1993 Pontiac Grand Am Car Insurance Cost – 7 Ways to Save

Looking for better car insurance rates for your Pontiac Grand Am? Being forced to pay for overpriced car insurance premiums can overdraw your personal savings and possibly require postponing other expenditures. Doing a rate comparison can save money and help to reduce premiums and put more money in your pocket.

People have so many insurance companies to purchase coverage from, and though it is a good thing to be able to choose, so many choices can make it hard to find the lowest rates.

How to buy auto insurance online

Finding a better price on auto insurance is a great way to save money. All you need to do is spend a few minutes on the computer to compare free car insurance quotes to find. This can easily be done by following the guidelines below.

• The recommended way to get quotes for comparison is a comparison rater form (click to open form in new window). This method prevents you from having to do multiple quote forms for each company you want a rate for. A single form will get you rate comparisons from multiple companies.
• A harder way to get comparison quotes is to manually visit each company website and fill out a new quote form. For example, we’ll pretend you want to compare Liberty Mutual, Geico and Allstate. To do that, you would have to spend time going to each site individually and punch in your information repeatedly, which is why most consumers use the first method.

  For a list of links to insurance companies in your area, click here.

The method you choose is up to you, but be sure you’re using equivalent coverages and limits with each company. If you use unequal deductibles or liability limits it will be impossible to find the best deal for your Pontiac Grand Am.

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More discounts mean lower-cost premiums

Buying insurance is not cheap, but there could be significant discounts that may help make it more affordable. Some trigger automatically at quote time, but some must be asked about before you get the savings.

• Discount for Good Grades – This discount can get you a discount of up to 25%. The good student discount can last up to age 25.
• Multi-line Discount – Not all insurance carriers offer life insurance, but some may give you a discounted price on car insurance if you buy auto and life insurance together.
• Early Payment Discounts – By paying your entire bill at once instead of making monthly payments you can avoid the installment charge.
• Multiple Vehicles – Drivers who insure primary and secondary vehicles with one company qualifies for this discount.
• Sign Early and Save – Select larger companies give a discount for switching policies early. It can save you around 10%.
• Low Mileage Discounts – Keeping the miles down on your Pontiac can earn lower prices due to less chance of an accident.
• Safe Driver Discount – Insureds without accidents can save as much as half off their rates for Grand Am coverage than drivers with accidents.

It’s important to note that most of the big mark downs will not be given the the whole policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like having all the discounts means you get insurance for free, insurance companies aren’t that generous.

A partial list of companies that may have these discounts may include but are not limited to:

• AAA
• Progressive
• State Farm
• Esurance
• Nationwide

When getting free car insurance quotes, it’s a good idea to each insurance company which credits you are entitled to. Some of the earlier mentioned discounts might not apply everywhere. If you would like to view insurance companies who offer free insurance quotes, click here.

It’s not one size fits all

When buying adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For example, these questions might help in determining if your insurance needs would benefit from professional advice.

• Do I have coverage if my license is suspended?
• When should my teen driver be added to my policy?
• What are the best liability limits?
• Should I file a claim if it’s only slightly more than my deductible?
• How can I get high-risk coverage after a DUI?
• Do I need replacement cost coverage?
• Can I afford to pay high deductible claims out of pocket?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Well known brands might not be cheapest

Consumers can’t get away from ads that claim the cheapest prices from the likes of State Farm and Allstate. All the companies say the same thing that you’ll save big if you move your insurance coverage coverage to their company.

Is it even possible that every company can claim to save you money?

Many companies provide the lowest rates for the type of driver that will add to their bottom line. For example, a profitable risk profile may need to be a mature driver, insures multiple vehicles, and has great credit. A propective insured that hits that “sweet spot” will get very good car insurance rates and will save a lot if they switch.

Insureds who do not meet the “perfect” profile will see higher prices and this results in the customer not purchasing. The ads state “customers who switch” not “everyone that quotes” save the amount stated. This is how companies can advertise the savings. This really illustrates why you need to get as many free car insurance quotes as possible. It is impossible to predict with any certainty which company will fit you best based on your risk profile.

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Specific coverage details

Understanding the coverages of auto insurance can be of help when determining the right coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and reading a policy is terribly boring. These are typical coverages available from auto insurance companies.

Liability coverages – Liability insurance can cover damage or injury you incur to other people or property in an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

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

Liability coverage pays for claims like emergency aid, attorney fees, loss of income and medical services. How much coverage you buy is a personal decision, but buy higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like rehabilitation expenses, funeral costs, X-ray expenses and doctor visits. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like falling objects, hail damage, rock chips in glass and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with another moving vehicle, hitting a mailbox and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Final thoughts

In this article, we presented a lot of information how to get a better price on 1993 Pontiac Grand Am insurance. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the lowest prices are with a smaller regional carrier. Regional companies may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

When shopping online for insurance coverage, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where an insured dropped full coverage to discover at claim time that they should have had better coverage. Your objective should be to purchase plenty of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Cheap 1993 Pontiac Grand Am insurance is available online and from local insurance agents, so you should compare both to have the best rate selection. Some insurance providers don’t offer rates over the internet and usually these smaller companies work with local independent agencies.

Additional learning opportunities

• Safety Belts FAQ (iihs.org)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)

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