How Much Does 1997 Pontiac Grand Prix Insurance Cost?

Want better car insurance rates for your Pontiac Grand Prix? Trying to find better insurance prices for a new or used Pontiac Grand Prix can turn out to be a painful process, but you can learn a few tricks to save time.

There are both good and bad ways to compare car insurance rates and you need to know the best way to get price quotes for a new or used Pontiac and locate the lowest price either online or from local insurance agents.

It’s smart to check car insurance prices on a regular basis since insurance rates change regularly. Even if you got the best deal for Grand Prix insurance a couple years back the chances are good that you can find a lower rate today. You’ll find quite a bit of inaccurate information about car insurance online, so by reading this article, you’re going to learn some proven techniques to stop overpaying for insurance.

If you are insured now or are just looking to switch companies, you can use this information to reduce the price you pay while maximizing coverage. Buying the lowest cost insurance coverage is easy if you know what you’re doing. Drivers only need to know the best way to get comparison rates on the web.

Pontiac Grand Prix premiums are determined by many factors

Consumers need to have an understanding of the rating factors that play a part in calculating your insurance rates. Knowing what determines base rates helps enable you to make changes that may reward you with better insurance rates.

  • With age comes lower rates – Young drivers have a tendency to get distracted easily in a vehicle so insurance rates are higher. Mature drivers are more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • Your car’s features help determine rates – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
  • Liability insurance protects assets – Your policy’s liability coverage is the coverage that protects you if ever a jury decides you are liable for damages caused by your negligence. Liability insurance provides for a legal defense starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
  • Drive a safer car and pay less – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If your Pontiac Grand Prix earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.

These discounts can slash insurance rates

Properly insuring your vehicles can get expensive, but you may find discounts that can drop the cost substantially. Certain discounts will be applied at the time of purchase, but some must be asked for prior to receiving the credit. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Discount for Life Insurance – Some companies give a discount if you purchase life insurance.
  • Club Memberships – Belonging to a civic or occupational organization may earn a discount on your policy for Grand Prix insurance.
  • New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Low Mileage – Driving fewer miles could be rewarded with a substantially lower rate.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Seat Belts Save – Drivers who require all occupants to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Sign Online – Certain companies give back up to $50 for buying your policy digitally online.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% for Grand Prix insurance with certain companies.

Keep in mind that some of the credits will not apply to the entire policy premium. Most cut the cost of specific coverages such as comprehensive or collision. Even though it may seem like you could get a free insurance policy, companies don’t profit that way. Any qualifying discounts will cut the amount you have to pay.

To see a list of companies who offer insurance discounts, follow this link.

Can you really save that much by switching?

Consumers get pounded daily by advertisements that promise big savings from companies such as State Farm and Allstate. All the ads say the same thing about savings if you change your policy.

How can each company make almost identical claims?

Different companies have a certain “appetite” for the type of customer that makes them money. For example, a driver they prefer might be over the age of 40, has no driving citations, and has excellent credit. A propective insured who fits that profile will get very good rates and most likely will save a lot of money.

Potential insureds who do not match these standards will have to pay more money which leads to business going elsewhere. The ads state “people who switch” not “people who quote” save that kind of money. That’s why insurance companies can confidently make those claims.

Because of the profiling, you need to get a wide range of price quotes. Because you never know the company that will fit your personal profile best.

When might I need the advice of an agent?

When choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.

  • Am I covered when driving in Canada or Mexico?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What exactly is covered by my policy?
  • Should I waive the damage coverage when renting a car?
  • Am I covered if I crash into my own garage door?
  • Do I need replacement cost coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my 1997 Pontiac Grand Prix covered for smoke damage?
  • What if I total my 1997 Pontiac Grand Prix and owe more than it’s worth?
  • If my 1997 Pontiac Grand Prix is totaled, can I afford another vehicle?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Learn about insurance coverages for a 1997 Pontiac Grand Prix

Knowing the specifics of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Collision – Collision coverage covers damage to your Grand Prix resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with another moving vehicle, scraping a guard rail, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments – Med pay and PIP coverage kick in for bills like ambulance fees, surgery, pain medications, prosthetic devices and hospital visits. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, damage from flooding, hail damage, a tree branch falling on your vehicle and theft. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability insurance – Liability insurance will cover damage or injury you incur to people or other property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like medical expenses, bail bonds, emergency aid and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Cheaper insurance is a realistic goal

Throughout this article, we presented many ideas to save on 1997 Pontiac Grand Prix insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest priced car insurance comes from a lesser-known regional company.

Affordable insurance is possible both online and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. Some car insurance companies may not provide online price quotes and these small, regional companies work with independent agents.

Consumers switch companies for any number of reasons including unfair underwriting practices, high prices, policy cancellation or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a new car insurance company can be easy and end up saving you some money.

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