View 1999 Pontiac Grand Prix Insurance Cost

Want lower auto insurance rates for your Pontiac Grand Prix? Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us when we tell you there are lots of people in the same boat. Companies like Geico, Progressive and Allstate promote their brand names with ad campaigns and it can be hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

If you have a policy now or are looking for a new policy, you will benefit by learning to find the best rates while maximizing coverage. Choosing the best insurance company for you is not that difficult. Consumers only need to know how to shop over the internet.

The best way we recommend to compare policy rates is to know the trick most of the bigger providers allow for online access to give free rates quotes. To start a quote, the only thing you need to do is provide information including whether you have decent credit, if you’re married, level of coverage desired, and how much education you have. That rating data is instantly submitted to all major companies and they provide comparison quotes quickly.

Discounts are basically free money

Insuring your vehicles can cost a lot, but you can get discounts to help offset the cost. Some trigger automatically when you quote, but a few need to be asked about prior to receiving the credit. If you don’t get every credit possible, you are throwing money away.

  • Safety Course Discount – Successfully completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Student Driver Training – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • Good Student – Getting good grades can earn a discount of 20% or more. The discount lasts until age 25.

It’s important to understand that most credits do not apply to the entire cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will help reduce the amount you have to pay.

To see a list of providers with the best auto insurance discounts, click here to view.

Which insurance is the “right” coverage?

When buying adequate coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. For example, these questions may help highlight whether you could use an agent’s help.

  • Is upholstery damage covered by car insurance?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered if my car is in a flood?
  • What is the rate difference between pleasure use and commuting?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered when driving on a suspended license?
  • Is my ex-spouse still covered by my policy?
  • What happens if I owe more than my 1999 Pontiac Grand Prix is worth?
  • Should I put collision coverage on all my vehicles?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Impacting insurance rates for a Pontiac Grand Prix

Consumers need to have an understanding of the different types of things that play a part in calculating the price you pay for insurance coverage. Having a good understanding of what influences your rates allows you to make educated decisions that may reward you with lower insurance coverage prices.

  • Do you know you’re credit rating? – Your credit score is a important factor in determining your rates. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower ratings. If your credit score is low, you could be paying less to insure your 1999 Pontiac Grand Prix by improving your rating.
  • Claim-free discounts can add up – Companies provide better rates to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Poor driving leads to higher costs – Good drivers get better rates than bad drivers. Even one citation can increase rates twenty percent or more. If you have serious violations like DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
  • Rates may be lower depending on your job – Jobs such as judges, architects and financial analysts tend to have higher average rates due to high stress levels and long work hours. Conversely, jobs such as farmers, engineers and retirees receive lower rates for Grand Prix insurance.
  • Your spouse saves you money – Getting married can actually save you money when buying insurance coverage. Marriage is viewed as being more mature and it’s statistically proven that being married results in fewer claims.
  • Equipment add-ons that lower insurance coverage rates – Purchasing a vehicle with an alarm system can help lower your rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.

Is there truth in advertising?

Consumers can’t get away from ads for the lowest price auto insurance by Allstate and Progressive. All the companies make the same claim of big savings if you switch to their company.

But how can every company claim to save you money?

Insurance companies have a preferred profile for the right customer they prefer to insure. A good example of a profitable customer might be between 30 and 50, has no driving citations, and chooses high deductibles. A driver who fits that profile gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don’t measure up to the requirements will have to pay higher prices and ends up with the driver buying from a lower-cost company. The ads state “customers who switch” not “everyone that quotes” save money. That’s why insurance companies can make those claims.

Because of the profiling, you should get as many quotes as possible. You cannot predict which company will have the lowest Pontiac Grand Prix insurance rates.

Insurance coverage options for a Pontiac Grand Prix

Having a good grasp of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types available from insurance companies.

Collision insurance

This covers damage to your Grand Prix resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, hitting a mailbox, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, vandalism and a broken windshield. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

Liability insurance protects you from injuries or damage you cause to a person or their property. It protects you from claims by other people, and does not provide coverage for 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. You might see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as funeral expenses, repair bills for other people’s vehicles, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like surgery, EMT expenses, rehabilitation expenses, hospital visits and pain medications. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Pontiac Grand Prix.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

More quotes. Lower rates.

We just presented a lot of tips how to get a better price on 1999 Pontiac Grand Prix insurance. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may even find the lowest premiums are with a lesser-known regional company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

Low-cost insurance can be purchased on the web and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

Additional insurance information is located at the links below