View 1992 Pontiac Grand Am Insurance Rates

Trying to find cheaper insurance coverage rates for your Pontiac Grand Am? People who are new to shopping for insurance online can find shopping for affordable insurance coverage is harder than they anticipated.

It’s a good idea to compare prices every six months due to the fact that insurance rates change regularly. Just because you had the best deal for Grand Am insurance a couple years back there is a good chance you can find better rates now. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the fastest and easiest way to properly buy coverages while reducing your premium.

How to Get Cheap Car Insurance

There are a lot of ways to compare car insurance quotes, and some are easier and takes less work. You could waste a few hours discussing policy coverages with insurance companies in your area, or you can utilize the web to get prices fast.

Most car insurance companies take part in a program where insurance shoppers complete one form, and at least one company returns a rated price for coverage. This system prevents you from having to do quote requests for each company you want a rate for.

To get comparison pricing now click here to start a free quote.

The one disadvantage to comparing rates this way is you don’t know exactly the insurers to get pricing from. If you prefer to choose specific insurance companies to compare, we have a listing of the cheapest car insurance companies in your area. Click to view list.

Whichever way you use, be sure to compare exactly the same coverage limits for every quote you compare. If you have different liability limits it will be very difficult to make a fair comparison for your Pontiac Grand Am. Quoting even small variations in limits could mean much higher rates. It’s important to know that getting more free quotes gives you a better chance of getting the best rates.

Be sure to get all your discounts

Companies offering auto insurance don’t necessarily list all their discounts in a way that’s easy to find, so the following is a list of some of the best known as well as the least known insurance savings.

  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could save 15% off your medical payments premium.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Homeowners Savings – Being a homeowner can save you money because owning a home shows financial diligence.
  • 55 and Retired – Mature drivers may be able to get a small decrease in premiums for Grand Am insurance.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you may save up to 20% off your total premium.
  • Paperwork-free – Certain companies will give a small break just for signing your application digitally online.
  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less for Grand Am insurance than less cautious drivers.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Student in College – Kids in college who are attending college without a vehicle on campus may be able to be covered for less.

Keep in mind that some credits don’t apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates you would end up receiving a 100% discount, you’re out of luck.

A partial list of companies that possibly offer these benefits may include but are not limited to:

Double check with each insurance company which discounts you may be entitled to. Some discounts might not apply in your area.

How do I know if I need professional advice?

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

For example, these questions might point out if your insurance needs might need an agent’s assistance.

  • How much liability do I need to cover my assets?
  • Should I have a commercial auto policy?
  • Why is insurance for a teen driver so high?
  • Do I need replacement cost coverage on my 1992 Pontiac Grand Am?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I better off with higher deductibles on my 1992 Pontiac Grand Am?
  • Am I covered when driving on a suspended license?
  • Should I bundle my homeowners policy with my auto?
  • Why am I required to buy high-risk coverage?
  • Should I have combined single limit or split liability limits?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form.

Coverages available on your policy

Understanding the coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from getting keyed, hitting a deer and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability

This can cover damage that occurs to people or other property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like funeral expenses, structural damage and court costs. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, X-ray expenses, hospital visits and ambulance fees. They are used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision protection

This pays for damage to your Grand Am caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a building, scraping a guard rail, driving through your garage door, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.