1999 Pontiac Grand Prix Insurance Quotes – 7 Discounts for Cheapest Rates

Want cheaper insurance rates for your Pontiac Grand Prix? No one gets a kick out of paying for insurance, especially when they know they could find better rates elsewhere. Having so many different company options, it’s nearly impossible to find the best insurer.

Buying car insurance is quite easy. If you have a policy now or need new coverage, you can follow these tips to find better prices and still get good coverage. Vehicle owners only need to know the tricks to shop their coverage around on the web.

Seven discounts to earn cheap auto insurance rates

Auto insurance is easily one of your largest bills, but you may be missing some discounts that you may not even know about. Some discounts will apply when you purchase, but a few need to be specially asked for before being credited.

  • Theft Deterent – Vehicles that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Air Bags and Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Paperwork-free – Some of the larger companies will give you a small discount for signing up over the internet.
  • New Car Discount – Buying auto insurance coverage on a new vehicle can get you a discount since newer models are generally safer.
  • Senior Citizens – Older drivers may qualify for a small discount on rates on Grand Prix coverage.
  • Discounts for Multiple Vehicles – Having primary and secondary vehicles on a single policy can reduce the rates for all insured vehicles.
  • Switch and Save Discount – A few companies allow discounts for buying a new policy before your current policy expires. Ten percent is about the average savings.

Don’t be shocked that most discount credits are not given to the overall cost of the policy. Most cut individual premiums such as medical payments or collision. Even though it appears you would end up receiving a 100% discount, nobody gets a free ride. But all discounts will lower the premium cost.

If you would like to see a list of auto insurance companies that provide some of the discounts listed above, follow this link.

Cheapest insurance coverage rate quotes

The majority of larger companies such as Allstate and Progressive give pricing online. Getting online quotes is quite easy as you simply enter your coverage information into the quote form. After you submit the form the system collects information on your driving record and credit history and returns a price quote. Online price estimates makes it a lot easier to compare rates but the time required to go to several different sites and type in the same data can be a bit repetitive. But it’s absolutely necessary to have as many quotes as possible if you want to get the best price on insurance coverage.

Rate comparisons made easy

A more efficient way to lower your rates requires only one form that obtains quotes from more than one company. It saves time, requires less work, and makes online price comparison much easier to do. After sending your information, it gets priced and you can choose any of the resulting price quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The whole process can be completed in a matter of minutes and can result in significant savings.

To find out how much you’re overpaying now, simply click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you copy your coverages as close as possible to your current policy. Doing this guarantees you will receive a fair comparison based on identical coverages.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Every situation is different so your insurance should reflect that Here are some questions about coverages that can aid in determining whether your personal situation might need professional guidance.

  • Do I need roadside assistance coverage?
  • Should I bundle my homeowners policy with my auto?
  • When do I need to add a new car to my policy?
  • Are split liability limits better than a combined single limit?
  • Will filing a claim cost me more?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I get collision insurance on every vehicle?
  • How much liability insurance is required?
  • Does my car insurance cover rental cars?
  • Should I buy full coverage?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Coverage specifics

Knowing the specifics of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most insurance policies.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Pontiac Grand Prix.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as hitting a parking meter, colliding with another moving vehicle, driving through your garage door, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like theft, damage from getting keyed, fire damage, vandalism and hail damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for EMT expenses, dental work, ambulance fees and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability – Liability insurance provides protection from injuries or damage you cause to people or other property by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like repair bills for other people’s vehicles, medical services, repair costs for stationary objects and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Be a penny pincher

Cheaper car insurance is definitely available on the web and from local insurance agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who may not have price quotes online and most of the time these small, regional companies only sell through independent insurance agencies.

When shopping online for car insurance, you should never buy less coverage just to save a little money. There have been many cases where an insured cut uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at the best possible price while not skimping on critical coverages.

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