Lower Your 1999 Pontiac Grand Prix Car Insurance Rates

Looking for cheaper auto insurance rates for your Pontiac Grand Prix? Finding the lowest price for auto insurance can be difficult if you have never used quoting online. But don’t let that discourage you because comparing prices is actually very simple.

It’s a good habit to price shop coverage occasionally because insurance rates tend to go up over time. If you had the best rates on Grand Prix coverage a couple years back a different company probably has better rates today. Starting right now, block out anything you think you know about auto insurance because you’re about to learn the only way to remove unneeded coverages and save money.

Quick Auto Insurance Quotes

When shopping for auto insurance there are multiple ways of comparing rates from auto insurance companies in your area. The easiest way to find the cheapest 1999 Pontiac Grand Prix insurance rates involves getting comparison quotes online. This can be accomplished in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This easy form saves time by eliminating separate quotation requests for each company. One form will return quotes instantly.It’s the quickest way to get rates.
  2. A more difficult way to analyze rates is to manually visit the website for each individual company and complete a new quote form. For examples sake, we’ll assume you want rates from GEICO, Allstate and American Family. You would have to visit each site to enter your coverage information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.
  3. The hardest method of comparing rate quotes is to spend your day driving to insurance agents’ offices. The internet eliminates the need for an insurance agent unless you want the trained guidance only provided by licensed agents. It is possible to compare the best prices online and get advice from an agent in your area and we’ll cover that in a bit.

However you get your quotes, ensure you’re using apples-to-apples coverage limits and deductibles for each comparison quote. If you enter different liability limits it will be impossible to truly determine the lowest rate. Quoting even small variations in coverage limits may result in large price differences. And when comparing auto insurance rates, know that quoting more gives you a better chance of getting the best rates.

Some factors that can determine what Pontiac Grand Prix insurance costs

Smart consumers have a good feel for the different types of things that help determine your auto insurance rates. When you know what positively or negatively determines base rates helps enable you to make changes that may reward you with lower auto insurance prices.

The following are some of the factors that factor into rates.

  • Younger drivers pay higher rates – Older drivers are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel. Youthful drivers tend to be careless and easily distracted behind the wheel and because of this, their auto insurance rates are much higher.
  • Sex matters – Statistics have proven that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. Both sexes cause accidents in similar percentages, but men cause more damage. Men also get more serious tickets such as reckless driving. Young males tend to get in the most accidents and are penalized with high auto insurance rates.
  • Frequent auto insurance claims increase rates – If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Car insurance companies award lower rates to people who do not rely on their insurance for small claims. Car insurance is intended for major claims that would cause financial hardship.
  • Liability coverage protects you – Liability coverage is the protection if ever a jury decides you are liable for damages caused by your negligence. It provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • Choose a safe vehicle and save – Cars with high safety ratings can get you lower premiums. Safer cars have better occupant injury protection and fewer injuries means less money paid by your insurance company passed on to you as lower rates. If your Pontiac Grand Prix is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Pleasure use or commuting – The more miles you rack up on your Pontiac in a year the higher your rates will be. Most companies rate vehicles based on how the vehicle is used. Autos used primarily for pleasure use qualify for better rates than those used for commuting. Having the wrong rating on your Grand Prix can cost quite a bit. Double check that your auto insurance policy shows how each vehicle is driven.

Discounts mean cheaper Pontiac Grand Prix insurance rates

Insurance can cost an arm and a leg, but companies offer discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be requested specifically in order for you to get them.

  • Memberships – Being a member of a professional or civic organization is a good way to get lower rates on your policy on Grand Prix coverage.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Save with a New Car – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Sign Online – Some insurance companies will give a small break for buying your policy over the internet.
  • College Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.

Consumers should know that some of the credits will not apply to the entire cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like you can get free auto insurance, it doesn’t quite work that way. But any discount will cut the cost of coverage.

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

Tailor your coverage to you

When choosing coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique.

These are some specific questions might help in determining if your situation would benefit from an agent’s advice.

  • Am I covered if hit by an uninsured driver?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is upholstery damage covered by car insurance?
  • What should my uninsured motorist coverage limits be in my state?
  • Why do I only qualify for high-risk insurance?
  • Are my friends covered when driving my car?
  • Do all my vehicles need collision coverage?
  • Is my dog or cat covered if injured in an accident?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form.

Educate yourself about auto insurance coverages

Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Pontiac Grand Prix.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as theft, rock chips in glass, a broken windshield and falling objects. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage

Collision coverage will pay to fix damage to your Grand Prix resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as scraping a guard rail, sideswiping another vehicle, rolling your car, colliding with a tree and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as EMT expenses, doctor visits, funeral costs, pain medications and nursing services. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage


This will cover damage that occurs to people or other property that is your fault. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like court costs, medical services, bail bonds, emergency aid and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Better coverage you can count on

We’ve covered many ideas to lower your 1999 Pontiac Grand Prix insurance rates. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from a lesser-known regional company.

Consumers switch companies for any number of reasons including denial of a claim, questionable increases in premium, policy non-renewal or poor customer service. Regardless of your reason, finding a new car insurance company is pretty easy and you might even save some money in the process.

When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. There are too many instances 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 goal should be to get the best coverage possible at an affordable rate while still protecting your assets.

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