Lower Your 1999 Pontiac Grand Prix Insurance Rates

Want the cheapest auto insurance rates for your Pontiac Grand Prix? Finding cheap auto insurance can be difficult for drivers new to online rate comparisons. Drivers have so many choices that it can quickly become a ton of work to find the perfect company for you.

It is always a good idea to do price comparisons yearly due to the fact that insurance prices are constantly changing. Despite the fact that you may have had the lowest rates for Grand Prix coverage a couple years back there is a good chance you can find better premium rates now. There is too much inaccurate information about auto insurance on the internet, but by reading this article, you’re going to learn a bunch of ideas how to stop overpaying for insurance.

Don’t miss with these discounts

Car insurance is not an enjoyable expense, but you might already qualify for some discounts that could help you make your next renewal payment. Most are applied at the time of purchase, but a few must be asked for prior to getting the savings. If you do not double check each discount you deserve, you may be paying too high a price.

• Fewer Miles Equal More Savings – Driving fewer miles could earn better prices on cars that stay parked.
• Auto/Life Discount – Some companies give a small discount if you purchase a life insurance policy as well.
• Own a Home – Owning a house may trigger a policy discount on car insurance because of the fact that having a home requires a higher level of personal finance.
• College Student – who live away from home to go to college and do not have access to a covered vehicle may be able to be covered for less.
• Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of up to 25% or more.

One last thing about discounts, most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Some of the insurance companies that may have some of the above discounts may include but are not limited to:

• Geico
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

If you need lower rates, check with every insurance company which discounts they offer. All car insurance discounts might not be offered on policies in your area. To see a list of companies who offer cheap car insurance quotes, click here.

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How to get the cheapest auto insurance

All the larger auto insurance companies allow you to get price estimates online. This process can be done by anyone because you just enter the amount of coverage you want on the page. After the form is submitted, their rating system requests your driving record and credit report and returns pricing information based on the information you submitted.

Being able to quote online makes it a lot easier to compare rates but the time it takes to visit several different sites and type in the same information can be a bit repetitive. But it’s necessary to perform this step if you are searching for the lowest auto insurance rates.

A less time-consuming method to get multiple rate quotes is to use a quote form to obtain quotes from several different companies. It saves time, eliminates form submissions, and makes online shopping much easier. Immediately after submitting the form, it gets priced and you can choose your choice of the resulting price quotes.

If the quotes result in lower rates, you can simply submit the application and purchase coverage. The whole process takes less than 15 minutes and you will find out if you’re overpaying now.

To save time and compare pricing, click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you enter deductibles and limits identical to your current policy. This makes sure you will have a price comparison based on identical coverages.

Reduce insurance rates with these tips

Many factors are taken into consideration when you get your auto insurance bill. Some are pretty understandable like your driving record, but others are not as apparent like where you live and annual miles driven.Smart consumers have a good feel for the different types of things that play a part in calculating your policy premiums. When you understand what determines base rates, this empowers consumers to make smart changes that could help you find better car insurance rates.

Shown below are just a few of the factors utilized by car insurance companies to help set prices.

• Your employer is a factor – Do you have a high-stress occupation? Jobs such as doctors, business owners and dentists are shown to have higher premium rates due to stressful work requirements and long work days. On the flip side, occupations like actors, athletes and the unemployed receive lower rates for Grand Prix coverage.
• Increase deductibles to save – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, helps pay for damage to your vehicle. Some coverage claims are collision with another vehicle, collision with an animal, and damage caused by flying debris. Comprehensive and collision coverage deductibles define the amount you are required to spend out-of-pocket before a claim is paid by your company. The higher the amount you choose to pay out-of-pocket, the less your car insurance will be for Grand Prix coverage.
• Drivers with responsible credit save – A driver’s credit score will be a significant factor in your rate calculation. So if your credit rating could use some work, you could be paying less to insure your 1999 Pontiac Grand Prix if you improve your credit rating. Drivers who have high credit scores tend to be better risks to insure than those with poor credit.
• Add-on coverages can add up – There are quite a few extra coverages that sound like a good idea at the time if you don’t pay attention. Add-on coverages like replacement cost coverage, death and dismemberment, and term life insurance may be wasting your money. The coverages may be enticing when deciding what coverages you need, but if you have no use for them eliminate the coverages to reduce your premium.

Your situation helps dictate your coverage

When it comes to choosing adequate coverage, there is no perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine if your situation might need professional guidance.

• When can my company non-renew my policy?
• How high should deductibles be on a 1999 Pontiac Grand Prix?
• What can I do if my company won’t pay a claim?
• How high should my uninsured/underinsured coverage be in my state?
• Am I covered if hit by an uninsured driver?
• How do I file an SR-22 for a DUI in my state?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form.

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Car insurance 101

Understanding the coverages of your car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Pontiac Grand Prix.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for short-term medical expenses such as rehabilitation expenses, surgery and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability car insurance – This coverage will cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims like structural damage, emergency aid, medical expenses, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Comprehensive coverage – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, a tree branch falling on your vehicle, fire damage and hitting a deer. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage – This 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 the remaining damage will be paid by your insurance company.

Collision coverage pays for things like backing into a parked car, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Save for a rainy day

We’ve covered many tips how you can lower your 1999 Pontiac Grand Prix insurance car insurance rates. The most important thing to understand is the more you quote insurance, the better your chances of lowering your premium rates. You may even discover the biggest savings come from a small local company.

Drivers change insurance companies for many reasons like unfair underwriting practices, an unsatisfactory settlement offer, denial of a claim and high prices. Regardless of your reason for switching companies, switching insurance companies is pretty easy and you might even save some money in the process.

Some companies do not offer internet price quotes and these smaller providers work with independent insurance agencies. Cost effective 1999 Pontiac Grand Prix insurance can be found on the web and with local insurance agents, and you need to comparison shop both so you have a total pricing picture.

Additional information can be found on the following sites:

• Red Light Cameras (State Farm)
• Airbag FAQ (iihs.org)
• Should I Buy a New or Used Car? (Allstate)
• Auto Insurance FAQ (Farmers Insurance)

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