1994 Pontiac Grand Am Car Insurance Quotes – 5 Savings Tips

Finding low cost prices on Driversauto insurance can be nearly impossible for drivers new to online rate comparisons. You have so many choices that it can quickly become more work than you anticipated to compare rates.

If you currently have car insurance, you will most likely be able to cut costs considerably using these tips. Shopping for the best protection is not that difficult. But car owners do need to understand the way insurance companies sell insurance online and take advantage of how the system works.

Compare car insurance rates

Shopping for lower car insurance rates is a ton of work if you don’t utilize the most efficient way to do it. You could waste a few hours talking to agents in your area, or you could use the web to accomplish the same thing much quicker.

Most of the larger companies participate in an industry program where insurance shoppers send in one quote, and each company then returns a price quote based on the submitted data. This prevents consumers from doing quote requests to every company. To access this free quoting program, click here to start a free quote.

The only drawback to using this type of form is that consumers can’t choose which companies to get pricing from. If you wish to select specific providers to request quotes from, we have a listing of companies who write car insurance in your area. View list of insurance companies.

The method you choose is up to you, but be sure to compare identical coverage data on every price quote you get. If you use different data it will be next to impossible to find the best deal for your Pontiac Grand Am. Having just a slight variation in limits could throw off the whole comparison. And when comparing car insurance rates, know that having more price comparisons will increase your chances of finding a lower rate.

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Get cheap auto insurance quotes with discounts

Some providers don’t necessarily list the entire discount list in an easy-to-find place, so we break down both well-publicized and the harder-to-find discounts that may be available.

• Service Members Pay Less – Having an actively deployed family member could be rewarded with lower prices.
• Theft Deterent System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will save you 10% or more.
• Full Payment Discount – If paying your policy premium upfront instead of making monthly payments you can avoid monthly service charges.
• Seat Belts Save – Drivers who require all vehicle occupants to use their safety belts could save 15% off the medical payments premium.
• Defensive Driver Discounts – Taking part in a defensive driver class can save you 5% or more depending on where you live.

It’s important to understand that some of the credits will not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way. But any discount will bring down your auto insurance premiums.

A list of auto insurance companies and some of the discounts are detailed below.

• Geico offers discounts including multi-vehicle, emergency military deployment, military active duty, daytime running lights, air bags, anti-lock brakes, and seat belt use.
• Auto-Owners Insurance offers premium reductions for student away at school, safe driver, safe vehicle, paperless, company car, and group or association.
• American Family has savings for multi-vehicle, good driver, TimeAway discount, good student, bundled insurance, and accident-free.
• Esurance has discounts for emergency road assistance, homeowner, paid-in-full, Switch & Save, and defensive driver.
• Progressive policyholders can earn discounts including multi-vehicle, multi-policy, continuous coverage, homeowner, online signing, online quote discount, and good student.
• State Farm may offer discounts for good driver, defensive driving training, anti-theft, Drive Safe & Save, and accident-free.
• AAA offers discounts for AAA membership discount, multi-policy, pay-in-full, anti-theft, and good driver.

When quoting, ask every company what discounts are available to you. Discounts may not apply to policies in your area. To choose insurers with the best discounts, click here.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage, there is no best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that might help in determining whether you might need an agent’s assistance.

• I have a DUI can I still get coverage?
• Can I rate high risk drivers on liability-only vehicles?
• Can I afford low physical damage deductibles?
• Should I drop comprehensive coverage on older vehicles?
• Do I need more liability coverage?
• Will my rates increase for filing one claim?
• Am I covered if I crash into my own garage door?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form.

Car insurance policy specifics

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision protection

This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like damaging your car on a curb, colliding with a tree, rolling your car, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical expense insurance

Med pay and PIP coverage kick in for bills for chiropractic care, funeral costs, nursing services and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, damage from flooding and theft. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Liability coverage

This can cover injuries or damage you cause to other people or property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims like medical services, structural damage and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

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Summing up your car insurance search

Consumers leave their current company for any number of reasons including delays in responding to claim requests, high prices, lack of trust in their agent or extreme rates for teen drivers. It doesn’t matter what your reason, switching car insurance companies is less work than it seems.

Low-cost 1994 Pontiac Grand Am insurance is definitely available both online in addition to local insurance agencies, so you should be comparing quotes from both to have the best rate selection. Some car insurance companies may not offer internet price quotes and most of the time these regional insurance providers only sell coverage through local independent agents.

You just read a lot of techniques to lower your 1994 Pontiac Grand Am insurance rates. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Consumers may even find the most savings is with an unexpected company.

For more information, link through to these articles:

• Vehicle Size and Weight FAQ (iihs.org)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Information for Teen Drivers (Geico)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)

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