View 1997 Pontiac Grand Prix Insurance Quotes

Want the cheapest insurance coverage rates for your Pontiac Grand Prix? Trying to find the cheapest insurance for a new or used Pontiac Grand Prix could be difficult, but you can learn the following methods to make it easier. There are more efficient ways to find insurance coverage online and you need to know the best way to price shop coverage on a Pontiac and locate the cheapest rates from both online companies and local agents.

Companies offer discounts so take them!

Companies that sell car insurance do not list every discount very clearly, so we break down both the well known and also the lesser-known ways to save on auto insurance. If you’re not getting every credit possible, you’re paying more than you need to.

  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less on Grand Prix coverage than their less cautious counterparts.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in high school.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on Grand Prix coverage with select insurance companies.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you will save approximately 10% to 15%.
  • Accident Free – Drivers who don’t have accidents pay less as compared to drivers who are more careless.
  • Organization Discounts – Belonging to a qualifying organization could qualify you for a break when shopping for auto insurance on Grand Prix coverage.
  • Distant Student – Any of your kids who attend school more than 100 miles from home and do not have a car can receive lower rates.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky.

To see a list of insurance companies with discount auto insurance rates, click here to view.

Why your Pontiac Grand Prix might be costing you more

An important part of buying insurance is that you know some of the elements that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that will entitle you to big savings.

  • Drive a safer car and pay less – Cars with high safety ratings can get you lower premiums. Safer cars reduce injuries and better occupant protection means lower claim amounts and thus lower rates. If your Pontiac Grand Prix scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Policy add-ons can waste money – There are quite a few add-on coverages that you can buy if you aren’t careful. Things like rental car reimbursement, towing coverage and additional equipment coverage are some examples. They may seem like a good idea when talking to your agent, but now you might not need them so remove them from your policy.
  • Do men or women drive better? – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. Men and women have accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations like DUI and reckless driving.
  • Never let your coverage lapse – Having an insurance coverage lapse will be a quick way to bump up your auto insurance costs. And not only will your rates increase, but being ticketed for driving with no insurance may earn you a license revocation or jail time.
  • Traffic violations increase rates – Even a single ticket may increase your cost by twenty percent. Drivers with clean records receive lower rates than people who have multiple driving citations. Drivers who get severe violations such as hit and run, DWI or reckless driving convictions may be required to file a SR-22 with their state DMV in order to drive a vehicle legally.
  • Rate your vehicle for proper use – The more you drive in a year the more you will pay for auto insurance. The majority of insurers apply a rate based on their usage. Autos not used for work or commuting receive lower rates than vehicles that are driven to work every day. Having the wrong rating on your Grand Prix may be costing you. Ask your agent if your auto insurance policy properly reflects the correct driver usage, because improper ratings can cost you money.
  • Protect your assets with liability insurance – The liability section of your policy provides coverage if ever a jury decides you are liable for personal injury or accident damage. It provides legal defense coverage starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
  • Mature drivers pay less – Mature drivers are more cautious drivers, tend to cause fewer accidents and tend to be better behind the wheel. Youthful drivers tend to be careless and easily distracted in a vehicle therefore auto insurance rates are much higher.

Do I just need basic coverages?

When buying coverage for your vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different.

These are some specific questions might point out if your insurance needs might need professional guidance.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Who is covered by my policy?
  • Is a new car covered when I drive it off the dealer lot?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is a blown tire covered by insurance?
  • Is a fancy paint job covered?
  • Does my medical payments coverage pay my health insurance deductible?
  • What are the best liability limits?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Don’t listen to company ads

Consumers get pounded daily by advertisements for cheaper car insurance from the likes of State Farm, Allstate and GEICO. All the companies have a common claim about savings if you change your coverage to them.

But how can every company make the same claim?

Different companies can use profiling for the right customer that is profitable for them. For example, a profitable customer might be between the ages of 40 and 55, has no prior claims, and drives newer vehicles. A driver who matches those parameters will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.

Potential customers who are not a match for the requirements will be quoted higher rates which usually ends up with the customer not buying. The ad wording is “customers that switch” not “everyone that quotes” save that kind of money. This is how companies can truthfully make the claims of big savings. This emphasizes why you absolutely need to get a wide range of price quotes. It’s not possible to predict the company that will give you the biggest savings on Pontiac Grand Prix insurance.

Car insurance coverages for a 1997 Pontiac Grand Prix

Understanding the coverages of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Auto liability

This coverage protects you from injuries or damage you cause to a person or their property. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as loss of income, medical services, court costs and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as pain medications, ambulance fees and doctor visits. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision insurance

Collision coverage pays for damage to your Grand Prix from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a ditch, sideswiping another vehicle, colliding with a tree, driving through your garage door and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, damage from flooding and fire damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Pontiac Grand Prix.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Spend less. Save more.

Cheaper 1997 Pontiac Grand Prix insurance can be found on the web in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced collision coverage only to discover later that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at the best price.

You just read many tips how you can lower your insurance rates. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from an unexpected company.

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