1997 Pontiac Grand Prix Car Insurance Quotes

Want better car insurance rates for your Pontiac Grand Prix? Scraping up a payment for overpriced Pontiac Grand Prix insurance can empty your bank account and make it hard to pay other bills. Shopping your coverage around is a smart way to tighten up your finances. Since consumers have many car insurance companies to choose from, it can be impossible to choose the lowest price provider.

Consumers should take time to compare prices yearly because prices are rarely the same from one policy term to another. Despite the fact that you may have had the best rates for Grand Prix insurance six months ago other companies may now be cheaper. So block out anything you think you know about car insurance because I’m going to teach you one of the quickest ways to find better rates and still maintain coverage.

Finding the best rates is not that difficult. If you have insurance now or are looking for a new policy, you can use these tips to find better prices while maximizing coverage. Vehicle owners just need to understand the best way to compare rates online.

Insurance Coverage Comparisons

Performing a rate comparison can be challenging if you don’t know the most efficient way to do it. You could waste a few hours talking to insurance companies in your area, or you can utilize online quotes to get pricing more quickly.

Many of the larger companies belong to an insurance system where insurance shoppers submit their information once, and each company can provide price quotes determined by their information. This saves time by eliminating repetitive form submissions for every insurance coverage company.

To find out how much you’re overpaying now click here to start a free quote.

The only downside to pricing coverage this way is you are unable to specify which providers you want to price. If you would rather choose specific insurance companies to compare, we have assembled a list of low cost insurance coverage companies in your area. Click to view list.

It doesn’t matter which method you choose, just make absolute certain that you use apples-to-apples coverage information for every quote you compare. If your comparisons have unequal deductibles or liability limits it will be impossible to make an equal comparison.

Ads can be misleading

Consumers can’t get away from ads for cheaper car insurance from companies such as Allstate and Progressive. All the ads have a common claim that you can save if you switch your policy.

How do they all make almost identical claims? This is how they do it.

Different companies are able to cherry pick for the type of driver that earns them a profit. A good example of a profitable customer might be between 25 and 40, has no driving citations, and drives less than 7,500 miles a year. Any new insured who matches those parameters will get the preferred rates and therefore will save when they switch companies.

Potential customers who fall outside this ideal profile will have to pay a more expensive rate which usually ends up with business going elsewhere. The ad wording is “people who switch” but not “drivers who get quotes” save that much. This is how insurance companies can advertise the way they do. Because of the profiling, it is so important to get a wide range of price quotes. Because you never know which insurance companies will fit your personal profile best.

Pontiac Grand Prix rates influenced by many factors

It’s important that you understand some of the elements that come into play when calculating your auto insurance rates. When you know what positively or negatively influences your rates enables informed choices that may reward you with lower auto insurance prices.

  • Your occupation can affect rates – Did you know your auto insurance rates can be affected by your occupation? Occupations like judges, social workers and financial analysts are shown to have higher average rates because of high stress levels and lengthy work days. Conversely, professions such as scientists, engineers and performers pay the least for Grand Prix insurance.
  • Where you live is a factor – Choosing to live in small towns and rural areas has it’s advantages when buying auto insurance. Urban drivers tend to have congested traffic and longer commutes to work. Lower population means fewer accidents as well as less vandalism and auto theft.
  • Sex matters – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Women and men are in accidents at about the same rate, but the men cause more damage. Men also statistically get more serious tickets like DUI and reckless driving. Young males are the most expensive to insure and therefore are the most expensive to insure.
  • Cautious drivers pay less – Drivers with clean records receive lower rates than bad drivers. Just one speeding ticket may increase your cost by as much as thirty percent. Drivers who have serious citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 with their state motor vehicle department in order to continue driving.
  • Don’t get talked into coverage you don’t need – There are a ton of add-on coverages that can waste your money if you aren’t careful. Coverages like personal injury protection, accident forgiveness and additional equipment coverage may be costing you every month. They may seem like a good idea when talking to your agent, but now you might not need them so get rid of them and save.
  • A lapse in coverage is a bad thing – Letting your insurance expire will be a fast way to pay more for auto insurance. And not only will your rates increase, but not being able to provide proof of insurance may earn you a revoked license or a big fine.You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.

Do you qualify for discounts?

Companies do not list every available discount very well, so we researched both well-publicized and the more hidden savings tricks you should be using. If you don’t get every credit you deserve, you are paying more than you should be.

  • Claim Free – Claim-free drivers pay much less when compared with bad drivers.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more for Grand Prix insurance than drivers with accident claims.
  • One Accident Forgiven – Certain companies will forgive one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for better insurance coverage rates for Grand Prix insurance.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for a substantially lower rate.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck.

For a list of companies who offer insurance coverage discounts, click here to view.

Don’t assume everyone needs the same coverage

When choosing proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. For example, these questions may help you determine if your insurance needs will benefit from professional help.

  • Do I have coverage when making deliveries for my home business?
  • Does coverage extend to Mexico or Canada?
  • Is a blown tire covered by insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • Which companies will insure high-risk drivers?
  • What if I don’t agree with a claim settlement offer?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How high should deductibles be on a 1997 Pontiac Grand Prix?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Auto insurance coverage considerations

Having a good grasp of your policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types found on most auto insurance policies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage protection

This pays for damage to your Grand Prix resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, driving through your garage door, hitting a parking meter, scraping a guard rail and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like falling objects, damage from a tornado or hurricane, a broken windshield and theft. The maximum payout your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages

This will cover damage or injury you incur to a person or their property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

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 a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like legal defense fees, bail bonds, medical expenses and medical services. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance

Med pay and PIP coverage reimburse you for immediate expenses such as pain medications, ambulance fees and X-ray expenses. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Summing up your car insurance search

We’ve covered a lot of ways to save on 1997 Pontiac Grand Prix insurance. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from a small mutual company. These companies may only write in your state and offer lower rates than their larger competitors like State Farm or Progressive.

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where someone dropped liability limits or collision coverage only to regret at claim time that it was a big error on their part. The proper strategy is to get the best coverage possible at the best price, not the least amount of coverage.

More information can be read on the following sites: