1991 Pontiac Le Mans Insurance Quotes – 9 Tips to Save

Buyers have lots of choices when searching for the lowest priced Pontiac Le Mans insurance. You can either waste hours driving around to get rate comparisons or save time using the internet to compare rates. There are both good and bad ways to compare insurance coverage rates so we’re going to tell you the absolute fastest way to quote coverages on a Pontiac and locate the cheapest rates either online or from local insurance agents.

How to buy auto insurance online

Finding a lower price on 1991 Pontiac Le Mans insurance doesn’t have to be difficult. Just spend a few minutes getting comparison quotes online from several insurance companies. It’s super easy and can be done in several different ways.

Experts agree that the best way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This easy form prevents you from having to do separate quote forms to each individual auto insurance company. Taking the time to complete one form will return quotes from multiple companies. It’s the fastest way to compare.

A less efficient way to compare prices is spending the time to visit each company’s website to complete a price quote. For example, we’ll assume you want to compare Liberty Mutual, Geico and Allstate. You would need to go to each individual site and type in your information over and over, which can get old fast.

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

Whichever way you choose to compare rates, try to use nearly identical coverages and limits for every quote you compare. If you are comparing different data you will not be able to make a fair rate comparison.

Take these nine policy discounts and save

Insuring your fleet can be pricey, but you may be missing some discounts that can dramatically reduce your bill. Certain reductions will be credited at the time of purchase, but some must be manually applied before you will receive the discount.

  • Paper-free Discount – Some insurance companies give back up to $50 for buying your policy on the internet.
  • Distant Student – Older children who live away from home at college and don’t have a car can receive lower rates.
  • Early Renewal Discounts – Some insurance companies give discounts for buying a new policy prior to your current policy expiration. Ten percent is about the average savings.
  • Low Mileage Discounts – Low annual miles can earn lower prices due to less chance of an accident.
  • No Accidents – Insureds who avoid accidents and claims pay much less when compared to drivers who are more careless.
  • Military Rewards – Being on active deployment in the military may qualify for rate reductions.
  • Discounts for Cautious Drivers – Safe drivers may receive a discount up to 45% on Le Mans coverage than drivers with accidents.
  • Federal Employees – Having worked for a branch of the government could cut as much as 10% off on Le Mans coverage but check with your company.
  • Multi-car Discount – Insuring multiple cars or trucks with the same company can get a discount on all vehicles.

Please keep in mind that most discount credits are not given to the entire cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, nobody gets a free ride.

Popular insurance companies and some of the premium reductions they offer are shown below.

  • State Farm offers discounts including Steer Clear safe driver discount, multiple policy, good driver, student away at school, Drive Safe & Save, defensive driving training, and good student.
  • Geico may include discounts for five-year accident-free, driver training, anti-lock brakes, emergency military deployment, daytime running lights, and air bags.
  • Liberty Mutual has discounts for newly retired, new move discount, newly married, teen driver discount, and good student.
  • The Hartford has savings for driver training, vehicle fuel type, air bag, defensive driver, bundle, and good student.
  • MetLife discounts include good student, multi-policy, good driver, defensive driver, and accident-free.
  • Progressive policyholders can earn discounts including online signing, multi-policy, multi-vehicle, good student, online quote discount, and continuous coverage.

If you want low cost car insurance quotes, ask all the companies which discounts can lower your rates. Some discounts listed above may not be offered in your state. If you would like to view insurance companies with discount insurance rates, click this link.

Which policy gives me the best coverage?

When choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine whether your personal situation will benefit from professional help.

  • How many claims can I have before being cancelled?
  • Should I buy only the required minimum liability coverage?
  • Is there coverage for injuries to my pets?
  • Do I have coverage if my license is suspended?
  • Am I covered when driving in Canada or Mexico?
  • Is my nanny covered when driving my vehicle?
  • Am I covered when using my vehicle for business?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Car insurance coverages 101

Having a good grasp of a car insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive auto coverage

Comprehensive insurance coverage pays for 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 protects against things like hitting a deer, damage from getting keyed, a broken windshield, rock chips in glass and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, chiropractic care, surgery and pain medications. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability coverage can cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like court costs, legal defense fees and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

Collision coverage will pay to fix damage to your Le Mans resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like rolling your car, crashing into a building and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1991 Pontiac Le Mans.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

In Summary

Discount 1991 Pontiac Le Mans insurance can be bought both online and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some insurance coverage companies do not provide internet price quotes and many times these regional insurance providers provide coverage only through local independent agencies.

As you restructure your insurance plan, it’s not a good idea to reduce needed coverages to save money. There have been many situations where an accident victim reduced collision coverage only to discover later that they should have had better coverage. Your goal is to purchase plenty of coverage for the lowest cost, not the least amount of coverage.

People who switch companies do it for many reasons like high rates after DUI convictions, delays in responding to claim requests, lack of trust in their agent and even unfair underwriting practices. Regardless of your reason, finding the right insurance coverage provider is not as hard as you think.

Much more information about insurance coverage is available on the following sites: