommend you duplicate deductibles and limits exactly as they are listed on your policy. This guarantees you will receive rate quotes based on identical coverages.
The car insurance companies shown below are our best choices to provide free quotes in Arizona. If more than one company is shown, we suggest you visit several of them to get a more complete price comparison.
Informed Consumers Can Reduce Insurance Rates
An important part of buying insurance is that you know some of the things that aid in calculating the rates you pay for insurance. If you understand what controls the rates you pay, this allows you to make good choices that may reward you with lower premium levels.
How’s your driving record? – Drivers with clean records get better rates than bad drivers. Even one chargeable violation can increase the cost of insurance by twenty percent. People who have dangerous violations such as reckless driving, hit and run or driving under the influence may find they need to prove financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
Your occupation may affect premiums – Occupational choices like fire fighters, airline pilots, and emergency personnel have higher premiums than the average policyholder because of high stress levels and long work hours. On the flip side, occupations such as professors, students and homemakers have the lowest average rates.
Liability protection is cheap – A critical coverage on your policy, liability insurance provides coverage if you are found liable for causing personal injury or damage in an accident. Liability provides legal defense coverage which can cost a lot. It is affordable coverage compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
Keep the miles off and save – The more you drive your Pontiac every year the higher your rate. The majority of insurers charge to insure your cars based upon how much you drive. Cars and trucks not used for work or commuting get more affordable rates than cars that get driven a lot. Having the wrong rating on your Grand Prix can result in significantly higher rates. Double check that your insurance policy correctly shows the correct driver usage, because improper ratings can cost you money.
Low comp and collision deductibles cost more – Your deductibles are how much you are required to pay if you file a covered claim. Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your car. A few examples of covered claims could be collision with another vehicle, collision with a deer, and damage from wind. The larger the amount you pay before a claim is paid (deductible), the lower your rates will be.
Type of car, truck or SUV determines base rates – The performance level of the car, truck or SUV you need insurance for makes a huge difference in determining your rates. The lowest base rates are usually for smaller low performance passenger vehicles, but the final cost of insurance is determined by many other factors. Due to the fact that the Pontiac Grand Prix is considered a coupe, insuring your vehicle will cost similar in price when compared to the average rates in Phoenix.
Get better rates if married – Having a spouse may save some money on insurance. Having a significant other may mean you are more mature than a single person and it’s proven that married drivers tend to file fewer claims.
What is the best car insurance coverage?
When selecting insurance from an agent or online, there really isn’t a “perfect” insurance plan. Your needs are unique to you so your insurance should reflect that For instance, these questions can aid in determining if your insurance needs may require specific advice.
- Why do I have to buy liability insurance?
- If I drive on a suspended license am I covered?
- What is the difference between comprehensive and collision coverage?
- Are my custom wheels covered?
- How much coverage applies to personal belongings?
- How much liability coverage do I need in Arizona?
If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and you can get the answers you need.
When to talk to an insurance agent
A lot of people would rather talk to a local agent and that is not a bad decision Professional insurance agents are trained risk managers and help submit paperwork. One of the great benefits of getting online price quotes is that you can obtain cheap rate quotes and still have a local agent.
Upon completion of this form (opens in new window), your information is emailed to companies in Phoenix who will give you quotes for your insurance coverage. You won’t even need to visit any agencies because prices are sent immediately to your email address. If you wish to compare prices from a specific insurance company, you just need to visit that company’s website to submit a rate quote request.
Finding a good insurance company is decision based upon more than just the quoted price. The questions below may impact your decision as well.
- Do you qualify for any additional discounts?
- Do you work with a CSR or direct with the agent?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Will the agent help in case of a claim?
- What kind of financial rating does the company have?
- Do they review policy coverages at every renewal?
The type of auto insurance agent you choose is important
When researching a reliable insurance agent, you need to know there are two types of agencies to choose from. Agents in Phoenix can be categorized as either independent (non-exclusive) or exclusive. Both can insure your vehicles, but it’s worth mentioning the differences since it can affect buying decisions.
Exclusive Insurance Agents
Exclusive insurance agents can usually just insure with one company like State Farm, Allstate, and Farm Bureau. Exclusive agents cannot provide other company’s prices so you might not find the best rates. Exclusive agencies are trained well on what they offer which helps them sell insurance even at higher premiums. Drivers often buy insurance from these agents mainly due to loyalty to the company rather than having low rates.
Listed below are exclusive agents in Phoenix who may provide you with price quotes.
- Bob Schneider – State Farm Insurance Agent
243 W Portland St – Phoenix, AZ 85003 – (602) 277-2687 – View Map
- Jim Nork – State Farm Insurance Agent
1600 W Camelback Rd #1a – Phoenix, AZ 85015 – (602) 222-9400 – View Map
- John Abercrombie III – State Farm Insurance Agent
7207 N 7th St – Phoenix, AZ 85020 – (602) 906-0299 – View Map
These type of agents can quote rates with many companies and that gives them the ability to insure with a variety of different insurance companies and find you cheaper rates. If they quote lower rates, they can switch companies in-house and you don’t have to switch agencies. When comparing rates, we recommend you check rates from several independent insurance agents to ensure the widest selection of prices. They also have the ability to place coverage with mutual insurance companies which may provide better rates.
Shown below are Phoenix independent agents willing to provide price quote information.
- Citywide Insurance
1529 W Thomas Rd – Phoenix, AZ 85015 – (602) 241-9200 – View Map
- Farmer-Leavitt Insurance Agency
919 N 1st St – Phoenix, AZ 85004 – (602) 264-0566 – View Map
- LA Insurance Agency
7602 S Central Ave – Phoenix, AZ 85042 – (602) 276-0002 – View Map
Upon receiving good feedback and a low price estimate, it’s possible that you found a car insurance agent that can provide insurance coverage. Keep in mind you can terminate your policy whenever you want so don’t think that you’re stuck with your new company with no way to switch.
Here’s why insurance is not optional
Despite the high cost, maintaining insurance serves a purpose in several ways.
- Just about all states have mandatory insurance requirements which means you are required to buy specific minimum amounts of liability in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you took out a loan on your Grand Prix, it’s guaranteed your bank will require you to have physical damage coverage to ensure loan repayment if the vehicle is totalled. If the policy lapses, the lender may have to buy a policy to insure your Pontiac at a much higher rate and force you to reimburse them for the expensive policy.
- Insurance preserves both your Pontiac and your personal assets. Insurance will pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you cause an accident and are sued. If you have damage to your Pontiac as the result of the weather or an accident, your policy will pay all costs to repair after the deductible has been paid.
The benefits of having insurance definitely exceed the price paid, particularly if you ever have a claim. According to a 2015 survey, the average American driver overpays more than $850 per year so you should quote and compare rates at every renewal to help ensure money is not being wasted.
Quote more and you will save more
In this article, we presented quite a bit of information on how to get a better price on Pontiac Grand Prix insurance in Phoenix. The key concept to understand is the more companies you get premium rates for, the higher the chance of saving money. You may even find the best car insurance rates are with a smaller regional carrier. Some small companies may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.
Cheaper Pontiac Grand Prix insurance in Phoenix is possible both online as well as from insurance agents, and you should be comparing both to have the best rate selection. Some companies may not have online quoting and most of the time these small, regional companies provide coverage only through independent insurance agents.
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