Car Insurance Quotes for a Pontiac Grand Prix in Pittsburgh

A recent survey discovered that most drivers in Pennsylvania renewed their policy with the same company for well over three years, and 38% of customers have never even shopped around for lower-cost coverage. With the average car insurance premium being $1,847, American drivers could cut their rates by roughly $850 a year, but they just don’t understand the amount of money they would save if they just switched companies.

Insurance for Pontiac Grand PrixThe recommended way to find low-cost auto insurance rates is to annually compare prices from different companies in Pittsburgh.

The most important part of shopping around is to make sure you’re comparing similar limits and deductibles on every quote and and to look at every insurance company. This helps ensure a fair rate comparison and a thorough selection of prices.

The quickest method we recommend to get policy rate comparisons for Pontiac Grand Prix insurance in Pittsburgh is to understand almost all companies pay for the opportunity to provide you with free rate quotes. To start a quote, the only thing you need to do is provide information including the make and model of your vehicles, if you are currently licensed, whether you are single or married, and how much education you have. Your rating data is instantly submitted to many different companies and they return rate quotes immediately.

To find the cheapest Pontiac Grand Prix insurance rates, click here and see if a lower rate is available in Pittsburgh.

The providers in the list below can provide price comparisons in Pittsburgh, PA. To find cheap auto insurance in Pittsburgh, we recommend you visit as many as you can to get the cheapest price.

Auto insurance does more than just repair your car

Despite the potentially high cost of Pontiac Grand Prix insurance, paying for auto insurance serves several important purposes.

The benefits of having auto insurance greatly outweigh the cost, especially when you need to use it. According to a survey of 1,000 drivers, the average driver overpays more than $865 each year so we recommend shopping around at every policy renewal to help ensure money is not being wasted.

These ten discounts can lower your auto insurance rates

Car insurance companies don’t always list every available discount in an easy-to-find place, so we break down some of the best known as well as some of the hidden ways to save on auto insurance.Save money with discounts

One thing to note about discounts is that most of the big mark downs will not be given to the whole policy. Most only cut specific coverage prices like comprehensive or collision. If you do the math and it seems like you could get a free auto insurance policy, it just doesn’t work that way.

Some companies who may offer some of the discounts shown above include:

Check with each company or agent to give you their best rates. Some discounts listed above may not apply to policyholders everywhere.

Do I need an insurance agency?

Some consumers would rather buy from a licensed agent and that is OK! Licensed agents can help you choose the best coverages and help file insurance claims. An additional benefit of comparing rates online is you can get better rates and still buy from a local agent.

Find insurance agent in PittsburghTo help locate an agent, after submitting this quick form, the coverage information is emailed to agents in your area who will return price quotes for your auto insurance coverage. There is no reason to contact any agents due to the fact that quote results will go immediately to your email address. In the event you want to get a price quote for a specific company, you can always search and find their rate quote page to submit a rate quote request.

Choosing an company shouldn’t rely on just a cheap price. Here are some questions you might want to ask.

Two different types of auto insurance agents

If you are searching for a reliable agent, it helps to know the two types of agencies to choose from. Auto insurance agents are considered either independent or exclusive. Either one can write policy coverage, but we need to point out why they differ because it can impact the selection process.

Exclusive Auto Insurance Agents

Agents that choose to be exclusive have only one company to place business with and some examples include AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot place coverage with different providers so they are skilled at selling on more than just price. Exclusive agencies receive extensive training on their company’s products which can be an advantage.

Below are Pittsburgh exclusive agencies that can give you price quotes.

5869 Forbes AvePittsburgh, PA 15217(412) 521-7070View Map

300 Cedar Blvd #205Pittsburgh, PA 15228(412) 344-3030View Map

1500 Ardmore Blvd Ste 403Pittsburgh, PA 15221(412) 351-3305View Map

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Independent Agents

Independent agents often have many company appointments and that enables them to quote your coverage with an assortment of companies and get you the best rates possible. If you want to switch companies, your agent can just switch to a different company and you don’t have to switch agencies. When comparison shopping, you should always get insurance quotes from independent agents in order to compare the most rates.

The following are Pittsburgh independent insurance agencies who can help you get rate quotes.

700 River Ave # 433Pittsburgh, PA 15212(412) 325-1650View Map

Two Chatham Center, Suite 1060, 112 Washington PlPittsburgh, PA 15219(412) 391-3464View Map

Dowd Insurance Agency Inc
998, Greensburg PikeEast Pittsburgh, PA 15112(412) 271-5477View Map

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Once you have positive feedback to all your questions as well as a price you’re happy with, chances are good that you have found an auto insurance agent that can adequately provide auto insurance.

Insurance coverage specifics

Knowing the specifics of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types found on most insurance policies.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as surgery, EMT expenses, funeral costs and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This can cover damage that occurs to a person or their property that is your fault. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 15/30/5 which means $15,000 in coverage for each person’s injuries, a total of $30,000 of bodily injury coverage per accident, and $5,000 of coverage for damaged property.

Liability coverage protects against things like bail bonds, structural damage, pain and suffering and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible. Pennsylvania requires minimum liability limits of 15/30/5 but it’s recommended drivers buy more liability than the minimum.

The illustration below demonstrates why the minimum limit may not provide you with enough coverage.

Collision protection

Collision insurance covers damage to your Grand Prix from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like driving through your garage door, backing into a parked car, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible on your Grand Prix to get cheaper collision coverage.

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hail damage, falling objects, damage from getting keyed, theft and fire damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Pontiac Grand Prix.

Because many people only carry the minimum required liability limits (15/30/5), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

You can lower your auto insurance rates

In this article, we covered many tips how you can shop for Pontiac Grand Prix insurance online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest premium rates come from an unexpected company. These companies often have lower prices on specific markets compared to the large companies like GEICO and State Farm.

Some companies don’t offer rates over the internet and many times these smaller companies prefer to sell through local independent agencies. Budget-conscious Pontiac Grand Prix insurance is definitely available from both online companies and from local insurance agents, and you need to price shop both to get a complete price analysis.

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced physical damage coverage only to regret that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage at the best cost and still be able to protect your assets.

More detailed auto insurance information is available at these sites: