1999 Pontiac Grand Prix Insurance Quotes – 8 Ways to Save

Searching for cheaper insurance coverage rates for your Pontiac Grand Prix? No one in their right mind cherishes buying insurance coverage, in particular when the cost is too high.

Big companies like State Farm, Progressive and GEICO promote their brand names with ad campaigns and it is challenging if not impossible to ignore the flashy ads and take the time to shop coverage around.

Fast and Easy Insurance Coverage Quotes

All major insurance coverage companies provide price estimates directly from their websites. Getting online rates is quite easy as you simply enter your required coverages as requested by the quote form. When complete, the system pulls your driving record and credit report and provides a quote based on these and other factors. Online quotes simplifies rate comparisons, but the process of having to visit different websites and enter the same data into a form is repetitive and time-consuming. But it’s very important to compare as many rates as possible in order to get the best price on insurance coverage.

Isn’t there an easier way to compare rates?

A less time-consuming method to compare rates requires only one form that obtains quotes from a lot of companies. It saves time, requires much less work on your part, and makes comparison shopping much easier to do. After sending the form, it is rated and you can select any one of the quotes returned. If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. The whole process takes just a few minutes to complete and may save quite a bit of money.

If you want to get comparison pricing now, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you input deductibles and limits as close as possible to your current policy. This helps ensure you will have rate quotes based on the exact same insurance coverage.

Do drivers who switch really save $425 a year?

Companies like Progressive, Allstate and GEICO regularly use ads in print and on television. All the ads make the same claim about savings if you move to their company. How does each company say the same thing?

Different companies are able to cherry pick for the type of driver they prefer to insure. For example, a desirable insured could be between 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. Any driver who fits that profile will get very good rates and most likely will cut their rates substantially.

Consumers who fall outside the “perfect” profile will be quoted a more expensive rate and ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “everyone that quotes” save money. That is how companies can truthfully state the savings. This emphasizes why it’s extremely important to get as many comparisons as possible. It’s just too difficult to predict which company will provide you with the cheapest Pontiac Grand Prix insurance rates.

Lots of discounts mean lots of savings

Auto insurance companies don’t list every discount in an easy-to-find place, so we researched some of the best known and the more hidden discounts you could be receiving.

  • Multiple Cars – Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Paperless Signup – Certain companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Student in College – Youth drivers who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • No Claims – Claim-free drivers can earn big discounts when compared to accident-prone drivers.
  • Homeowners Pay Less – Owning a house may trigger a car insurance policy discount because of the fact that having a home is proof that your finances are in order.
  • Defensive Driving Course – Completing a course in driver safety could cut 5% off your bill if your company offers it.
  • 55 and Retired – Older drivers may qualify for a discount up to 10% for Grand Prix insurance.

As a disclaimer on discounts, some credits don’t apply to your bottom line cost. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn’t work that way.

To see a list of providers with discount car insurance rates, click this link.

Situations that might require an agent

When it comes to choosing adequate coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions could help you determine if your insurance needs would benefit from professional advice.

  • Am I covered when driving on a suspended license?
  • Can I afford to pay high deductible claims out of pocket?
  • What discounts do I qualify for?
  • Am I covered if I hit my neighbor’s mailbox?
  • Who is covered when they drive my 1999 Pontiac Grand Prix?
  • Am I covered when driving in Canada or Mexico?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is a blown tire covered by insurance?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance coverages

Learning about specific coverages of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages found on most insurance policies.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Pontiac Grand Prix.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability insurance – Liability coverage can cover damage or injury you incur to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like loss of income, repair bills for other people’s vehicles, legal defense fees and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, hitting a bird and falling objects. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for immediate expenses such as chiropractic care, dental work, pain medications and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverage – This coverage will pay to fix damage to your Grand Prix from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as rolling your car, damaging your car on a curb, sideswiping another vehicle, scraping a guard rail and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

You can do this!

Budget-conscious 1999 Pontiac Grand Prix insurance is definitely available online as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

We just presented a lot of tips how to reduce insurance prices online. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. You may be surprised to find that the lowest priced car insurance comes from some of the smallest insurance companies. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as Progressive and GEICO.

When you buy insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced liability coverage limits and learned later they didn’t have enough coverage. Your strategy should be to find the BEST coverage at an affordable rate.

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