1991 Pontiac Grand Am Insurance Quotes – 7 Ways to Save

Did you make the mistake of buying an overpriced auto insurance policy? Believe me when I say many consumers feel financially strained by their auto insurance policy.

Due to the large number of online and local companies to choose from, it can be impossible to pick the most affordable company.

The quickest method we recommend to compare car insurance rates is to take advantage of the fact most of the larger companies have advanced systems to provide you with a free rate quote. To begin a comparison, all you need to do is take a few minutes to give details like if it has an alarm system, if you require a SR-22, your credit rating estimate, and the type of vehicles you drive. That rating information is submitted instantly to multiple companies and you will get price comparisons very quickly.

Insurance Discounts

Some providers don’t always advertise all their discounts in a way that’s easy to find, so the list below gives a summary of some of the more common and the more hidden credits available to bring down your rates.

• Professional Memberships – Having an affiliation with a professional or civic organization is a simple method to lower premiums when shopping for insurance.
• Discount for Good Grades – A discount for being a good student can save 20 to 25%. The discount lasts until age 25.
• First Accident Forgiveness – but some insurance companies will turn a blind eye to one accident before raising your premiums with the catch being you have to be claim-free prior to the accident.
• Payment Method – By paying your policy upfront rather than spreading payments over time you can actually save on your bill.
• Discounts for Good Drivers – Drivers without accidents may receive a discount up to 45% on Grand Am coverage than their less cautious counterparts.
• Multiple Policy Discount – If you have multiple policies and place coverage with the same company you may save at least 10% off all policies.
• Active Service Discounts – Being deployed with a military unit may qualify for rate reductions.

You should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most cut the price of certain insurance coverages like comp or med pay. Even though it appears all those discounts means the company will pay you, insurance companies aren’t that generous. Any amount of discount will definitely reduce the amount you have to pay.

A few of the larger companies and a selection of discounts are shown below.

• Geico may include discounts for emergency military deployment, driver training, daytime running lights, multi-policy, defensive driver, seat belt use, and military active duty.
• USAA offers discounts including multi-vehicle, driver training, family discount, good student, and defensive driver.
• Progressive policyholders can earn discounts including good student, online quote discount, multi-policy, continuous coverage, homeowner, online signing, and multi-vehicle.
• American Family offers premium reductions for TimeAway discount, accident-free, good driver, good student, multi-vehicle, and air bags.
• Esurance may have discounts that include good driver, anti-lock brakes, defensive driver, safety device, multi-car, anti-theft, and claim free.
• Farmers Insurance has savings for homeowner, early shopping, switch companies, alternative fuel, electronic funds transfer, business and professional, and youthful driver.
• State Farm has discounts for safe vehicle, multiple policy, passive restraint, Drive Safe & Save, accident-free, multiple autos, and driver’s education.

When getting a coverage quote, ask each company or agent which discounts can lower your rates. Some of the discounts discussed earlier may not apply to policyholders everywhere. To see insurers with discount rates, click this link.

Tailor your car insurance coverage to you

When it comes to choosing coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that These are some specific questions may help you determine if you may require specific advice.

• What vehicles should carry emergency assistance coverage?
• Do I need PIP (personal injury protection) coverage in my state?
• Is rental equipment covered for theft or damage?
• Does coverage extend to Mexico or Canada?
• Am I covered when driving a rental car?
• Is my custom paint covered by insurance?

If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Car insurance 101

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages available from insurance companies.

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, driving through your garage door, scraping a guard rail, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Auto liability – Liability insurance protects you from damage that occurs to other’s property or people. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for claims like funeral expenses, loss of income, pain and suffering and legal defense fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, hail damage and theft. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for ambulance fees, nursing services, pain medications, hospital visits and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – 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. It can pay for injuries to you and your family as well as damage to your Pontiac Grand Am.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.