View 1996 Pontiac Grand Am Insurance Quotes

Have you had enough of not being able to scrape enough together to make your insurance coverage payment? Your situation is no different than many other consumers. Multiple insurance companies compete for your business, so it’s not easy to compare every insurance company and get the definite cheapest price

It’s important to take a look at other company’s rates at least once a year because rates are variable and change quite frequently. If you had the lowest premium rates for Grand Am coverage two years ago you can probably find a lower rate today. You can find a lot of misleading information regarding insurance coverage online but in this article, you’re going to get some excellent ideas to slash your insurance coverage rates.

Affordable insurance

There are a lot of ways to shop for insurance, and some are more efficient than others. You could waste a few hours driving to local insurance agents in your area, or you can utilize the web to get rates in a matter of minutes.

Many insurance companies take part in a program where insurance shoppers send in one quote, and every company can give them a price based on that data. This saves time by eliminating repetitive form submissions to each individual insurance company.

To use this form to compare rates click here to start a free quote.

The only downside to doing it this way is you don’t know exactly the companies to get quotes from. So if you prefer to choose specific providers to compare rates, we have assembled a list of low cost insurance companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but be sure to compare nearly identical coverages and limits for every company. If you use different liability limits it will be very difficult to make a fair rate comparison.

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Pontiac Grand Am insurance costs can be more affordable

It’s important that you understand some of the things that go into determining the rates you pay for insurance. If you have some idea of what impacts premium levels, this empowers consumers to make smart changes that can help you get big savings. Multiple criteria are considered when premium rates are determined. Some of the criteria are obvious such as your driving history, although others are less apparent such as whether you are married and annual miles driven.

• Which gender costs less? – Over the last 30 years, statistics show that females tend to be a little less risky than males. This data doesn’t prove that males are worse at driving than females. Males and females tend to get into fender benders at a similar rate, but the male of the species tend to have more serious accidents. In addition to higher claims, males also receive more major tickets like reckless driving and DUI.
• Liability coverage is important – The liability section of your policy will protect you in the event that a jury decides you are liable for personal injury or accident damage. Your liability coverage provides legal defense coverage to defend your case. Liability insurance is quite affordable compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
• Age of drivers impacts prices – Mature drivers are more responsible, tend to file fewer claims and receive fewer citations.Teenage drivers are statistically proven to be careless and easily distracted when driving with friends so insurance rates are higher.
• High coverage deductibles save money – Comprehensive and collision coverage deductibles are how much you are willing to pay if a covered claim is submitted. Physical damage protection, also called comprehensive and collision insurance, protects your car from damage. Some examples of covered claims are a windshield broken by a bird, damage from fire, and having a roll-over accident. The more money you choose to pay out-of-pocket, the better rate you will receive for Grand Am coverage.
• Married people drive safer – Having a spouse may save some money on your insurance bill. Having a spouse may mean you are more mature and insurance companies like that married drivers tend to file fewer claims.
• Safer cars cost less to insure – Safe vehicles tend to have lower insurance rates. The safest vehicles result in less severe injuries and better occupant protection means your insurance company pays less and thus lower rates.

These discounts can cut insurance rates

Car insurance companies don’t necessarily list the entire discount list very clearly, so we researched some of the best known and also the more inconspicuous ways to save on insurance.

• Military Deployment Discount – Being on active duty in the military could qualify you for better prices.
• Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% for Grand Am coverage with certain companies.
• Discount for Good Grades – Getting good grades could provide a savings of up to 20% or more. The discount lasts up until you turn 25.
• Discount for Passive Restraints – Factory options such as air bags or automatic seat belts can receive discounts of 25 to 30%.
• Buy New and Save – Buying a new car instead of a used car is cheaper because new model year vehicles are generally safer.

Drivers should understand 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. So when it seems like you could get a free insurance policy, you won’t be that lucky.

A list of companies and a partial list of their discounts can be found below.

• State Farm offers discounts for Drive Safe & Save, defensive driving training, passive restraint, good driver, and student away at school.
• Geico offers discounts including seat belt use, five-year accident-free, federal employee, military active duty, and anti-lock brakes.
• Allstate discounts include good payer, economy car, anti-theft, 55 and retired, new car, and eSmart discount.
• SAFECO offers premium reductions for bundle discounts, accident prevention training, drive less, teen safety rewards, and anti-lock brakes.
• Farm Bureau has discounts for multi-vehicle, safe driver, driver training, multi-policy, good student, and 55 and retired.
• Progressive policyholders can earn discounts including online signing, homeowner, online quote discount, good student, multi-vehicle, continuous coverage, and multi-policy.
• AAA has savings for multi-policy, AAA membership discount, pay-in-full, good driver, multi-car, education and occupation, and good student.

If you are trying to find cheap auto insurance quotes, ask each company to apply every possible discount. A few discounts may not apply to policies in your area. If you would like to see a list of providers that provide some of the discounts listed above, click here.

When do I need an agent’s advice?

When choosing coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your situation would benefit from professional advice.

• Am I covered when driving someone else’s vehicle?
• Why am I required to get a high-risk car insurance policy?
• What if I don’t agree with a claim settlement offer?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Do I need an umbrella policy?
• Is my state a no-fault state?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

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Information about specific coverages

Having a good grasp of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages available from insurance companies.

Insurance for medical payments – Med pay and PIP coverage pay for immediate expenses for dental work, X-ray expenses, rehabilitation expenses and funeral costs. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Pontiac Grand Am.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage – Collision insurance pays for damage to your Grand Am resulting from a collision 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 colliding with a tree, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a deer, theft, a tree branch falling on your vehicle, rock chips in glass and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability – This will cover damage that occurs to people or other property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: 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 means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like repair bills for other people’s vehicles, legal defense fees, court costs, emergency aid and structural damage. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

More quotes mean more savings

We just presented many ways to save on 1996 Pontiac Grand Am insurance. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers may even find the biggest savings come from a lesser-known regional company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.

As you prepare to switch companies, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find for the lowest cost and still be able to protect your assets.

Affordable 1996 Pontiac Grand Am insurance can be purchased from both online companies in addition to many insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance companies do not provide rates over the internet and these small, regional companies only sell through independent agencies.

To learn more, take a look at the following helpful articles:

• How do I File a Claim? (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)
• Older Drivers FAQ (iihs.org)
• State Car Insurance Guides (Geico)
• Child Safety Seats (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)

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