1999 Pontiac Grand Prix Car Insurance Quotes

Searching for lower auto insurance rates for your Pontiac Grand Prix? If you’re trying to find lower-cost insurance on the web, are you baffled by the number of auto insurance choices in your area? Vehicle owners have such a large number of options that it can really be a lot of work to locate the lowest auto insurance rates.

Consumers need to do price comparisons at least once a year because prices trend upward over time. Even if you got the best rates on Grand Prix insurance at your last renewal there is a good chance you can find better premium rates now. Forget all the misinformation about auto insurance because we’re going to demonstrate one of the quickest ways to find better coverage at a better price.

How to lower your insurance premiums

The best way to find cheaper car insurance is to take a look at some of the factors that aid in calculating the level of your policy premiums. If you have some idea of what influences your rates, this allows you to make good choices that may reward you with lower premium levels. Many things are considered when you get your auto insurance bill. Some are pretty understandable such as traffic violations, but other factors are less obvious such as your credit history or how financially stable you are.

The items below are some of the most common factors used by insurance companies to determine your prices.

  • Insurance rates in urban areas – Residing in less populated areas has it’s advantages when talking about car insurance. Fewer drivers on the road translates into fewer accidents and a lower car theft rate. Urban drivers regularly have congested traffic and longer commute times. Longer commute distances means a statistically higher chance of an accident.
  • Discounts for auto and home policies – Some car insurance companies apply lower prices to insureds that purchase more than one policy in the form of a multi-policy discount. Even with this discount, you may still want to check prices from other companies to verify if the discount is saving money. You may still be able to find better rates even if you have your coverage with different companies
  • Maintain car insurance coverage – Driving with no insurance is a big no-no and you will pay a penalty because you let your coverage have a gap. And not only will your rates increase, failure to provide proof of insurance may result in a steep fine or even jail time.
  • Younger drivers are expensive to insure – Youthful drivers are known to be easily distracted when behind the wheel so they pay higher car insurance rates. Adding a youthful driver to your car insurance policy can be very expensive. Older insureds are more cautious drivers, file fewer claims and are safer drivers.
  • Drive fewer miles and save – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. A lot of insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks used primarily for pleasure use can be on a lower rate level than those that get driven frequently. An incorrectly rated Grand Prix can cost quite a bit. It’s a smart idea to ensure your policy is rated on the correct driver usage.
  • Liability coverage preserves assets – Liability coverage will protect you when you are found to be at fault for physical damage or personal injury to other. Liability insurance provides legal defense to attempt to prove you were not liable. This coverage is very inexpensive compared to physical damage coverage, so insureds should have plenty of protection for their assets.

Cheap insurance quotes online

Performing a rate comparison can be challenging if you don’t know the fastest way to get free quotes. You can waste hours talking about coverages with insurance companies in your area, or you can utilize the internet to get the quickest rates.

Most of the larger companies are enrolled in a marketplace where prospective buyers submit their information once, and each participating company can provide price quotes. This system prevents you from having to do repetitive form submissions to each individual insurance company.

To find out how much you can save on insurance click here (opens in new window).

One minor caviat to doing it this way is buyers cannot specifically choose which carriers you want to price. So if you prefer to pick from a list of companies for rate comparison, we have assembled a list of the cheapest insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but try to keep identical coverage information on every quote you get. If you have differing limits you will not be able to determine the best price for your Pontiac Grand Prix. Just a small difference in insurance coverages or limits can make a big difference in price. And when quoting insurance, remember that more quotes gives you a better chance of getting better pricing.

Advertising and insurance coverage

Popular insurance coverage providers such as Progressive, GEICO, Allstate and State Farm consistently run television, radio, and online ads. All the ads advertise claims that you’ll save big just by moving your policy. How can each company charge lower premium rates? This is how they do it.

Insurance companies have strict underwriting profiles for the type of customer that makes them money. For instance, a profitable customer might be described as between the ages of 30 and 50, has no prior claims, and drives less than 10,000 miles a year. Someone who fits that profile receives the best rates and will also save when they switch companies.

Potential insureds who are not a match for those criteria will have to pay more expensive rates and this can result in the customer buying from a different company. The ads state “customers that switch” not “everybody who quotes” can save as much as they claim. That is how companies can make those claims.

This illustrates why you really need to compare as many free car insurance quotes as you can. It’s just not possible to know with any certainty which company will be your best fit.

Do you qualify for discount car insurance?

The price of auto insurance can be rather high, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be triggered automatically at the time of purchase, but a few need to be specifically requested before being credited.

  • Bundle and Save – If you can combine your auto and home policy and insure them both with the same insurance company you may save up to 20% and get you inexpensive car insurance.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts could save 15% off the personal injury premium cost.
  • Defensive Driver Discounts – Taking part in a driver safety course could earn you a small percentage discount and also improve your driving technique.
  • Service Members Pay Less – Being deployed in the military could be rewarded with lower premium rates.
  • Savings for New Vehicles – Buying a new car instead of a used car can be considerably cheaper because new model year vehicles have to meet stringent safety requirements.
  • Drive Less and Save – Low annual miles may allow you to get better premium rates on cars that stay parked.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in school.
  • Cautious Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Grand Prix insurance than drivers with accident claims.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags may earn rate discounts of more than 20%.
  • Discounts for Government Workers – Simply working for the federal government may reduce rates when you quote car insurance on Grand Prix insurance with select insurance companies.

One thing to note about discounts is that some of the credits will not apply to your bottom line cost. Most cut specific coverage prices like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, it’s just not the way it works. But all discounts will definitely reduce your car insurance premiums.

If you would like to choose from a list of companies with discount rates, click here to view.

What insurance coverages do I need?

When choosing the best insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions may help highlight whether you would benefit from an agent’s advice.

  • Is a new car covered when I drive it off the dealer lot?
  • Can I rate high risk drivers on liability-only vehicles?
  • When should I drop full coverage on my 1999 Pontiac Grand Prix?
  • Does car insurance cover theft of personal property?
  • Am I covered when driving in Canada or Mexico?
  • How do I file an SR-22 for a DUI in my state?
  • Which is better, split liability limits or combined limits?
  • How much can I save by bundling my policies?
  • Do I get a pro-rated refund if I cancel my policy early?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Coverages available on your insurance policy

Knowing the specifics of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for bills such as rehabilitation expenses, X-ray expenses, prosthetic devices and pain medications. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, rock chips in glass and falling objects. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision – Collision coverage will pay to fix damage to your Grand Prix resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, rolling your car, driving through your garage door, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Liability coverages – Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims like repair bills for other people’s vehicles, legal defense fees, attorney fees and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Pontiac Grand Prix.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Get your money’s worth

People who switch companies do it for a variety of reasons including delays in responding to claim requests, denial of a claim, extreme rates for teen drivers or even high prices. Regardless of your reason, finding a new company is easier than you think.

When getting car insurance quotes online, you should never buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy a smart amount of coverage for the lowest cost, but don’t skip important coverages to save money.

Low-cost 1999 Pontiac Grand Prix insurance can be sourced online as well as from insurance agents, and you need to comparison shop both so you have a total pricing picture. Some auto insurance companies don’t offer online price quotes and usually these smaller providers provide coverage only through local independent agents.

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