Compare 1998 Pontiac Grand Am Car Insurance Rates

Want cheaper car insurance rates? Drivers have options when trying to find affordable Pontiac Grand Am insurance. They can either spend hours calling around to compare prices or leverage the internet to get rate quotes.

There is a better way to shop for car insurance and you need to know the proper way to quote coverages for a Pontiac and get the lowest price from local insurance agents and online providers.

If you have insurance now or are shopping for new coverage, you can use these tips to find the best rates while maximizing coverage. This article will tell you how car insurance quotes work. Drivers only need to know the most efficient way to find the lowest price on the web.

Drivers can save with these premium-slashing discounts

Some insurance providers don’t always publicize every disount available in a way that’s easy to find, so we break down some of the best known as well as some of the hidden credits that may apply to you. If you are not receiving all the discounts you qualify for, you are throwing money away.

• Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
• Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems help deter theft and will save you 10% or more.
• Service Members Pay Less – Being on active deployment in the military may qualify for rate reductions.
• Low Mileage – Maintaining low annual mileage may allow you to get slightly better premium rates than normal.
• Save with More Vehicles Insured – Buying coverage for multiple cars or trucks with the same car insurance company can get a discount for every vehicle.
• Organization Discounts – Being in qualifying clubs or civic groups could qualify you for a break when shopping for car insurance.
• Full Payment Discount – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.

Consumers should know that most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. Even though the math looks like having all the discounts means you get insurance for free, it just doesn’t work that way.

Some of the larger companies that have these money-saving discounts include:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

Before you buy a policy, ask each company or agent to apply every possible discount. A few discounts may not apply to policies in your area. To find car insurance companies with significant discounts, click here.

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How to get free insurance quotes online

There are multiple methods to shop for insurance, but some are more efficient than others. You could waste time discussing policy coverages with local insurance agents in your area, or you can stay home and use the internet to maximize your effort.

Most of the larger companies participate in an industry program where insurance shoppers send in one quote, and at least one company returns a competitive quote. This system prevents you from having to do quote forms for each company.

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

The single downside to using this type of system is you are unable to specify the providers to get pricing from. So if you prefer to choose specific insurance companies to compare, we put together a list of insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just make sure you compare the exact same information with every price quote. If each company quotes mixed coverages you will not be able to determine which company has the best rates.

Do I need special coverages?

When it comes to buying adequate coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions can aid in determining whether you might need an agent’s assistance.

• What are the best liability limits?
• I have good health insurance, so how much medical payments coverage do I need?
• Am I covered when driving on a suspended license?
• What is roadside assistance coverage?
• Does coverage extend to my business vehicle?
• What is the difference between comprehensive and collision coverage?
• If my 1998 Pontiac Grand Am is totaled, can I afford another vehicle?
• How high should my uninsured/underinsured coverage be in my state?
• What is medical payments coverage?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverage details

Having a good grasp of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Liability coverages – This coverage can cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as legal defense fees, loss of income, court costs, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from flooding, damage from a tornado or hurricane, falling objects and rock chips in glass. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverages – Collision coverage will pay to fix damage to your Grand Am resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with a tree, crashing into a building, backing into a parked car, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, 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 similar to your liability insurance amounts.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for expenses like prosthetic devices, rehabilitation expenses, surgery and ambulance fees. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

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Pennies from heaven

As you go through the steps to switch your coverage, don’t be tempted to buy less coverage just to save a little money. Too many times, someone sacrificed collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to purchase a proper amount of coverage at an affordable rate, but do not skimp to save money.

Drivers change insurance companies for any number of reasons including lack of trust in their agent, extreme rates for teen drivers, questionable increases in premium or even policy cancellation. No matter why you want to switch, switching auto insurance companies is easier than you think.

You just learned a lot of techniques to save on 1998 Pontiac Grand Am insurance. The key thing to remember is the more companies you get prices for, the more likely it is that you will get a better rate. Drivers may discover the best price on auto insurance is with an unexpected company.

Additional information

• How do I File a Claim? (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Red Light Cameras (State Farm)

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