1999 Pontiac Grand Am Insurance Rates

Searching for cheaper insurance coverage rates for your Pontiac Grand Am? No one in their right mind fancies paying their premiums for insurance coverage, especially knowing the cost is way too high.

Multiple insurers compete to insure your vehicles, so it’s not easy to compare every insurance company to find the absolute best rate

It’s smart to shop coverage around quite often since insurance prices are usually higher with each renewal. Despite the fact that you may have had the lowest rate on Grand Am coverage a year ago a different company probably has better premium rates today. Ignore everything you know about insurance coverage because you’re going to learn the easiest way to save money, get proper coverage and the best rates.

The fastest way that we advise to get rate comparisons is to take advantage of the fact most larger insurance companies allow for online access to give free rates quotes. All consumers are required to do is provide a small amount of information including how your vehicles are used, if you require a SR-22, daily mileage, and how much school you completed. That information is instantly sent to multiple companies and you should receive rate quotes within a short period of time.

To compare multiple company rates now, click here and find out if lower rates are available.

Discounts for affordable insurance coverage quotes

Auto insurance companies don’t necessarily list all available discounts very clearly, so here is a list a few of the more well known as well as some of the hidden discounts that you can inquire about if you buy insurance online.

• Distant College Student Discount – College-age children who live away from home to go to college and don’t have a car could get you a discount.
• No Claims – Drivers with accident-free driving histories have much lower rates as compared to bad drivers.
• Include Life Insurance and Save – Some insurance carriers give lower insurance coveragerates if you buy life insurance.
• Seat Belt Usage – Drivers who require all vehicle occupants to use a seat belt could save 15% on medical payment and PIP coverage.
• Good Students Pay Less – Being a good student can get you a discount of up to 25%. The discount lasts until age 25.
• Defensive Driving Course – Completing a course teaching safe driver skills could cut 5% off your bill and make you a better driver.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, that’s just not realistic. Any qualifying discounts will help reduce your policy cost.

A few popular companies and a selection of discounts are outlined below.

• Farm Bureau has discounts for 55 and retired, driver training, multi-vehicle, good student, renewal discount, youthful driver, and safe driver.
• MetLife offers premium reductions for accident-free, multi-policy, good driver, claim-free, defensive driver, and good student.
• Progressive offers discounts including multi-vehicle, continuous coverage, multi-policy, online signing, good student, homeowner, and online quote discount.
• AAA may have discounts that include good student, AAA membership discount, multi-policy, anti-theft, multi-car, and education and occupation.
• American Family includes discounts for good driver, air bags, accident-free, multi-vehicle, early bird, defensive driver, and Steer into Savings.
• Geico offers discounts for defensive driver, emergency military deployment, driver training, multi-policy, and seat belt use.
• State Farm has savings for good driver, multiple autos, multiple policy, safe vehicle, driver’s education, student away at school, and anti-theft.

If you need lower rates, check with all companies you are considering what discounts are available to you. Some discounts may not apply to policyholders in your state. If you would like to choose from a list of insurance coverage companies who offer insurance coverage discounts, click here to view.

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Learn how to get insurance at a discount

Multiple criteria are considered when pricing auto insurance. Some of the criteria are obvious such as your driving record, but other criteria are less obvious such as whether you are married or how safe your car is.

Shown below are some of the major factors used by companies to determine prices.

• Job can influence premiums – Jobs such as fire fighters, business owners and financial analysts generally pay higher premiums than the average policyholder due to stressful work requirements and long work days. Conversely, jobs such as scientists, students and the unemployed have the lowest average rates on Grand Am coverage.
• Add-on coverages can add up – There are many additional coverages that you can buy but may not be useful. Coverages like rental car reimbursement, accidental death, and extra life insurance coverage are some examples. These coverages may sound good at first, but if you have no use for them remove them from your policy.
• Gender and car insurance – Statistics have proven that females take fewer risks when driving. It does not mean men are worse drivers. They both are responsible for fender benders in similar numbers, but the males tend to have higher claims. Not only are claims higher, but men have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.
• File a policy claims and pay more – If you frequently file small claims, don’t be surprised to see higher rates. Insurance companies award the lowest premiums to policyholders who do not file claims often. Your car insurance is designed for larger claims.
• More annual miles equals more premium – The higher the mileage driven each year the more you’ll pay to insure it. A lot of companies charge to insure your cars based upon how much you drive. Autos not used for work or commuting can get a lower rate than cars that get driven a lot. Make sure your policy states the correct usage for each vehicle. An incorrectly rated Grand Am may be costing you higher rates.
• Alarms and GPS tracking lowers insurance rates – Choosing to buy a car with a theft deterrent system can get you a discount on your insurance. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent auto theft and help lower rates.
• Premiums are lower the older you get – Teenage drivers tend to be inattentive behind the wheel so insurance rates are higher. If you’ve ever had to add a inexperienced driver to your insurance policy can really hurt. Mature drivers are proven to be safer behind the wheel, tend to cause fewer accidents and are safer drivers.
• Never go without insurance – Having an insurance coverage lapse will be a quick way to drive up your policy premiums. Not only will you pay more, failure to provide proof of insurance could result in fines or a revoked license. You will then be forced to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.

You may need specialized auto insurance coverage

When it comes to choosing coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions might help in determining whether your personal situation could use an agent’s help.

• Does my 1999 Pontiac Grand Am need full coverage?
• Is my Pontiac Grand Am covered if I use it for business?
• Does my policy cover me when driving someone else’s vehicle?
• Is my state a no-fault state?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Is rental equipment covered for theft or damage?
• Are rental cars covered under my policy?
• Who is covered by my policy?
• Is extra glass coverage worth it?
• Am I covered if I wreck a rental car?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Learn about insurance coverages for a Pontiac Grand Am

Learning about specific coverages of insurance can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are the normal coverages available from insurance companies.

Comprehensive coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, damage from flooding, theft, vandalism and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills such as chiropractic care, dental work and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Coverage for liability

This provides protection from damage that occurs to other’s property or people that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values 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 a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like medical expenses, repair costs for stationary objects, funeral expenses and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Pontiac Grand Am.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.

Collision coverage

Collision insurance pays for damage to your Grand Am caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

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Spend less. Save more.

When buying insurance coverage, never reduce needed coverages to save money. In too many instances, someone sacrificed liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at an affordable rate.

We just showed you a lot of ways to shop for 1999 Pontiac Grand Am insurance online. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may be surprised to find that the best rates are with a small mutual company. These companies may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

Additional detailed information is available in the articles below:

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Airbag FAQ (iihs.org)
• Prom Night Tips for Teen Drivers (State Farm)

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