Compare 1991 Pontiac Grand Am Insurance Rates

Want the cheapest car insurance rates for your Pontiac Grand Am? Price shopping your car insurance is hard for consumers not familiar with comparing rates online. Drivers have so many choices that it can easily become a real hassle to find the best price.

Consumers should take time to check car insurance prices quite often since insurance rates fluctuate regularly. If you had the lowest rates for Grand Am coverage last year you will most likely find a better rate today. Forget all the misinformation about car insurance because we’re going to demonstrate one of the easiest ways to find the best coverage while lowering your premiums.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this information. The purpose of this article is to familiarize you with how car insurance quotes work. But car owners do need to know how insurance companies market insurance on the web.

Impacting insurance rates for a Pontiac Grand Am

Smart consumers have a good feel for the rating factors that help determine the rates you pay for car insurance. When you know what positively or negatively impacts premium levels enables informed choices that can help you get big savings.

The following are a few of the “ingredients” car insurance companies consider when setting your rates.

  • A lapse in coverage is a bad thing – Driving your car without having proper coverage is against the law and you will pay a penalty because you let your insurance lapse. And not only will your rates increase, but not being able to provide proof of insurance can result in a license revocation or jail time.
  • Your stress level may be raising your rates – Occupations like lawyers, executives and stock brokers tend to have the highest rates in part from high stress levels and long work hours. On the other hand, occupations such as actors, students and retirees receive lower rates for Grand Am coverage.
  • Rate your vehicle for proper use – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles left parked in the garage get more affordable rates than those used for commuting. Make sure your car insurance policy is rated on the correct driver usage. Incorrect usage on your Grand Am can result in significantly higher rates.
  • Liability coverage is cheap – Liability coverage is the coverage that protects you in the event that you are found to be at fault for causing damage or personal injury in an accident. It will provide for a legal defense up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • One company can mean more discounts – Many insurers will award you with lower prices to policyholders who have multiple policies with them in the form of a multi-policy discount. Even with this discount, you may still want to compare other company rates to verify if the discount is saving money.
  • More people means more accidents – Living in less populated areas can be a good thing when insuring your vehicles. City drivers regularly have much more traffic and longer commute times. Lower population means fewer accidents and also fewer theft and vandalism claims.
  • High crash test scores lower rates – Safer cars get lower rates. The safest vehicles reduce injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If the Pontiac Grand Am scored better than four stars on or an “acceptable” rating on you are probably receiving a discount.
  • Policy add-ons can waste money – There are a ton of extra coverages you can purchase if you aren’t careful. Coverages for vanishing deductibles, better glass coverage and additional equipment coverage may be costing you every month. They may seem good initially, but now you might not need them so eliminate them to save money.

Discounts are basically free money

Car insurance companies don’t list all their discounts in a way that’s easy to find, so we took the time to find some of the more common and the harder-to-find savings tricks you should be using.

  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts compared to accident-prone drivers.
  • Homeowners Savings – Owning a home may trigger a insurance policy discount because maintaining a house is proof that your finances are in order.
  • Safety Course Discount – Successfully completing a defensive driving course can save you 5% or more if you qualify.
  • Good Student Discount – Performing well in school can save 20 to 25%. This discount can apply until age 25.
  • College Student – Youth drivers who live away from home and do not have a car can receive lower rates.
  • Memberships – Belonging to a qualifying organization could qualify you for a break on your policy for Grand Am coverage.
  • Auto/Home Discount – If you have multiple policies with one insurance company you may save at least 10% off all policies.
  • Accident Forgiveness – Certain companies permit an accident before raising your premiums so long as you haven’t had any claims for a certain period of time.

Keep in mind that most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, insurance companies aren’t that generous.

Insurance companies that may have these benefits may include but are not limited to:

It’s a good idea to ask each company which discounts they offer. Discounts might not apply in your area.

Which insurance is the “right” coverage?

When buying coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover if your insurance needs will benefit from professional help.

  • When would I need rental car insurance?
  • Am I better off with higher deductibles on my 1991 Pontiac Grand Am?
  • Will my insurance pay for OEM parts?
  • How do I buy GAP insurance?
  • Is a blown tire covered by insurance?
  • Is my ex-spouse still covered by my policy?
  • Is extra glass coverage worth it?
  • If my 1991 Pontiac Grand Am is totaled, can I afford another vehicle?
  • Who is covered when they drive my 1991 Pontiac Grand Am?
  • Are all vehicle passengers covered by medical payments coverage?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form.

Car insurance specifics

Understanding the coverages of car insurance aids in choosing the best coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Auto liability insurance

This coverage will cover damages or injuries you inflict on other people or property. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as court costs, repair bills for other people’s vehicles, attorney fees, pain and suffering and medical services. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Pontiac Grand Am.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills such as nursing services, surgery and doctor visits. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, falling objects, hail damage, theft and fire damage. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as damaging your car on a curb, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Save for a rainy day

Insureds who switch companies do it for many reasons like poor customer service, being labeled a high risk driver, extreme rates for teen drivers and not issuing a premium refund. It doesn’t matter what your reason, choosing a new insurance company is actually quite simple.

In this article, we covered many ideas to compare 1991 Pontiac Grand Am insurance prices online. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. You may even discover the best price on auto insurance is with an unexpected company.

As you shop your coverage around, never reduce coverage to reduce premium. There are many occasions where an insured dropped uninsured motorist or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible for the lowest price, not the least amount of coverage.

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