1997 Pontiac Grand Prix Insurance Rates

Buying insurance online can be challenging if you’re new to online price comparisons. Don’t let that stop you because there is an easy way to compare rates.

If you are paying for car insurance now, you will be able to lower your premiums substantially using this strategy. The purpose of this article is to introduce you to how car insurance quotes work and some tips to save money. Although drivers must comprehend the methods companies use to price online insurance.

Discounts to earn lower-cost car insurance rates

Auto insurance companies don’t list all available discounts in an easy-to-find place, so below is a list a few of the more common in addition to some of the lesser obvious discounts that you may qualify for.

  • Defensive Driving Course – Taking part in a driver safety class could cut 5% off your bill and make you a better driver.
  • Telematics Data – People who choose to allow driving data submission to analyze driving habits through the use of a telematics system such as State Farm’s In-Drive may see discounts if they have good driving habits.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to buckle their seat belts can save a little off the personal injury premium cost.
  • Lower Rates for Military – Having a family member in the military may lower your car insurance rates slightly.
  • Driver’s Education for Students – Cut your cost by having your teen driver enroll and complete driver’s education as it can save substantially.
  • Paperless Signup – A handful of companies will provide an incentive simply for signing on the web.
  • Multiple Cars – Buying insurance for primary and secondary vehicles on one policy could earn a price break for each car.
  • Passive Restraint Discount – Factory air bags or automatic seat belts may get savings up to 30%.
  • Good Drivers – Insureds who avoid accidents can save up to 40% or more on their insurance quote for Grand Prix insurance than their less cautious counterparts.

Don’t be surprised that most discounts do not apply to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. Even though the math looks like you could get a free car insurance policy, it doesn’t quite work that way.

Companies and their possible discounts are included below.

  • State Farm offers discounts for defensive driving training, accident-free, driver’s education, good driver, and Steer Clear safe driver discount.
  • Geico may have discounts that include five-year accident-free, multi-vehicle, emergency military deployment, air bags, seat belt use, and federal employee.
  • Progressive offers discounts including online signing, online quote discount, multi-vehicle, continuous coverage, good student, homeowner, and multi-policy.
  • 21st Century may include discounts for early bird, anti-lock brakes, teen driver, air bags, good student, theft prevention, and student driver.
  • American Family discounts include Steer into Savings, bundled insurance, air bags, multi-vehicle, good student, accident-free, and defensive driver.
  • The Hartford policyholders can earn discounts including good student, bundle, driver training, defensive driver, and anti-theft.
  • AAA has discounts for anti-theft, AAA membership discount, good student, multi-car, education and occupation, good driver, and multi-policy.

Double check with all companies you are considering how you can save money. A few discounts might not apply in your area. If you would like to see a list of companies with the best car insurance discounts, click this link.

Low cost auto insurance prices

To find inexpensive insurance quotes, there are several ways to compare quotes from different companies. The fastest way to find cheaper Pontiac Grand Prix rates is simply to get online rate quotes. This is very easy and can be done in just a few minutes using one of these methods.

The most efficient method consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This method keeps you from doing multiple quote forms to each individual auto insurance company. One form submission gets insurance cost estimates from several companies.It’s the quickest way to get rates.

A more time consuming way to obtain and compare quotes online requires a trip to the website for each individual company and fill out their own quote form. For examples sake, we’ll assume you are doing a rate comparison from Allstate, Safeco and Progressive. You would be required to navigate to each company’s site to enter the same coverage data repeatedly, which is why the first method is quicker.

To view a list of companies in your area, click here.

Which method you use is up to you, but double check that you are using the exact same coverage limits and deductibles for every quote you compare. If you enter different liability limits it will be nearly impossible to truly determine the lowest rate. Having just a slight variation in coverages could mean much higher rates. And when quoting auto insurance, remember that obtaining a wide range of quotes helps increase your odds of locating the best rates.

Informed consumers know how to find insurance coverage cheaper

Multiple criteria are taken into consideration when quoting car insurance. Some are pretty understandable like a motor vehicle report, but some are less obvious such as whether you are married or your vehicle rating.

The items below are most of the major factors used by companies to determine your rates.

  • Teenagers vs. older drivers – Older, more experienced drivers are proven to be safer behind the wheel, file fewer claims , and usually have better credit.Beginning drivers are known to get distracted easily with other occupants in the car so they pay higher insurance coverage rates.
  • Liability insurance safeguards assets – Liability insurance will protect you in the event that you are ruled to be at fault for an accident. Your liability coverage provides for a legal defense starting from day one. This coverage is very inexpensive when compared to the cost of physical damage coverage, so do not cut corners here.
  • Prices also based on gender – Over time, data shows women are more cautious behind the wheel. This data doesn’t prove that women are better drivers. Males and females cause auto accidents at about the same rate, but men cause more damage. Men also get higher numbers of serious violations such as reckless driving. Teenage male drivers cause the most accidents so they pay the highest premiums.
  • Marriage is a factor – Having a spouse may save some money when shopping for insurance coverage. Having a spouse generally demonstrates drivers are more responsible and statistics show married drivers tend to have fewer serious accidents.
  • Lower prices with alarms and GPS tracking – Selecting a car model with an alarm system can earn a premium discount. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent car theft and help bring rates down.
  • You might want pay the small policy claims yourself – Auto insurance companies give cheaper rates to insureds who file claims infrequently. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Your job can affect premiums – Did you know your career choice can influence rates? Careers like judgesairline pilots and financial analysts tend to have higher rates than the rest of us in part from job stress and extremely grueling work hours. On the flip side, professions such as scientists, athletes and performers receive lower rates for Grand Prix insurance.
  • Rates can drop if you have more than one policy – Many companies will give better rates to clients who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, it’s always a smart idea to get quotes from other companies to make sure you are getting the best deal.

Tailor your car insurance coverage to you

When choosing coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Are my friends covered when driving my 1997 Pontiac Grand Prix?
  • What is medical payments coverage?
  • What happens if I owe more than my 1997 Pontiac Grand Prix is worth?
  • Does having multiple vehicles earn me a discount?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I buy only the required minimum liability coverage?
  • Why does it cost so much to insure a teen driver?
  • Do I need special endorsements for business use of my vehicle?
  • Does liability extend to a camper or trailer?
  • Does my insurance cover my expensive audio equipment?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Save $382 a year? Really?

Companies like Allstate, Geico and Progressive seem to constantly run television, radio, and online ads. They all seem to advertise claims that you can save just by switching to them. How does every insurance coverage company offer you a better deal? This is the trick they use.

All the different companies quote the lowest rates for the type of insured that will not have excessive claims. One example of a driver they prefer might have to be over the age of 40, has a low-risk occupation, and insures a new vehicle. Any new insured who matches those parameters will probably get cheap prices and as a result will probably save quite a bit of money when switching.

People who cannot meet these stringent criteria will be charged higher premiums and this results in the customer not purchasing. Company advertisements say “drivers who switch” not “everybody who quotes” will save that much if they switch. That’s the way companies can truthfully make those statements. This really illustrates why you really need to compare as many free insurance quotes as you can. It is impossible to guess with any certainty which company will have the best prices at this point in time.

Auto insurance specifics

Learning about specific coverages of your auto insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1997 Pontiac Grand Prix.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses for things like surgery, ambulance fees, doctor visits, hospital visits and nursing services. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This coverage covers damage to your Grand Prix resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a mailbox, damaging your car on a curb, hitting a parking meter, driving through your garage door and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Auto liability

Liability insurance can cover injuries or damage you cause to a person or their property in an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

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 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like emergency aid, funeral expenses, legal defense fees, structural damage and bail bonds. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Comprehensive coverage

This coverage will pay to fix 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 pays for claims such as fire damage, hail damage and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage on a shoestring budget

When buying insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. In many cases, an insured dropped liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage for the lowest cost, but do not sacrifice coverage to save money.

We just presented many ideas to shop for 1997 Pontiac Grand Prix insurance online. It’s most important to understand that the more companies you get prices for, the better chance you’ll have of finding low cost insurance. Consumers may even find the biggest savings come from an unexpected company.

Budget-friendly car insurance can be found online and with local insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who may not provide online price quotes and usually these regional carriers prefer to sell through local independent agencies.

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