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Pontiac Grand Am Insurance Quotes

You have lots of choices when looking for the best insurance on your Pontiac vehicle. You can buy from an insurance agent or shop online to compare insurance costs of multiple companies. Comparing car insurance online is easy and at the same time you may find lower rates.

Beginners to comparison shopping may think finding cheap Grand Am insurance is very challenging. The are a couple different ways to get quotes from different insurance companies. The best way to find the cheapest Grand Am insurance cost involves getting comparison quotes online. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact Grand Am insurance rates?

Insurance premiums for a Pontiac Grand Am can fluctuate considerably based upon several criteria. Taken into consideration are:

  • The performance level of your Grand Am
  • Accidents raise premiums
  • Home and auto can earn discounts
  • Use of your vehicle
  • Special coverage such as replacement cost
  • Your job
  • The level of coverage
  • Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a reduced actual cash value compared to new Pontiac models so repair costs tend to be lower which will push premiums down. Conversely, more recent Pontiac vehicles have more advanced features such as forward-collision avoidance, tire pressure monitors, and autonomous braking which may help offset higher rates.

To get a better idea how much rates will be for your vehicle, select the year of your Grand Am from available model years below.

Liability coverage

Liability insurance will cover damages or injuries you inflict on other people or property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Collision coverage protection

This coverage will pay to fix damage to your Pontiac caused by collision with an object or car. A deductible applies and then insurance will cover the remainder. Grand Am collision insurance is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The most you can receive from a comprehensive 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.

Coverage for uninsured or underinsured drivers

This provides protection from other drivers when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used to fill the gap from your health insurance program or if you do not have health coverage. PIP is only offered in select states and may carry a deductible.

How Much are Pontiac Grand Am Insurance Rates?