Car Insurance Quotes for the Pontiac Grand Prix

The Pontiac Grand Prix is a historied mid-sized vehicle that dates back to the early ‘60s when muscle cars were hot. Whether yours is an older version or one of the more recent sportier iterations, you can get out and enjoy your ride as soon as you protect it with auto insurance. For an average of between $68 and $136 per month, you can get the right coverage and hit the road with your new wheels.

These numbers are an average. To get cheap car insurance for the coverage you need, a Freeway Insurance agent will discuss a host of details, each affecting your final cost. Keep reading to learn more about some of these factors and how they affect your monthly premiums.

You get to decide how well you want to protect yourself and your vehicle in case you’re ever in an accident or other covered event. You can choose the type of car insurance coverage you prefer, and your insurer will charge you based on that decision. The two options you’ll most likely encounter are full coverage and state minimum liability.

Full Coverage

If you want to cruise around comfortably in your Pontiac Grand Prix with the peace of mind of knowing that you have the best financial protection available against accidents, a full coverage policy for an average of $136 per month is the way to go. Your insurer will pay for damages to your vehicle even if you’re at fault for an accident with this type of policy. It will also reimburse you if your vehicle is stolen or for damages from non-driving-related incidents, such as a hailstorm or a branch that falls from a tree.

State Minimum Liability

If you prefer to scale down the cost and choose a lower level of protection, you can pay an average of $68 monthly for minimum liability coverage. Let your insurer know that you want the bare minimum level of coverage allowed by law, which is different in every state.

For instance, if you obtain car insurance in Arkansas, you will have to purchase bodily injury protection of $25,000 per person and $50,000 per accident in case you injure someone while driving and $25,000 for property damage per accident. You would have to weigh the lower premium costs against the risk of ever needing to use this policy since medical bills and property damage from an accident can pile up, and you would have to pay out-of-pocket for any amounts above your coverage limits.

Insurers use statistics to calculate risk and potential costs to determine how much you’ll pay for your policy. These are three of the many details they will look at:

Gender

Although there are some exceptions, most states allow insurers to research statistics based on gender. Since risk levels will be different for men and women, your exact policy cost will depend on whether you’re a female or a male.

Your Claims History

Your insurer will check to see if you’ve had any recent driving-related claims. The more claims you have in your history, the more the insurer will view you as a client who is likely to file a claim with them.

Your Age

Teenagers are considered high-risk drivers when they first get behind the wheel. As they mature and gain experience, their rates drop significantly. At some point, statistically, drivers become a slightly higher risk with advanced age, which will cause premiums to increase.

People who drive while under the influence of alcohol are more likely than others to cause an accident. If you’re found guilty of drinking and driving, your insurer will consider you a high-risk driver. They will charge you significantly more for coverage, and you’ll have to file an SR-22 certificate.

The original Grand Prix entered the market in 1962 as a muscle car with a 6.4 liter V8 engine. Pontiac reinvented it as a luxury vehicle in the ‘70s, an ordinary sedan in the ‘80s, and added some sporty touches plus a 3.1 liter V6 engine in 1990. The final model year for the Grand Prix was 2008. It was retired as a mid-sized sedan with options for a 3.8 to 5.3 liter V6 to V8 engine with horsepower ranging between 203 and 307, depending on the model.