1997 Pontiac Grand Prix Insurance Quotes

Trying to find lower insurance rates? Buyers have lots of choices when searching for affordable Pontiac Grand Prix insurance. They can either waste time calling around getting price quotes or save time using the internet to compare rates.

There is a better way to find insurance online so we’re going to tell you the proper way to compare rates on a Pontiac and locate the best price possible from local insurance agents and online providers.

This article will instruct you on how to effectively get price quotes and some money-saving tips. If you have car insurance now, you stand a good chance to be able to save some money using this strategy. Consumers only need to know the most efficient way to shop for insurance over the internet.

The most recommended method to compare insurance rates in your area is to know the fact car insurance companies actually pay money for the chance to provide you with a free rate quote. The only thing you need to do is provide a little information like level of coverage desired, the type of vehicles you drive, if the car is leased, and whether you have decent credit. The data is then sent to multiple auto insurance providers and you will receive price estimates very quickly.

To get price quotes for your Pontiac Grand Prix now, click here and see if a lower rate is available.

Switch companies and save? Really?

Consumers constantly see and hear ads that claim the cheapest car insurance rates from the likes of State Farm, Allstate and Geico. All the ads advertise the message about savings if you change your policy.

How does every insurance company charge you a lower premium? Just pay attention to how they say it.

Insurance providers can use profiling for the type of customer that makes them money. For instance, a driver they prefer could be between the ages of 40 and 55, has a clean driving record, and does not commute to work. Any driver who fits those characteristics will most likely get cheap car insurance rates and will most likely save a lot of money.

Drivers who are not a match for the requirements will be quoted a higher rate and this results in the customer buying from a different company. Company advertisements say “people that switch” but not “everyone who gets a quote” save that much when switching. That is how insurance companies can make claims like that.

Because every company is different, you need to quote coverage with many companies. It’s just too difficult to predict which insurance company will fit you best based on your risk profile.

Six factors that influence insurance prices

Multiple criteria are used when premium rates are determined. Some factors are common sense like a motor vehicle report, although some other factors are less obvious such as your marital status or how financially stable you are.

• Protect yourself with liability – The liability coverage on your policy is the coverage that protects you if ever a jury decides you are liable for personal injury or accident damage. Your policy’s liability insurance provides for a legal defense to attempt to prove you were not liable. This coverage is relatively inexpensive compared to comp and collision, so drivers should buy more than the minimum limits required by law.
• Infrequent drivers can save – The higher the miles on your Pontiac in a year’s time the higher your rate. Many insurance companies calculate rates partially by how you use the vehicle. Autos not used for work or commuting can get a lower rate than cars that get driven a lot. It’s a good idea to make sure your policy properly reflects the correct driver usage, because it can save money. Incorrect rating for your Grand Prix is throwing money out the window.
• Get better premiums if you’re married – Walking down the aisle can actually save you money when shopping for auto insurance. Having a spouse translates into being less irresponsible and insurance companies like that married couples file fewer claims.
• Better premiums on safer vehicles – Cars with high safety ratings are cheaper to insure. Highly rated vehicles help reduce the chance of injuries in an accident and any reduction in injury severity translates into savings for insurance companies and lower rates for you.
• Premiums are lower the older you get – Young drivers are known to be more careless when at the wheel of a vehicle so they pay higher auto insurance rates. If you’ve ever had to add a teen driver to your auto insurance policy can increase premiums substantially. More experienced drivers tend to be more responsible, tend to file fewer claims .
• Lower stress equals lower rates – Jobs such as judges, social workers and accountants usually pay higher average rates due to high stress and lengthy work days. Conversely, careers such as farmers, engineers and retirees have lower than average premiums for Grand Prix insurance.

Find hidden discounts to get affordable auto insurance quotes

Auto insurance companies don’t always advertise the complete list of policy discounts very well, so the list below details some of the more common and the more hidden credits available to lower your premiums when you buy insurance coverage online.

• Government Employee Discount – Being employed by or retired from a federal job could qualify for a slight premium decrease for Grand Prix insurance depending on your company.
• Accident Waiver – Not necessarily a discount, but certain companies will forgive one accident before they charge you more for coverage if you are claim-free for a set time period.
• Telematics Discount – Drivers who elect to allow their insurance company to scrutinize their driving habits by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they show good driving skills.
• Student Discounts – Being a good student can save 20 to 25%. You can use this discount normally well after school through age 25.
• Online Discount – Some of the larger companies give back up to $50 simply for signing on the internet.
• Membership in Organizations – Participating in specific professional or occupational memberships or organizations is a good way to get lower rates on your next renewal.
• Multi-car Discount – Purchasing coverage when you have all your vehicles on one policy could earn a price break for each car.
• Multiple Policy Discount – If you combine your auto and homeowners policies with one insurance company you could get a discount of 10% to 20% off each policy.

You can save money using discounts, but some credits don’t apply to the overall cost of the policy. A few only apply to specific coverage prices like comprehensive or collision. Despite the fact that it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

A few popular companies and some of the premium reductions they offer can be read below.

• Geico may have discounts that include military active duty, daytime running lights, seat belt use, membership and employees, multi-vehicle, multi-policy, and good student.
• Travelers offers discounts for new car, multi-policy, good student, IntelliDrive, and home ownership.
• Farm Bureau offers discounts including driver training, safe driver, youthful driver, 55 and retired, multi-vehicle, multi-policy, and renewal discount.
• Liberty Mutual may offer discounts for teen driver discount, hybrid vehicle, new graduate, new vehicle discount, good student, newly retired, and safety features.
• American Family discounts include defensive driver, accident-free, TimeAway discount, good student, and Steer into Savings.
• Progressive has savings for online signing, online quote discount, good student, multi-vehicle, and homeowner.

Double check with all the companies to give you their best rates. Some discounts might not be available to policyholders in your area. To see companies who offer free auto insurance quotes, click here to view.

Tailor your auto insurance coverage to you

When buying coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight whether you could use an agent’s help.

• Does my 1997 Pontiac Grand Prix need full coverage?
• Does car insurance cover theft of personal property?
• When should I not file a claim?
• Should I buy additional glass protection?
• Do I pay less for low miles?
• Is my nanny covered when driving my vehicle?
• Should I sign the liability waiver when renting a car?
• Why am I required to buy high-risk coverage?
• Should I drop comprehensive coverage on older vehicles?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Information about specific coverages

Having a good grasp of a insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, hail damage and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance

Liability coverage can cover damages or injuries you inflict on other’s property or people. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like repair bills for other people’s vehicles, repair costs for stationary objects, attorney fees, medical expenses and pain and suffering. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as rolling your car, hitting a parking meter, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for immediate expenses such as ambulance fees, X-ray expenses, nursing services and surgery. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Pontiac Grand Prix.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Buy online or local, you save

There are still a few companies who do not offer online quoting and most of the time these small insurance companies only sell through local independent agents. Cheaper car insurance can be purchased both online as well as from insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.

People leave their current company for any number of reasons including policy non-renewal, being labeled a high risk driver, not issuing a premium refund and even high prices. It doesn’t matter why you want to switch finding a new company can be pretty painless.

Throughout this article, we presented many tips how you can get a better price on 1997 Pontiac Grand Prix insurance. The key thing to remember is the more companies you get premium rates for, the higher the chance of saving money. Drivers may discover the most savings is with a small mutual company.

Additional information is located at these links:

• Side Impact Crash Tests (iihs.org)
• Should I Buy a New or Used Car? (Allstate)
• Red Light Cameras (State Farm)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)