1991 Pontiac Le Mans Car Insurance Quotes

Looking for cheaper insurance rates for your Pontiac Le Mans? I can’t think of anyone who likes paying for insurance, especially when the cost is too high.

Multiple insurers compete for your insurance dollar, and it can be difficult to compare rates to find the absolute lowest price

It’s a great practice to compare rates before your policy renews because insurance rates are constantly changing. If you had the lowest price for Le Mans coverage a few years ago you can probably find a better price now. Starting now, forget all the misinformation about insurance because I’m going to teach you the tricks you need to know to lower your annual insurance bill.

Insurance Comparison Rates

Comparing insurance rates can take hours if you don’t utilize the easiest way. You can spend countless hours talking to local insurance agents in your area, or you can utilize the internet for quick rates.

Most major companies participate in an industry program that allows shoppers to complete one form, and each participating company can provide price quotes based on the submitted data. This saves time by eliminating form submissions for each company.

To access this free quoting program, click to open in new window.

The one downside to comparing rates this way is you are unable to specify which providers to receive prices from. If you would rather choose from a list of companies to compare prices, we have a page of the cheapest insurance companies in your area. Click here to view list.

Which method you use is up to you, but double check that you are using the exact same quote information on every quote. If you have differing limits then you won’t be able to find the best deal for your Pontiac Le Mans. Slightly different limits can make a big difference in price. It’s important to know that comparing a large number of companies will enable you to find the best offered rates.

Take discounts and save

Insurance can be prohibitively expensive, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time you complete a quote, but less common discounts must be asked about before you will receive the discount.

  • Bundle and Save – When you combine your home and auto insurance with the same company you could get a discount of at least 10% off all policies.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Drive Less and Save – Low mileage vehicles can earn a substantially lower rate.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.
  • Paperwork-free – A handful of insurance companies will give a small break just for signing your application online.
  • Senior Discount – Mature drivers may be able to get a discount up to 10% for Le Mans coverage.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off for Le Mans coverage with a few insurance companies.
  • No Accidents – Good drivers with no accidents pay less compared to frequent claim filers.
  • College Student – Children living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.

It’s important to understand that most discount credits are not given to the overall cost of the policy. A few only apply to specific coverage prices like comp or med pay. So when the math indicates all the discounts add up to a free policy, insurance companies aren’t that generous. But any discount will reduce your premiums.

For a list of companies who offer insurance discounts, follow this link.

Elements that influence Pontiac Le Mans insurance rates

Consumers need to have an understanding of some of the elements that help determine the price you pay for insurance coverage. Understanding what influences your rates helps enable you to make changes that will entitle you to better insurance coverage rates.

  • Where you reside plays a part – Residing in small towns and rural areas can be a good thing when talking about insurance coverage. Urban drivers tend to have much more traffic and longer commute times. Fewer drivers means fewer accidents as well as less vandalism and auto theft.
  • Proper usage rating affects rates – The higher the mileage driven in a year the higher your rate. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Vehicles left parked in the garage receive lower rates than vehicles that are driven to work every day. Make sure your insurance coverage declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money. If your policy improperly rates your Le Mans can result in significantly higher rates.
  • Discounts for multiple policies – The majority of insurance coverage companies will award you with lower prices to people who consolidate policies with them such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s in your best interest to compare rates to make sure you are getting the best deal.
  • Men pay higher rates – Statistics have proven women tend to be less risk to insure than men. Now that doesn’t mean women are better drivers. Women and men cause accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also tend to get cited for more serious violations like reckless driving and DUI.
  • Never allow your policy to lapse – Driving without insurance is illegal and you will pay a penalty because you let your insurance lapse. Not only will rates go up, but being ticketed for driving with no insurance can result in a steep fine or even jail time.You may need to prove you have insurance by filing a SR-22 with your state DMV.
  • Liability insurance protects assets – Liability coverage provides coverage in the event that a jury decides you are liable for damages from an accident. Liability insurance provides for a legal defense starting from day one. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
  • Increase deductibles and save – Coverage for physical damage, also known as collision and other-than-collision, protects your Pontiac from damage. Some instances where coverage would apply would be a windshield shattered by a rock, damage caused by hail, and burglary. Physical damage deductibles are the amount of money you are willing to pay if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the lower your rates will be for Le Mans coverage.

Which policy gives me the best coverage?

When it comes to buying the best insurance coverage coverage, there is no “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that. For instance, these questions can help discover whether or not you might need an agent’s assistance.

  • What can I do if my company won’t pay a claim?
  • How can I find cheaper teen driver insurance?
  • Do I have newly-aquired coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Should I rate my 1991 Pontiac Le Mans as pleasure use or commute?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is motorclub coverage worth it?
  • Am I covered if I wreck a rental car?
  • Can I afford to pay high deductible claims out of pocket?
  • Where can I get insurance after a DUI in my state?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Is there deception in advertising?

Insurance coverage providers like Allstate and Progressive consistently run television and radio advertisements. They all make an identical promise that you can save if you change to them. How does each company make the same claim?

Different companies have a certain “appetite” for the type of driver that earns them a profit. A good example of a driver they prefer might be profiled as over the age of 40, has no tickets, and drives newer vehicles. A customer that hits that “sweet spot” will get the preferred rates and therefore will save a lot of money.

Consumers who fall outside the “perfect” profile will be quoted a higher premium which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everyone that quotes” save that kind of money. That is how insurance companies can state the savings.

This emphasizes why it’s extremely important to get a wide range of price quotes. It’s impossible to know the company that will give you the biggest savings on Pontiac Le Mans insurance.

Car insurance coverages 101

Understanding the coverages of your car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average car insurance policy.

Liability

This will cover damage that occurs to other’s property or people. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like bail bonds, funeral expenses, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Comprehensive car insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hail damage, damage from a tornado or hurricane and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision insurance

Collision insurance covers damage to your Le Mans caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like rehabilitation expenses, doctor visits, surgery, hospital visits and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 1991 Pontiac Le Mans.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are similar to your liability insurance amounts.

Quote more. Save more.

We’ve covered many ways to compare 1991 Pontiac Le Mans insurance prices online. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the best prices are with the least-expected company. These companies may only write in your state and offer lower rates than the large multi-state companies such as Progressive and GEICO.

Affordable insurance is attainable both online in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

More resources