Cheaper 1996 Pontiac Grand Am Insurance Rates

Searching for better car insurance rates for your Pontiac Grand Am? Having to pay for high-priced car insurance can deplete your family’s budget and possibly require postponing other expenditures. Comparing rates annually is free and is an excellent way to reduce premiums and put more money in your pocket.

Due to the abundance of companies and agents to choose from, it’s difficult to find the lowest cost car insurance provider.

You should take the time to compare premium rates before your policy renews since insurance prices change quite often. Even if you got the lowest price on Grand Am insurance last year you may be paying too much now. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the best methods to save money, get proper deductibles and limits, all at the lowest rate.

Compare auto insurance rate quotes

There are several ways you can shop for auto insurance but some are easier and takes less work. You can spend countless hours talking about coverages with agents in your area, or you could save time and use the internet for quick rates.

Many insurance companies belong to a marketplace that enables customers to send in one quote, and at least one company returns a rated price for coverage. This saves time by eliminating quotation requests for each company you want a rate for.

To compare rates using this form now click here to open in new window.

One minor caviat to comparing rates this way is buyers cannot specifically choose the companies you will receive quotes from. So if you want to choose individual companies for rate comparison, we have assembled a list of auto insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, make darn sure you compare equivalent deductibles and coverage limits on every quote. If the quotes have differing limits it will be next to impossible to get a fair rate comparison. Just slight variations in coverage limits can result in a big premium difference. Keep in mind that more quotes provides better odds of finding more affordable rates. Not every company provides online quotes, so it’s important to compare price estimates from those companies as well.

Learn how to lower your insurance rates

Lots of things are part of the calculation when quoting car insurance. Some are obvious like your driving record, but others are more obscure like where you live or how financially stable you are.

  • Job stress can affect prices – Jobs like military personnel, architects and dentists tend to pay the highest rates due to job stress and incredibly demanding work hours. Conversely, careers like professors, historians and homemakers generally pay rates lower than average on Grand Am insurance.
  • Safety first – Safer cars are cheaper to insure. Safe vehicles protect occupants better and any reduction in injury severity means lower claim amounts which can result in lower premiums.
  • Better rates for continuous coverage – Having a lapse in insurance coverage can be a sure-fire way to increase your rates. And not only will your rates increase, failure to provide proof of insurance can result in a revoked license or a big fine. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Only buy add-on coverages you need – There are quite a few optional add-on coverages that can waste your money if you aren’t careful. Insurance for replacement cost coverage, towing, and motor club memberships may be costing you every month. These may sound like a good investment when talking to your agent, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.

Don’t overlook these auto insurance discounts

Companies that sell car insurance don’t always publicize every available discount very clearly, so we took the time to find a few of the more well known as well as the least known ways to save on auto insurance.

  • Professional Organizations – Being a member of certain professional organizations could trigger savings on your bill.
  • Discounts for New Vehicles – Putting coverage on a new car can save up to 30% compared to insuring an older model.
  • Onboard Data Collection – Drivers that enable driving data collection to monitor where and when they drive by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they show good driving skills.
  • Use Seat Belts – Drivers who require all vehicle occupants to fasten their seat belts could cut 10% or more off the medical payments premium.
  • Switch and Save Discount – Some companies provide a discount for switching policies before your current policy expires. The savings is around 10%.
  • Senior Citizen Discount – Older drivers may receive a small decrease in premiums on Grand Am insurance.
  • Service Members Pay Less – Being on active deployment in the military could mean lower rates.
  • Multi-Vehicle Discounts – Having multiple cars with the same auto insurance company could earn a price break for each car.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. Many companies even apply the discount to college students until age 25.
  • College Student Discount – who live away from home at college and don’t have a car could qualify for this discount.

One thing to note about discounts is that most discount credits are not given to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

Large auto insurance companies and their offered discounts include:

  • Geico offers discounts including anti-theft, federal employee, good student, military active duty, multi-vehicle, and daytime running lights.
  • Mercury Insurance discounts include professional/association, accident-free, age of vehicle, anti-theft, low natural disaster claims, and multi-policy.
  • Farmers Insurance may have discounts that include electronic funds transfer, pay in full, switch companies, business and professional, mature driver, and youthful driver.
  • Auto-Owners Insurance includes discounts for multi-policy, good student, anti-theft, safe driver, mature driver, student away at school, and company car.
  • Liberty Mutual may offer discounts for exclusive group savings, multi-car, teen driver discount, preferred payment discount, new vehicle discount, and new graduate.
  • SAFECO offers premium reductions for anti-lock brakes, accident prevention training, multi-car, drive less, bundle discounts, anti-theft, and teen safety rewards.
  • Progressive has discounts for good student, continuous coverage, online quote discount, multi-vehicle, and multi-policy.
  • USAA offers discounts for vehicle storage, military installation, good student, defensive driver, multi-vehicle, annual mileage, and driver training.

Check with all companies you are considering how you can save money. Depending on the company, some discounts may not apply in your area.

When to get professional advice

When choosing proper insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions may help you determine if you might need an agent’s assistance.

  • Does my insurance cover my expensive audio equipment?
  • Is upholstery damage covered by car insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • I have a DUI can I still get coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • How high should my uninsured/underinsured coverage be in my state?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I put collision coverage on all my vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Specific coverages for a Pontiac Grand Am

Understanding the coverages of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average car insurance policy.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for immediate expenses like rehabilitation expenses, ambulance fees and dental work. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Coverage for liability – Liability insurance provides protection from damage or injury you incur to other’s property or people in an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as repair bills for other people’s vehicles, medical services, court costs and emergency aid. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Pontiac Grand Am.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.

Collision – This coverage pays for damage to your Grand Am resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a mailbox, colliding with another moving vehicle, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

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

Comprehensive coverage protects against things like hail damage, a broken windshield and hitting a bird. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Online plus local equals savings

Cheaper insurance can be bought online and with local insurance agents, so get free car insurance quotes from both of them in order to have the best price selection to choose from. Some companies may not have online rate quotes and these regional carriers only sell coverage through independent insurance agencies.

When you buy car insurance online, it’s not a good idea to reduce coverage to reduce premium. In many instances, an insured dropped collision coverage and discovered at claim time that the small savings ended up costing them much more. Your goal is to buy the best coverage you can find at a price you can afford, but don’t skip important coverages to save money.

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