1996 Pontiac Grand Am Insurance Rates – 7 Savings Tips

Are you a victim of an underperforming, overpriced auto insurance policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out. There are many auto insurance companies to pick from, and although it’s a good thing to be able to choose, having more insurance companies makes it harder to compare rates and find the lowest cost auto insurance.

It’s smart to compare rates on a regular basis because prices trend upward over time. Just because you had the best deal for Grand Am coverage last year the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the things you must know in order to find the best coverage while lowering your premiums.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these tips. Drivers only need to know the tricks to compare company rates over the internet.

Compare the Market for Car Insurance

All the larger car insurance companies such as Allstate and Progressive quote insurance quotes directly from their websites. Getting quotes is quite simple as you simply enter the amount of coverage you want into the quote form. After you submit the form their rating system automatically orders your credit score and driving record and generates pricing information based on many factors. Online quotes streamlines rate comparisons, but having to visit multiple sites and complete many quote forms can be a bit repetitive. But it is imperative to compare as many rates as possible if you want to find better car insurance pricing.

An easier way to compare car insurance pricing is to use a quote form that analyzes rates from a bunch of companies at once. It saves time, eliminates repetitive work, and makes rate comparisons a lot less work. Immediately after you send the form, your coverage is rated and you can choose any or none of the quote results. If the quotes result in lower rates, you can click and sign and purchase coverage. The whole process just takes a couple of minutes and can result in significant savings.

If you want to find out if lower rates are available, click here to open in a new tab and submit the form. If you have a policy now, it’s recommended you type in the coverages identical to your current policy. This guarantees you will receive an apples-to-apples comparison for the exact same coverage.

Can you really save that much by switching?

Consumers constantly see and hear ads for cheaper car insurance by Allstate and Progressive. They all say the same thing that you’ll save big if you switch to their company.

How do they all make almost identical claims?

Different companies have a preferred profile for the type of driver that earns them a profit. An example of a preferred risk could possibly be a mature driver, owns a home, and drives newer vehicles. Any driver that hits that “sweet spot” will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who don’t measure up to the requirements will be quoted a higher premium which usually ends up with the customer not buying. The ads say “customers that switch” not “everybody who quotes” save that much. That’s why companies can truthfully state the savings. This emphasizes why you need to get as many quotes as possible. It’s just too difficult to predict which insurance companies will give you the biggest savings on Pontiac Grand Am insurance.

Take these seven discounts and save

Companies offering auto insurance do not list every available discount very well, so we break down some of the more common and the more hidden savings tricks you should be using. If you don’t get every credit available, you are paying more than you should be.

  • No Charge for an Accident – Certain companies allow you one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Driver Safety – Successfully completing a defensive driving course could save 5% or more if your company offers it.
  • 55 and Retired – Mature drivers may receive better insurance coverage rates for Grand Am coverage.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Grand Am coverage than drivers with accident claims.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class in high school.
  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount for Grand Am coverage with a few insurance coverage companies.
  • Good Student Discount – Performing well in school can save 20 to 25%. This discount can apply up until you turn 25.

It’s important to understand that some of the credits will not apply to the entire policy premium. Most cut individual premiums such as comprehensive or collision. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way.

For a list of companies with the best insurance coverage discounts, click here to view.

Which policy gives me the best coverage?

When it comes to buying the best car insurance coverage for your vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions may help highlight whether your personal situation may require specific advice.

  • Do I need special endorsements for business use of my vehicle?
  • Is motorclub coverage worth it?
  • What can I do if my company won’t pay a claim?
  • Can I rent a car in Mexico?
  • What is the difference between comprehensive and collision coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need replacement cost coverage on my 1996 Pontiac Grand Am?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Auto insurance coverage specifics

Understanding the coverages of auto insurance aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average auto insurance policy.

Collision protection

Collision coverage pays for damage to your Grand Am resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as driving through your garage door, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, rock chips in glass, hitting a deer, damage from a tornado or hurricane and falling objects. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Pontiac Grand Am.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability auto insurance

Liability coverage provides protection from damage that occurs to other’s property or people. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like attorney fees, loss of income and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP pay for bills such as EMT expenses, ambulance fees and doctor visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Cheaper insurance is a realistic goal

We’ve covered many tips how you can lower your 1996 Pontiac Grand Am insurance rates. The most important thing to understand is the more companies you get rates for, the higher your chance of finding lower rates. Consumers could even find that the lowest priced auto insurance comes from a small local company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.

Cost effective insurance can be bought online as well as from independent agents, and you should compare price quotes from both to have the best selection. Some companies don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

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