Compare 2001 Pontiac Grand Am Car Insurance Quotes

Searching for better insurance rates for your Pontiac Grand Am? Locating better insurance prices for your Pontiac Grand Am can normally be an all-consuming task, but you can learn our insurance buying tips to find lower rates. There are more efficient ways to compare insurance rates so you’re going to learn the best way to get price quotes for your Pontiac and find the best price possible from both online companies and local agents.

It is always a good idea to check insurance prices occasionally because prices are usually higher with each renewal. Despite the fact that you may have had the lowest price for Grand Am insurance a couple years back you may be paying too much now. Starting right now, block out anything you think you know about insurance because I’m going to teach you the proper way to properly buy coverages and cut your premium.

Finding affordable coverage is not that difficult. If you are insured now or are just looking to switch companies, you can learn to shop for the lowest rates and possibly find even better coverage. Drivers only need an understanding of the most effective way to get comparison rates online.

Save money by taking advantage of these discounts

Companies do not advertise every discount in a way that’s easy to find, so we researched both well-publicized and also the lesser-known car insurance savings. If you aren’t receiving every discount available, you are throwing money away.

  • Homeowners Savings – Simply owning a home may earn you a small savings because owning a home requires personal responsibility.
  • Lower Rates for Military – Having a family member in the military could mean lower rates.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for reduced rates for Grand Am insurance.
  • Memberships – Affiliation with a qualifying organization is a good way to get lower rates when shopping for car insurance for Grand Am insurance.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% for Grand Am insurance with a few car insurance companies.
  • Bundle and Save – When you combine your home and auto insurance with one company you may earn 10% to 20% off each policy.
  • Multiple Cars – Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
  • Discount for Swiching Early – Select companies give a discount for switching policies before your current expiration date. The savings is around 10%.

Drivers should understand that some credits don’t apply to all coverage premiums. Most cut the price of certain insurance coverages like comp or med pay. Even though it may seem like you could get a free car insurance policy, you’re out of luck.

Companies who might offer these discounts may include but are not limited to:

Check with each insurance company how you can save money. Some discounts may not be available everywhere.

The quickest way to compare car insurance rates is to know the trick most larger insurance companies participate in online systems to compare rate quotes. The one thing you need to do is give them rating details like coverage limits, how many miles driven, if you are currently licensed, and if a SR-22 is needed. The rating information is instantly submitted to all major companies and they return rate quotes immediately.

Complexity of Pontiac Grand Am insurance rates

Consumers need to have an understanding of some of the elements that help determine auto insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that could result in better auto insurance rates.

  • Lower rates come with age – Older drivers tend to be more responsible, tend to cause fewer accidents and receive fewer citations. Teenage drivers tend to be careless and easily distracted behind the wheel therefore auto insurance rates are much higher.
  • Higher deductibles cost less – Deductibles for physical damage represent how much money you are required to spend out-of-pocket in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims could be colliding with a building, vandalism, and burglary. The higher the amount you’re willing to pay, the bigger discount you will receive for Grand Am insurance.
  • Your job and insurance rates – Careers like doctors, business owners and accountants have higher rates than average in part from job stress and long work hours. On the flip side, occupations like actors, athletes and retirees get better rates for Grand Am insurance.
  • Safer cars are cheaper to insure – Safer cars can get you lower premiums. Safer cars protect occupants better and lower injury rates translates into savings for insurance companies and thus lower rates. If the Pontiac Grand Am has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Lower rates with optional equipment – Owning a car that has an advanced theft prevention system can help lower your rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.
  • Your spouse saves you money – Having a spouse can get you a discount when buying auto insurance. Marriage is viewed as being more mature than a single person and it’s statistically proven that being married results in fewer claims.
  • Consolidate policies to earn discounts – Many insurance companies give discounts to customers who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to shop around to ensure the best deal.
  • Your location is important – Residing in a rural area is a positive aspect when buying auto insurance. Fewer people means fewer accidents as well as less vandalism and auto theft. City drivers tend to have more traffic problems and longer commutes to work. Longer commute distances can result in more accidents.

When should I use an insurance agent?

When buying adequate coverage for your vehicles, there is no one size fits all plan. Each situation is unique.

These are some specific questions can help discover whether your personal situation would benefit from professional advice.

  • Why am I required to buy high-risk coverage?
  • Does coverage extend to Mexico or Canada?
  • What is PIP insurance?
  • I don’t drive much so do I pay less?
  • Does coverage extend to a rental car in a foreign country?
  • Can I afford to pay high deductible claims out of pocket?
  • When can my company non-renew my policy?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Slick advertising tricks that work

Consumers can’t ignore all the ads for cheaper car insurance from the likes of State Farm and Allstate. They all seem to have a common claim of big savings after switching your coverage to them.

How does each company make almost identical claims?

All the different companies are able to cherry pick for the driver they prefer to insure. An example of a driver they prefer could possibly be between the ages of 30 and 50, is a homeowner, and has a high credit rating. A driver who meets those qualifications is entitled to the best price and as a result will probably save when they switch companies.

Potential customers who are not a match for these standards must pay more money which usually ends up with business not being written. Company advertisements say “customers who switch” not “people who quote” save money. This is how companies can advertise the way they do. This illustrates why you absolutely need to get a wide range of price quotes. It’s not possible to predict which company will have the lowest Pontiac Grand Am insurance rates.

Educate yourself about auto insurance coverages

Learning about specific coverages of your policy can be of help when determining appropriate coverage for your vehicles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as falling objects, damage from flooding, fire damage, vandalism and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

This coverage pays for damage to your Grand Am resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as scraping a guard rail, backing into a parked car, crashing into a ditch, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Pontiac Grand Am.

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

Liability coverage

Liability insurance can cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against things such as structural damage, pain and suffering, legal defense fees and funeral expenses. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills like rehabilitation expenses, hospital visits and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Make a quick buck

Affordable 2001 Pontiac Grand Am insurance is available from both online companies and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. Some companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Insureds switch companies for a number of reasons such as delays in responding to claim requests, questionable increases in premium, high prices or even being labeled a high risk driver. No matter why you want to switch, switching insurance coverage companies can be easy and end up saving you some money.

When you buy insurance online, do not skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. Your strategy should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

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