View 1992 Pontiac Le Mans Insurance Quotes

Are you a victim of an overpriced insurance policy? Believe me when I say there are a lot of people just like you who feel imprisoned by their insurance policy. Many insurance companies vie for your insurance dollar, and it can be difficult to compare rates to discover the definitive lowest rate possible.

If you have a current insurance policy or are just looking to switch companies, you can use this information to shop for the lowest rates and possibly find even better coverage. Buying car insurance is not rocket science. Drivers only need an understanding of the most efficient way to compare company rates online.

Are you getting all your discounts?

Companies offering auto insurance don’t always advertise all available discounts very clearly, so here is a list both the well known as well as the least known ways to save on auto insurance. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Discount for Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
  • Homeowners Discount – Simply owning a home can help you save on auto insurance because of the fact that having a home is proof that your finances are in order.
  • Discount for Swiching Early – A few companies offer discounts for switching to them prior to your current policy expiration. The savings is around 10%.
  • Driver’s Ed – Require your teen driver to complete a driver education course in high school.
  • One Accident Forgiven – Some insurance companies will forgive one accident before your rates go up so long as you haven’t had any claims for a set time period.
  • No Claims – Drivers who don’t have accidents can save substantially compared to bad drivers.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Le Mans insurance than drivers with accidents.
  • Student in College – Any of your kids who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings up to 30%.

Keep in mind that many deductions do not apply to the entire cost. Most only apply to individual premiums such as collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, auto insurance companies aren’t that generous.

To see a list of companies with the best auto insurance discounts, click here.

When might I need an agent?

When choosing coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions can aid in determining if your insurance needs could use an agent’s help.

  • Does my personal policy cover me when driving out-of-state?
  • Is upholstery damage covered by car insurance?
  • Can I afford to buy a different vehicle if my 1992 Pontiac Le Mans is totaled?
  • Am I covered when driving a rental car?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • When would I need additional glass coverage?
  • Who is covered by my policy?

If you can’t answer 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 car insurance companies in your area. It is quick, free and may give you better protection.

Can you really save that much by switching?

Consumers can’t ignore all the ads that promise big savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim of big savings if you change your policy.

But how can every company make the same claim?

All companies are able to cherry pick for the type of driver that is profitable for them. An example of a profitable customer might be profiled as between 30 and 50, is a homeowner, and has excellent credit. Any new insured who meets those qualifications gets the lowest rates and most likely will save when they switch companies.

Consumers who are not a match for this ideal profile will have to pay higher prices which leads to the customer not buying. The ads say “drivers who switch” not “everyone that quotes” save that much. That is how insurance companies can confidently advertise the way they do. Because of the profiling, drivers should quote coverage with many companies. Because you never know which insurance companies will provide you with the cheapest Pontiac Le Mans insurance rates.

What car insurance coverages do you need?

Understanding the coverages of car insurance aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by car insurance companies.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for expenses for things like dental work, EMT expenses, X-ray expenses and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for liability – Liability insurance protects you from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers claims such as structural damage, loss of income, bail bonds and pain and suffering. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive auto coverage – This covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a deer, fire damage, falling objects and rock chips in glass. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverages – Collision coverage will pay to fix damage to your Le Mans caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a ditch, rolling your car, damaging your car on a curb, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

The best insurance company isn’t always the cheapest

Cost effective 1992 Pontiac Le Mans insurance can be sourced both online as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

When shopping online for car insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, an insured dropped full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy the best coverage you can find at a price you can afford while still protecting your assets.

Even more information is available at these sites: