Looking for better car insurance rates for your Pontiac Grand Am? Overpriced Pontiac Grand Am insurance can empty your checking account and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to tighten up your finances. Numerous car insurance companies battle to insure your vehicles, and because of this it can be hard to compare insurers and uncover the absolute lowest rate
If you have a current auto insurance policy or need a new policy, you can learn to find the best rates and possibly find even better coverage. Finding the best rates is quite easy. Vehicle owners only need to know the best way to get comparison quotes online.
Performing a rate comparison is a ton of work if you don’t utilize the most efficient way. You could waste time talking about coverages with insurance companies in your area, or you could use online quotes to get rate comparisons in just a few minutes.
The majority of car insurance companies are enrolled in a marketplace where insurance shoppers enter their policy data once, and at least one company can give them a price based on that information. This saves time by eliminating quotation requests for each company.
To participate in this free quote system, click here to start a free quote.
The only downside to getting quotes like this is you don’t know exactly which carriers to get pricing from. So if you want to select specific providers to compare prices, we have a page of insurance companies in your area. Click here for list of insurance companies.
Which method you use is up to you, but make sure you use the exact same coverage limits and deductibles for each comparison quote. If you compare different values for each quote it will be next to impossible to determine which rate is truly the best.
When choosing adequate coverage, there really is not a single plan that fits everyone. Every situation is different so your insurance should reflect that Here are some questions about coverages that may help you determine if your insurance needs could use an agent’s help.
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.
Learning about specific coverages of car insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages offered by car insurance companies.
Coverage for liability – This can cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from claims by other people, 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. As an example, you may have liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability can pay for things such as court costs, structural damage, emergency aid and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.
Comprehensive insurance – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as hitting a deer, vandalism and falling objects. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 1993 Pontiac Grand Am.
Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like X-ray expenses, rehabilitation expenses, chiropractic care, ambulance fees and prosthetic devices. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible
Collision – This coverage pays for damage to your Grand Am resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for things such as sustaining damage from a pot hole, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.