1997 Pontiac Grand Am Insurance Quotes – 8 Ideas for Cheaper Rates

Trying to find the cheapest auto insurance rates for your Pontiac Grand Am? Are you tired of trying to scrape together enough money to buy car insurance? You’re in the same situation as millions of other consumers.

Companies like State Farm, Progressive and GEICO all claim big savings, bombarding you with ad campaigns and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

It’s a great practice to take a look at other company’s rates yearly since insurance rates are usually higher with each renewal. If you had the best price for Grand Am coverage on your last policy you will most likely find a better rate today. So just forget all the misinformation about auto insurance because you’re going to learn the things you must know in order to remove unneeded coverages and save money.

If you have car insurance now, you will most likely be able to save some money using this strategy. Buying car insurance is not that difficult. But vehicle owners do need to understand the methods companies use to sell insurance online and take advantage of how the system works.

Auto Insurance Prices

Effectively comparing auto insurance prices can be challenging if you don’t utilize the most efficient way. You could waste time driving to insurance agencies in your area, or you can stay home and use the internet to maximize your effort.

Most car insurance companies belong to a marketplace where insurance shoppers complete one form, and at least one company returns a rated price. This eliminates the need for quotation requests for each company you want a rate for.

To fill out one form to compare multiple rates now click here to start a free quote.

The only drawback to getting quotes like this is you can’t choose which providers to receive prices from. So if you prefer to choose individual companies to compare rates, we have a listing of the cheapest auto insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just double check that you are using exactly the same coverage limits for every company. If each company quotes unequal deductibles or liability limits you can’t possibly truly determine the lowest rate. Quoting even small variations in coverages may cause a big price difference. And when comparison shopping, quoting more provides better odds of finding the best rates.

Save $488 a year? Really?

Insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads on TV and radio. They all seem to make the same claim that you can save if you move to their company. But how can every company say the same thing? This is how they do it.

All the different companies have a preferred profile for the type of driver they prefer to insure. For instance, a desirable insured might be a mature driver, owns a home, and has great credit. A customer that hits that “sweet spot” will get very good rates and as a result will probably save quite a bit of money when switching.

Consumers who do not match the requirements will be charged a more expensive rate and ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” but not “drivers who get quotes” save that much. That is how insurance companies can confidently claim big savings.

That is why it is so important to compare many company’s rates. It’s impossible to know which insurance companies will have the lowest Pontiac Grand Am insurance rates.

Discounts are great for lower rates

Insuring your vehicles can cost a lot, but there could be available discounts to reduce the price significantly. Some discounts apply automatically when you quote, but some may not be applied and must be inquired about in order for you to get them.

  • New Vehicle Savings – Insuring a new car is cheaper compared to insuring an older model.
  • Clubs and Organizations – Being a member of a qualifying organization is a good way to get lower rates on your policy for Grand Am coverage.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy life insurance.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • Defensive Driver – Taking a driver safety course could cut 5% off your bill if you qualify.
  • Drivers Education – Have your child enroll in driver’s education in school.
  • 55 and Retired – Older drivers can possibly qualify for reduced rates for Grand Am coverage.
  • Sign Online – Some insurance companies will give a small break simply for signing digitally online.

Keep in mind that most discount credits are not given to your bottom line cost. A few only apply to individual premiums such as comp or med pay. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way. But any discount will help reduce the cost of coverage.

Insurance companies that may have these benefits include:

Check with all companies you are considering how you can save money. Some discounts might not apply everywhere.

You may need specialized coverage

When buying the right insurance coverage for your vehicles, there is no cookie cutter policy. Each situation is unique so your insurance should reflect that These are some specific questions can aid in determining if you would benefit from professional advice.

  • Is a fancy paint job covered?
  • Do I need an umbrella policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What can I do if my company denied a claim?
  • Should I buy additional glass protection?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Car insurance coverage information

Learning about specific coverages of insurance helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages offered by insurance companies.

Collision insurance

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like driving through your garage door, hitting a mailbox, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 1997 Pontiac Grand Am.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive auto coverage

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a bird, rock chips in glass, damage from flooding and hitting a deer. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance

This will cover injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s 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. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as emergency aid, medical expenses, legal defense fees, loss of income and structural damage. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses for things like nursing services, chiropractic care, doctor visits and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Spend less. Save more.

Budget-conscious 1997 Pontiac Grand Am insurance is available on the web as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who don’t offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

When you buy insurance online, do not buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

More detailed insurance coverage information can be read in these articles: