Want to learn the secrets to finding the cheapest Pontiac Grand Prix insurance in San Diego? Are you drained from not being able to scrape enough together to buy car insurance? Your situation is no different than millions of other vehicle owners.
It’s hard to believe, but a large majority of drivers have purchased from the same company for at least the last four years, and 38% of drivers have never even shopped around for cheap coverage. Consumers in San Diego could cut their rates by 35% a year just by getting comparison quotes, but they feel it’s too difficult to find cheap car insurance rates. Popular companies such as GEICO, Progressive and Allstate persitently shower you with catchy ads and it is difficult to see through the cute green geckos and mayhem and take the time to shop coverage around.
If you have a policy now or need a new policy, use these money-saving tips to lower your rates while maximizing coverage. Finding the cheapest coverage in San Diego can be easy if you know a few tricks. Drivers just have to understand the most effective way to shop their coverage around instantly.
The majority of larger companies like GEICO, State Farm and Progressive allow you to get insurance quotes on their websites. Getting online rates for Pontiac Grand Prix insurance in San Diego doesn’t take much effort as all you need to do is type in your personal and coverage information into the quote form. Behind the scenes, the quote system will order your driving and credit reports and gives you a price quote based on these and other factors. This makes it a lot easier to compare rates and it’s necessary to get many rate quotes in order to find affordable car insurance pricing.
To compare pricing, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you input deductibles and limits exactly as shown on your declarations page. This ensures you will be getting rate quotes for exact coverage.
The companies shown below provide price comparisons in San Diego, CA. If multiple companies are listed, we suggest you get rates from several of them to get the most competitive price.
Insurance discounts help lower rates for Pontiac Grand Prix insurance in San Diego
Some providers do not list all available discounts very well, so the following list contains some of the more common as well as the least known credits available to you. If they aren’t giving you every credit you deserve, you may be paying too high a price.
- Accident Waiver – This one isn’t a discount, but companies like Progressive and Allstate will turn a blind eye to one accident without raising rates so long as you are claim-free for a set time period.
- Membership in Organizations – Being in certain professional organizations could earn you a nice discount when getting a San Diego car insurance quote.
- Full Payment Discount – If you can afford to pay the entire bill instead of making monthly payments you could save up to 5%.
- Discounts for Government Workers – Active or retired federal employment could cut as much as 10% off depending on your insurance provider.
- College Student – Youth drivers who are attending college and don’t have a car may be able to be covered for less.
- No Claim Discounts – Claim-free drivers can save substantially as opposed to frequent claim filers.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 15% off the personal injury premium cost.
- Auto/Life Discount – Insurance companies who offer life insurance give a discount if you purchase auto and life insurance together.
- Air Bags and Passive Restraints – Options like air bags or motorized seat belts may get savings of more than 20%.
- Drive Less and Save – Low annual miles could qualify for cheaper rates.
A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.
Some of the larger companies that may offer most of the discounts above include:
If you need lower rates, check with all companies you are considering how you can save money. All car insurance discounts might not be offered in San Diego. If you would like to see a list of providers who offer discounts in California, click here to view.
Exclusive versus independent insurance agents
A lot of people would rather talk to an insurance agent and that is not a bad decision Experienced insurance agents can help you build your policy and give you someone to call. The biggest benefit of getting online price quotes is that drivers can save money and get better rates but also keep your business local. Buying insurance from neighborhood agents is important especially in San Diego.
To make it easy to find an agent, after completing this short form, your information is instantly submitted to agents in your area who will gladly provide quotes for your insurance coverage. You won’t even need to even leave your home since rate quotes are delivered to you directly. If you need to get a rate quote from one company in particular, you would need to go to their quote page and submit a quote form there.
Exclusive agents vs. Independent agents
If you want a reliable insurance agency, there are two different types of agencies and how they are slightly different. Auto insurance agents can either be exclusive or independent (non-exclusive). Either can provide auto insurance policies, but it’s important to point out how they are different because it can factor into which agent you choose.
Independent Auto Insurance Agents (or Brokers)
Agents in the independent channel are not required to write business for one company and that enables them to quote your coverage with multiple insurance companies and get you the best rates possible. If your premiums go up, they simply switch companies in-house without you having to go to a different agency.
If you need lower rates, we recommend you get quotes from at a minimum one independent agency in order to have the best price comparison.
Listed below are independent insurance agencies in San Diego that may be able to give you rate quotes.
Exclusive Insurance Agencies
Exclusive agencies can only quote rates from one company and some examples include Allstate, State Farm and Farmers Insurance. They usually cannot provide other company’s prices so it’s a take it or leave it situation. They are usually well trained on their company’s products which aids in selling service over price.
Listed below are exclusive agents in San Diego who can help you get comparison quotes.
Finding the right car insurance agent requires more thought than just a cheap quote. A good agent in San Diego will have answers to these questions.
- Does the quote include credit and driving reports?
- How often do they review coverages?
- Do they regularly work with personal auto policies in San Diego?
- How will an accident affect your rates?
- Which insurance companies are they affiliated with?
You are unique and your auto insurance should be too
When quoting and comparing coverage online or from an agent, there isn’t really a one-size-fits-all type of policy. Your needs are not the same as everyone else’s.
Here are some questions about coverages that may help highlight whether your personal situation might need an agent’s assistance.
- Why do I only qualify for high-risk insurance?
- Are rock chip repairs covered?
- Is my Pontiac Grand Prix covered for flood damage?
- Is my trailer covered?
- What does UM/UIM cover?
- Am I covered if my car is in a flood?
- What is the premium to book value ratio for dropping full coverage?
- Do I get a pro-rated refund if I cancel my policy early?
If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.
San Diego Insurance Premiums are Influenced by These Factors
Consumers need to have an understanding of the rating factors that help determine your premiums. If you know what influences your rates, this allows you to make educated decisions that may reward you with much lower annual insurance costs.
Shown below are some of the factors used by insurance companies to determine prices.
Poor credit rating equals high rates – Your credit rating can be an important factor in determining what you pay for car insurance. If your credit rating is lower than you’d like, you could save money insuring your Pontiac Grand Prix by taking the time to improve your credit score. Insureds that have very good credit scores tend to be more responsible than those with worse credit.
Safer cars are cheaper to insure – Cars with high safety ratings tend to have better insurance rates. Safer cars reduce the chance of injuries and lower rates of occupant injuries means lower claim amounts and cheaper rates on your policy.
Amount of liability – Liability insurance provides coverage in the event that you are determined to be liable for damages caused by your negligence. Your liability coverage provides you with a defense in court up to the limits shown on your policy. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
Poor driving leads to higher costs – Drivers with clean records pay less for auto insurance compared to drivers with tickets. Getting just one speeding ticket or other violation can increase the cost of insurance substantially. Drivers who get flagrant violations like DUI, reckless driving or excessive speeding may face state-mandated requirements to complete a SR-22 with their state DMV in order to drive a vehicle legally.
Your job is a factor – Did you know your job can affect your rates? Occupational choices like military generals, social workers and stock brokers tend to have the highest average rates attributed to intense work situations and long work days. On the flip side, occupations like scientists, students and the unemployed receive lower rates.
It may be expensive, but it’s not optional
Despite the potentially high cost of Pontiac Grand Prix insurance, insuring your vehicle is required for several reasons.
First, most states have compulsory liability insurance requirements which means state laws require a minimum amount of liability coverage in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you bought your vehicle with a loan, more than likely the lender will have a requirement that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may insure your Pontiac at an extremely high rate and force you to reimburse them for it.
Third, auto insurance preserves both your assets and your vehicle. It will also provide coverage for medical bills for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you are named as a defendant in an auto accident. If you have damage to your Pontiac as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of buying auto insurance greatly outweigh the cost, especially with large liability claims. The average driver in America overpays as much as $865 each year so compare quotes from several companies every year to make sure the price is not too high.
Get the best coverage at the lowest price
Some auto insurance companies do not offer rates over the internet and usually these small insurance companies only sell through local independent agents. Low-cost Pontiac Grand Prix insurance in San Diego can be found from both online companies and also from your neighborhood San Diego agents, and you should compare price quotes from both to have the best rate selection.
As you quote San Diego car insurance, never buy less coverage just to save a little money. In many cases, an accident victim reduced liability limits or collision coverage only to regret they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage at the best cost and still be able to protect your assets.
In this article, we presented some good ideas how to compare Pontiac Grand Prix insurance rates in San Diego. It’s most important to understand that the more you quote San Diego car insurance, the better your chances of lowering your car insurance rates. You may even find the best rates are with an unexpected company.
To learn more, feel free to browse the articles below:
- State Laws for Cellphones and Texting (iihs.org)
- Who Has the Cheapest San Diego Car Insurance for High Risk Drivers? (FAQ)
- What Insurance is Cheapest for a Hyundai Elantra in San Diego? (FAQ)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Reducing Your Risks in a Car Crash Video (iihs.org)