View 1992 Pontiac Grand Am Car Insurance Quotes

Wish you could get out of overpriced insurance? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Companies like Geico, 21st Century and Progressive increase brand awareness with ad campaigns and it is difficult to see through the deception and take the time to shop coverage around.

You should make it a habit to get comparison quotes at least once a year because insurance prices change quite often. Even if you think you had the lowest rate for Grand Am coverage on your last policy you will most likely find a better premium rate today. Block out anything you think you know about insurance because we’re going to demonstrate how to quote online to get good coverage at a lower rate.

Are you qualifying for every discount?

Companies that sell car insurance don’t always publicize the complete list of policy discounts in a way that’s easy to find, so the next list breaks down some of the best known and also the lesser-known credits available to bring down your rates. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Safety Course Discount – Taking time to complete a class that teaches driver safety techniques can save you 5% or more and easily pay for the cost of the class.
  • Multiple Cars – Buying a policy with more than one vehicle on one policy can get a discount for every vehicle.
  • New Vehicle Savings – Buying a new car model can save up to 30% since new model year vehicles have better safety ratings.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. The discount lasts up to age 25.
  • Discount for Low Mileage – Driving less may allow you to get substantially lower rates.
  • Sign Online – Certain insurance coverage companies provide a small discount shop car insurance online.
  • Discount for Life Insurance – If the company offers life insurance, you could get a lower insurance coverage rate if you buy a life policy as well.
  • Distant College Student Discount – College-age children who are attending college and do not have a car can be insured at a reduced rate.
  • Anti-theft Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and therefore earn up to a 10% discount.

As a footnote on discounts, some of the credits will not apply to your bottom line cost. The majority will only reduce specific coverage prices like comp or med pay. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

Large insurance coverage companies and their possible discounts are outlined below.

  • Farm Bureau may offer discounts for multi-vehicle, good student, renewal discount, multi-policy, and 55 and retired.
  • MetLife may have discounts that include claim-free, good driver, good student, accident-free, defensive driver, and multi-policy.
  • Progressive discounts include online signing, good student, homeowner, multi-vehicle, and online quote discount.
  • AAA offers discounts including AAA membership discount, pay-in-full, good driver, education and occupation, good student, multi-policy, and multi-car.
  • American Family includes discounts for accident-free, Steer into Savings, air bags, defensive driver, good student, TimeAway discount, and bundled insurance.
  • Geico offers discounts for defensive driver, anti-lock brakes, emergency military deployment, anti-theft, and five-year accident-free.
  • State Farm has savings for student away at school, defensive driving training, Drive Safe & Save, multiple policy, accident-free, passive restraint, and driver’s education.

If you need affordable car insurance quotes, ask each insurance company to apply every possible discount. Some of the discounts discussed earlier may not apply to policies in your area. If you would like to view providers who offer cheap insurance coverage quotes, click here to view.

How to get free car insurance quotes online

Cutting your car insurance rates is actually quite simple. You just have to spend a few minutes on the computer to compare rate quotes to find out which insurance company has the cheapest car insurance quotes. Rate comparisons can be done in a couple of different ways.

  1. One of the best ways to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This form saves time by eliminating separate quote forms to each individual car insurance company. Just one form gets prices estimates from car insurance companies with the best prices.
  2. A more time consuming way to analyze rates consists of going to the website for every company you want to comare and go through the quote process again. For examples sake, we’ll pretend you want to compare prices for Farmers, Progressive and GMAC. To find out each rate you need to spend time going to each site individually and repeatedly type in your coverage information, which explains why we recommend starting with the first method. For a handy list of car insurance company links in your area, click here.

However you get your quotes, be sure you’re using exactly the same coverage information for every quote you compare. If you have higher or lower deductibles then you won’t be able to get a fair rate comparison.

The Pontiac Grand Am insurance rate equation

Part of the insurance buying process is learning some of the things that aid in calculating the level of your policy premiums. When you understand what determines premiums, this helps enable you to make changes that will entitle you to big savings. Many factors are part of the equation when pricing auto insurance. A few of the factors are predictable like your driving record, but other criteria are more transparent such as whether you are married or your financial responsibility.

The itemized list below are some of the most common factors companies use to determine your rates.

  • Get better rates if married – Getting married may cut your premiums on your policy. Marriage means you’re more stable financially and statistics show being married results in fewer claims.
  • Prevent theft and save – Choosing a vehicle with an alarm system can help bring down rates. Systems that thwart theives like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft and help lower rates.
  • Increase comp and collision deductibles to save – Insurance for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your Pontiac. Some instances where coverage would apply are a dented fender, damage from fire, and having your car stolen. Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket in the event of a claim. The higher the amount you choose to pay out-of-pocket, the bigger discount you will receive for Grand Am coverage.
  • Safer cars means better rates – Vehicles that have high safety ratings tend to be cheaper to insure. Vehicles engineered for safety reduce the chance of injuries and fewer injuries means less claims paid which can mean better rates for you.
  • Rates can drop if you have more than one policy – Most larger insurers afford discounts to buyers that purchase more than one policy in the form of a multi-policy discount. The discount can add up to 10 percent or more. Even if you already get this discount, drivers will still want to compare other insurance prices to make sure you are getting the best deal.
  • Prevent coverage lapses – Allowing your coverage to lapse is a guaranteed way to increase your rates. And not only will your rates increase, the inability to provide proof of insurance could earn you a revoked license or a big fine. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.

When in doubt talk to an agent

When buying adequate coverage, there is no cookie cutter policy. Every situation is different so your insurance needs to address that. For instance, these questions may help highlight if your insurance needs could use an agent’s help.

  • Can my babysitter drive my car?
  • Does having multiple vehicles earn me a discount?
  • Will my insurance pay for OEM parts?
  • What are the financial responsibility laws in my state?
  • Am I covered if I crash into my own garage door?
  • Do I need more liability coverage?
  • Do I need rental car coverage?
  • What is the difference between comprehensive and collision coverage?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

What car insurance coverages do you need?

Understanding the coverages of car insurance aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most car insurance policies.

Comprehensive (Other than Collision) – This coverage covers 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 insurance covers claims like rock chips in glass, a broken windshield and theft. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Pontiac Grand Am.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently these limits are similar to your liability insurance amounts.

Collision coverages – This coverage covers damage to your Grand Am from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as scraping a guard rail, crashing into a building, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Liability – This can cover damage that occurs to other people or property. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like structural damage, funeral expenses and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance – Med pay and PIP coverage provide coverage for expenses for surgery, EMT expenses and chiropractic care. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Summing up your insurance coverage search

We just showed you a lot of ways to shop for 1992 Pontiac Grand Am insurance online. The key concept to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the most savings is with some of the smallest insurance companies. They may only write in your state and offer lower premium rates than their larger competitors like Progressive or Geico.

As you restructure your insurance plan, make sure you don’t skimp on coverage in order to save money. There have been many situations where drivers have reduced full coverage only to discover later that the few dollars in savings costed them thousands. Your strategy should be to buy the best coverage you can find at the lowest possible cost while still protecting your assets.

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