2000 Pontiac Grand Am Insurance Cost

Are you a victim of an overpriced auto insurance policy? Believe me when I say you’re not the only one.

Multiple auto insurance companies compete for your insurance dollar, and it can be difficult to compare rates to discover the definitive best rate

The best way we recommend to compare insurance rates in your area utilizes the fact most of the bigger providers participate in online systems to give free rates quotes. All you need to do is provide the companies a bit of rating information such as daily mileage, whether you are married, your job, and the ages of drivers. The rating information is automatically sent to insurance carriers in your area and they return rate quotes instantly.

Verify you’re getting all your discounts

Auto insurance companies do not list all their discounts very well, so here is a list some of the more common and the more hidden savings tricks you should be using.

  • Student in College – Youth drivers living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Homeowners Pay Less – Being a homeowner can help you save on auto insurance because of the fact that having a home demonstrates responsibility.
  • Accident Waiver – A few companies permit an accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • No Accidents – Claim-free drivers can save substantially compared to drivers who are more careless.

It’s important to understand that some of the credits will not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

To see a list of providers offering auto insurance discounts, click here.

When should I talk to an agent?

When choosing adequate coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that might point out if your insurance needs might need an agent’s assistance.

  • Do I need rental car coverage?
  • Why does it cost so much to insure a teen driver?
  • When should I drop full coverage on my 2000 Pontiac Grand Am?
  • What is high-risk coverage and where do I buy it?
  • What is an SR-22 filing?
  • Is business property covered if stolen from my car?
  • When does my teenage driver need to be added to my policy?
  • Do I pay less for low miles?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Learn about insurance coverages for a 2000 Pontiac Grand Am

Understanding the coverages of your insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages available from insurance companies.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, backing into a parked car, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Pontiac Grand Am.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, theft, vandalism and hitting a bird. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for short-term medical expenses for things like chiropractic care, surgery and ambulance fees. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

Liability insurance will cover damage or injury you incur to people or other property. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers claims like medical services, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

More effort can pay off

Budget-conscious 2000 Pontiac Grand Am insurance can be purchased online as well as from independent agentsinsurance , and you need to price shop both to get a complete price analysis. There are still a few companies who don’t offer online quoting and these smaller companies work with independent agents.

In this article, we presented some good ideas how to save on insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the best price on insurance is with some of the lesser-known companies. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate, GEICO and Progressive.

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