Cheap 1997 Pontiac Grand Prix Insurance Rates

Searching for cheaper auto insurance rates for your Pontiac Grand Prix? Nobody I know rejoices having to buy auto insurance, particularly when they could lower their rates if they shopped around.

Since you have so many insurance companies to choose from, it can be impossible to locate the right auto insurance provider.

You need to compare prices every six months because auto insurance prices are variable and change quite frequently. Just because you had the best deal on Grand Prix insurance a year ago you will most likely find a better premium rate today. Ignore everything you know about auto insurance because you’re about to learn how to use the internet to save on auto insurance.

Ways to get auto insurance rate quotes

There are multiple methods you can shop for auto insurance but there is one way that is less time-consuming than others. You could waste a few hours driving to local insurance agents in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Many popular insurance companies participate in a marketplace where prospective buyers enter their coverage request one time, and each company then gives them pricing based on the submitted data. This prevents consumers from doing quotation requests to each individual auto insurance company.

To find out what other companies charge click here (opens in new window).

The only drawback to doing it this way is that consumers can’t choose which providers to get quotes from. So if you prefer to choose specific providers to compare, we have a page of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just try to use identical information for every company. If the quotes have higher or lower deductibles it will be nearly impossible to find the best deal for your Pontiac Grand Prix. Having just a slight variation in coverage limits may result in a large different in cost. And when quoting auto insurance, remember that comparing a large number of companies helps increase your odds of locating more affordable rates. Not every company allows you to get online price quotes, so it’s important to also get prices from them, too.

Your insurance coverage should be tailored to you

When buying the best insurance coverage, there really is no cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your situation may require specific advice.

  • What is the rate difference between pleasure use and commuting?
  • Does coverage extend to my business vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can I get a multi-policy discount?
  • Do I need motorclub coverage?
  • Do I really need UM/UIM coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I pay less for low miles?
  • What is high-risk coverage and where do I buy it?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Coverages available on your policy

Having a good grasp of your insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average insurance policy.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, hitting a deer, vandalism and damage from getting keyed. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as prosthetic devices, funeral costs, chiropractic care and hospital visits. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage gives you 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 damage to your Pontiac Grand Prix.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage protection

Collision insurance pays for damage to your Grand Prix caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like scraping a guard rail, rolling your car, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability insurance

This will cover damage that occurs to other people or property that is your fault. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like medical services, legal defense fees, repair bills for other people’s vehicles and loss of income. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.