Save on 1997 Pontiac Grand Am Car Insurance Cost

Searching for the cheapest auto insurance rates for your Pontiac Grand Am? Locating the cheapest insurance for a new or used Pontiac Grand Am can turn out to be a painful process, but you can learn a few tricks to find lower rates.

There are more efficient ways to compare auto insurance rates so you’re going to learn the best way to price shop coverage for a new or used Pontiac and locate the best price possible from both online companies and local agents.

It’s a great practice to compare premium rates periodically since rates are usually higher with each renewal. Even if you think you had the best rate on Grand Am insurance on your last policy the chances are good that you can find a lower price today. Forget all the misinformation about auto insurance because it’s time to teach you the right way to find better rates and still maintain coverage.

If you are insured now or are looking for a new policy, you can use these tips to get lower rates and still get good coverage. Locating the best auto insurance coverage is not that difficult. Drivers just need to understand the most effective way to compare prices over the internet.

Shop insurance coverage online

Lowering your 1997 Pontiac Grand Am insurance coverage rates is an easy way to save money. The only requirement is to take the time comparing price quotes online from several insurance companies. Rate comparisons can be done using a couple different methods.

The single most time-saving way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This type of form saves time by eliminating separate quotation requests for each company. One form will return quotes from multiple low-cost companies.It’s the quickest way to get rates.

A less efficient way to find better pricing requires a trip to the website for each individual company and repeat the quote process again and again. For examples sake, let’s say you want to compare prices for Progressive, Esurance and Travelers. In order to get each rate, you would have to spend time on each company’s site to enter your coverage information, which is why first method is reommended. For a list of links to insurance companies in your area, click here.

The hardest method to comparison shop rate quotes is to spend your day driving to different agent offices. Comparing online rate quotes eliminates the need for an insurance agent unless you require the trained guidance that can only be provided by a licensed insurance agent. Although you can find lower rates online but still have the advice of a local agent.

The method you choose is up to you, but do your best to use apples-to-apples coverage limits with every price quote. If you enter different data it’s not possible to determine the lowest rate for your Pontiac Grand Am.

Cheaper rates with discounts

Car insurance can be pricey, but there could be significant discounts to help bring down the price. A few discounts will automatically apply when you complete an application, but some may not be applied and must be asked about in order for you to get them.

• Defensive Driving Course – Taking time to complete a course that instructs on driving safety could possibly earn you a 5% discount and easily recoup the cost of the course.
• Passenger Safety Discount – Cars that have air bags or automatic seat belts may qualify for discounts up to 30%.
• Discount for New Cars – Insuring a new car can save up to 30% compared to insuring an older model.
• Cautious Drivers – Safe drivers can pay as much as 50% less on Grand Am insurance compared to rates paid by drivers with frequent claims.
• Accident Forgiveness Coverage – This one is not really a discount per se, but a handful of insurance companies will forgive one accident without the usual rate increase so long as you haven’t had any claims before the accident.
• Active Military Service – Having a family member in the military could qualify you for better rates.
• Resident Student – who are attending college without a vehicle on campus may qualify for this discount.
• Accident Free – Insureds with no claims or accidents are rewarded with significantly better rates on car insurance quote as opposed to bad drivers.
• Early Payment Discounts – By making one initial payment instead of making monthly payments you may reduce your total bill.
• Government Employees – Active or former government employment can save as much as 8% on Grand Am insurance with select insurance companies.

You can save money using discounts, but many deductions do not apply to all coverage premiums. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like you could get a free car insurance policy, that’s just not realistic.

To choose insurers with the best car insurance discounts, click here.

What is the best insurance coverage coverage?

When it comes to buying adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions can aid in determining if you would benefit from an agent’s advice.

• Does insurance cover damages from a DUI accident?
• Is my custom paint covered by insurance?
• Does coverage extend to my business vehicle?
• How high should deductibles be on a 1997 Pontiac Grand Am?
• Are my friends covered when driving my 1997 Pontiac Grand Am?
• Are rental cars covered under my policy?
• What is high-risk coverage and where do I buy it?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Insurance coverage considerations

Learning about specific coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for expenses like pain medications, surgery and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, falling objects, damage from flooding, damage from a tornado or hurricane and fire damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision – Collision insurance covers damage to your Grand Am from colliding 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 coverage protects against claims like crashing into a ditch, backing into a parked car, crashing into a building, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also increase the deductible to save money on collision insurance.

Liability coverages – This provides protection from damage or injury you incur to people or other property in an accident. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for things like funeral expenses, structural damage, emergency aid, pain and suffering and attorney fees. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Pontiac Grand Am.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.