If saving the most money is your goal, then the best way to get budget Pontiac Grand Prix insurance is to begin comparing prices regularly from insurers that insure vehicles in Omaha.
First, get a basic knowledge of car insurance and the factors you can control to keep rates in check. Many factors that drive up the price like inattentive driving and poor credit history can be amended by making minor changes to your lifestyle. Later in this article we will cover additional ideas to get better rates and find overlooked discounts.
Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or Allstate, while independent agents can quote rates for a wide range of insurance providers. Get quotes now
Third, compare the new rate quotes to your existing coverage and determine if cheaper Grand Prix coverage is available. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, provide proper notification to your current company to cancel your existing policy and submit the completed application along with a down payment to the new insurer. Once the paperwork is finalized, put the new proof of insurance certificate in your glove compartment.
A tip to remember is that you use the same coverage limits and deductibles on each price quote and and to get price quotes from as many auto insurance providers as possible. Doing this provides a fair price comparison and and a good selection of different prices.
We don’t have to tell you that auto insurance companies want to keep you from shopping around. Drivers who shop for lower prices are highly likely to switch auto insurance companies because they stand a good chance of finding coverage at a cheaper rate. A study discovered that consumers who routinely compared rates saved about $3,500 over four years compared to other drivers who never compared rates.
If finding the best rates on car insurance in Omaha is the reason you’re reading this, then learning about how to shop for coverage rates can make the process less intimidating.
To find the best auto insurance prices, there are several ways to compare prices from all the different companies. By far the easiest way to lower the rate you pay for Pontiac Grand Prix insurance is to use the internet to compare rates.
When price shopping your coverage, obtaining a wide range of quotes will increase your chances of finding a better price. Some companies don’t provide price estimates online, so it’s important to also get rates from those companies as well.
The companies shown below are ready to provide comparison quotes in Nebraska. If you wish to find cheap auto insurance in Omaha, NE, we recommend you click on several of them in order to get a fair rate comparison.
Why you need quality insurance for your vehicle
Even though it can be expensive, buying insurance is most likely required but also gives you several important benefits.
- Just about all states have mandatory insurance requirements which means you are required to carry specific limits of liability insurance in order to get the vehicle licensed. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your Pontiac, more than likely the lender will require you to buy full coverage to protect their interest in the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Pontiac at a much higher rate and make you pay for the expensive policy.
- Insurance preserves not only your Pontiac but also your financial assets. It will also cover medical expenses incurred in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance are definitely more than the cost, especially with large liability claims. The average driver in Nebraska overpays more than $850 per year so it’s important to compare rates each time the policy renews to ensure rates are competitive.
Lower rates by qualifying for discounts
Some insurance providers do not advertise all discounts very well, so here is a list a few of the more well known as well as some of the hidden car insurance savings. If you don’t get every credit available, you are paying more than you should be.
- Seat Belts Save – Drivers who require all vehicle occupants to buckle up before driving can save a little off the PIP or medical payment premium.
- Onboard Data Collection – Insureds that choose to allow companies to track their driving habits through the use of a telematics system such as State Farm’s In-Drive could possibly reduce rates if they show good driving skills.
- Safe Driver Discount – Drivers without accidents can save as much as half off their rates than less cautious drivers.
- Student Discounts – Being a good student may save you up to 25%. The good student discount can last well after school through age 25.
- Distant Student – Any of your kids living away from Omaha attending college and do not have a car can be insured at a reduced rate.
We need to note that most credits do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like all those discounts means the company will pay you, that’s just not realistic.
A few popular companies and some of the premium reductions they offer are shown below.
- State Farm offers discounts including multiple autos, student away at school, defensive driving training, Drive Safe & Save, good student, and safe vehicle.
- Farmers Insurance discounts include youthful driver, alternative fuel, electronic funds transfer, early shopping, homeowner, and multi-car.
- GEICO may include discounts for military active duty, emergency military deployment, five-year accident-free, membership and employees, air bags, and seat belt use.
- American Family offers discounts for accident-free, defensive driver, mySafetyValet, good driver, air bags, and good student.
- Nationwide policyholders can earn discounts including good student, business or organization, family plan, defensive driving, anti-theft, and multi-policy.
- Progressive has discounts for online signing, multi-vehicle, good student, continuous coverage, multi-policy, and homeowner.
Before purchasing a policy, check with each insurance company to give you their best rates. Some discounts listed above may not apply to policies in every state.
When in doubt talk to an agent
Always remember that when buying your policy, there is no “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply.
These are some specific questions may help you determine if you may require specific advice.
- Is my Pontiac Grand Prix covered for flood damage?
- Am I covered if I wreck a rental car?
- Can I drive in Mexico and have coverage?
- Is rental equipment covered for theft or damage?
- If I drive on a suspended license am I covered?
- Where can I get insurance after a DUI in Nebraska?
- Why am I required to get a high-risk car insurance policy?
- When should I not file a claim?
If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.