1999 Pontiac Grand Am Insurance Quotes – 6 Ideas for Best Rates

Car insurance shoppers not familiar with price shopping auto insurance online will discover sourcing affordable auto insurance can be quite challenging.

You should make it a habit to take a look at other company’s rates quite often since insurance rates trend upward over time. Even if you think you had the best deal for Grand Am insurance last year there is a good chance you can find better prices now. You’ll find a ton of advice on auto insurance online, but by reading this article, you’re going to learn the easiest ways to find cheap auto insurance.

Pricing affordable protection is quite easy. Basically, anyone who shops for car insurance should be able to find better rates. But drivers must comprehend the way insurance companies price online insurance.

Auto insurance discounts help lower rates

Some insurance providers don’t always publicize all available discounts very well, so the below list has some of the more common and also the more inconspicuous discounts you could be receiving when you buy auto insurance online.

  • Theft Prevention Discount – Cars equipped with anti-theft or alarm systems can help prevent theft and will qualify for a discount on a auto insurance quote.
  • Policy Bundle Discount – When you have multiple policies with the same insurance company you could get a discount of as much as 10 to 15 percent.
  • College Student – Youth drivers who attend college more than 100 miles from home and don’t have a car can receive lower rates.
  • Online Discount – A few larger companies may give you up to $50 for completing your application digitally online.
  • Safe Driver Discount – Insureds who avoid accidents can get discounts for up to 45% lower rates for Grand Am insurance than less cautious drivers.
  • Drivers Education – Require your teen driver to participate in a local driver’s education class in high school.

You can save money using discounts, but some credits don’t apply to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, you’re out of luck.

Some of the larger companies that may offer policyholders some of the above discounts are:

Double check with each insurance company what discounts are available to you. Some credits might not be offered in your area. To locate insurance companies who offer discounts, click here to view.

Buy insurance coverage online

Shopping for lower insurance coverage rates can take time and effort if you don’t utilize the fastest way to get free quotes. You can waste hours talking to agents in your area, or you can stay home and use online quoting to get the quickest rates.

Most major companies participate in a marketplace where prospective buyers enter their coverage request one time, and each company then returns a price quote based on the submitted data. This prevents consumers from doing quote requests for each company you want a rate for.

To find out how much you’re overpaying now click here (opens in new window).

The single downside to getting quotes like this is you don’t know exactly the companies to get pricing from. So if you want to select specific providers to compare prices, we put together a list of companies who write insurance coverage in your area. Click here to view list.

Whichever way you use, make sure you compare equivalent coverage data for every quote you compare. If your comparisons have different data it’s impossible to make a fair comparison for your Pontiac Grand Am. Just slight variations in coverages could throw off the whole comparison. Just remember that making a lot of price comparisons increases the change that you will find a lower rate than you’re paying now.

Which is the best auto insurance?

When buying the best auto insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Every situation is different.

These are some specific questions may help highlight if you will benefit from professional help.

  • How high should my uninsured/underinsured coverage be in my state?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my personal policy cover me when driving out-of-state?
  • What are the best liability limits?
  • Do I need roadside assistance coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my trailer covered?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Be skeptical of auto insurance ads

Big name companies like State Farm, Allstate and Geico consistently run ads on television and other media. All the ads make the point of big savings just by switching your auto insurance coverage to their company. It sounds good, but how can they all give you a better price?

All companies require specific criteria for the type of insured that earns them a profit. For instance, a driver they prefer might have to be over the age of 45, has no driving citations, and the vehicle is rated for pleasure use. A customer getting a price quote who fits that profile gets the lowest prices and therefore will save a lot of money.

Consumers who fall short of these standards must pay higher rates and ends up with the customer not purchasing. If you listen to the ad wording, they say “drivers that switch” not “everyone that quotes” save the amount stated. That’s the way companies can claim big savings.

This really emphasizes why you should compare free auto insurance quotes often. It’s just too difficult to predict the company that will have better prices than you’re paying now.

Learn about car insurance coverages for a Pontiac Grand Am

Learning about specific coverages of car insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a mailbox, colliding with a tree, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like doctor visits, funeral costs and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, falling objects and damage from flooding. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 1999 Pontiac Grand Am.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally these coverages are similar to your liability insurance amounts.

Liability car insurance

This coverage can cover damage or injury you incur to people or other property by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as legal defense fees, repair bills for other people’s vehicles, funeral expenses and medical services. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

A tidy conclusion

We just covered a lot of ways to compare 1999 Pontiac Grand Am insurance rates online. The most important thing to understand is the more you quote auto insurance, the higher the chance of saving money. You may even discover the lowest rates come from an unexpected company.

Drivers change insurance companies for any number of reasons including delays in responding to claim requests, an unsatisfactory settlement offer, high prices and even high rates after DUI convictions. Whatever your reason, finding a new auto insurance company can be pretty painless.

Discount 1999 Pontiac Grand Am insurance can be sourced from both online companies as well as from insurance agents, so you should compare both in order to have the best price selection to choose from. Some auto insurance companies may not provide the ability to get quotes online and many times these regional insurance providers work with independent agencies.

Even more information can be read in these articles: