Lower Your 1990 Pontiac Grand Am Insurance Quotes

Trying to find better insurance rates for your Pontiac Grand Am? Trying to come up with a payment for high-priced insurance can bleed your funds and put the squeeze on your family’s finances. Comparing rate quotes is a smart way to cut your insurance bill.

Numerous insurers battle to insure your vehicles, so it can be very hard to choose a insurer to get the best rate

It’s a great practice to compare prices as often as possible because insurance rates change quite often. Despite the fact that you may have had the lowest rate on Grand Am coverage on your last policy the chances are good that you can find a lower price today. Forget anything you know (or think you know) about insurance because you’re going to learn one of the easiest ways to lower your annual insurance bill.

Lower rate quotes by taking advantage of discounts

Car insurance is expensive, but you might already qualify for some discounts to cut the cost considerably. Some of these disounts will be visible at the time of quoting, but some need to be manually applied in order for you to get them. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

• Early Signing – A few car insurance companies offer discounts for switching companies early. Ten percent is about the average savings.
• Resident Student – Older children who live away from home at college and won’t have access to an insured vehicle may be able to be covered for less.
• Defensive Driver Discount – Completing a defensive driver course could earn you a small percentage discount and also improve your driving technique.
• No Claims – Drivers who stay claim-free pay less when compared with drivers with a long claim history.
• ABS and Traction Control Discounts – Vehicles that have steering control and anti-lock brakes are much safer to drive and will save you 10% or more.
• Service Members Pay Less – Being on active duty in the military could mean lower car insurance rates.
• Senior Citizen Rates – Drivers over the age of 55 may qualify for reduced rates on Grand Am coverage.
• Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way.

Companies who might offer these money-saving discounts are:

• Geico
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

When quoting, ask each company or agent which discounts you may be entitled to. Some of the earlier mentioned discounts might not apply in your area. To view insurance companies who offer free car insurance quotes, click this link.

Compare car insurance rate quotes online

Shopping for lower car insurance rates can be challenging if you don’t understand the most efficient way to do it. You can waste a lot of time discussing policy coverages with agents in your area, or you could save time and use the web to get rates in a matter of minutes.

Many insurance companies participate in a marketplace where prospective buyers enter their policy data once, and each participating company then returns a price quote. This prevents consumers from doing form submissions for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The one downside to pricing coverage this way is you cannot specify the providers you will receive quotes from. If you would rather choose individual companies to receive pricing from, we have a listing of low cost car insurance companies in your area. Click here to view list.

Whichever method you choose, do your best to enter the exact same coverage data for each quote you get. If you use differing limits it will be nearly impossible to truly determine the lowest rate.

How much insurance do I need?

When choosing the best insurance coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might point out if your situation will benefit from professional help.

• How does medical payments coverage work?
• Does insurance cover tools stolen from my truck?
• Should I file a claim if it’s only slightly more than my deductible?
• Should I have combined single limit or split liability limits?
• Does insurance cover damages from a DUI accident?
• Do I have coverage when pulling a U-Haul trailer?
• Is my 1990 Pontiac Grand Am covered for smoke damage?
• Will my rates increase for filing one claim?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area. It is quick, free and can help protect your family.

Insurance coverage specifics

Understanding the coverages of your insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.

Liability insurance

Liability insurance protects you from injuries or damage you cause to a person or their property by causing an accident. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

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. As an example, you may have liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as medical services, loss of income, medical expenses, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like damaging your car on a curb, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also raise the deductible to bring the cost down.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills such as prosthetic devices, surgery, rehabilitation expenses and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Pontiac Grand Am.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, damage from getting keyed, fire damage and hitting a deer. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Shop. Compare. Save.

Budget-friendly car insurance is available on the web in addition to many insurance agents, so you need to shop insurance coverage with both to have the best selection. Some companies may not have online price quotes and these regional carriers only sell coverage through local independent agents.

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed uninsured motorist or liability limits only to regret they didn’t have enough coverage. Your strategy should be to buy enough coverage at a price you can afford but still have enough coverage for asset protection.

To learn more, feel free to visit these articles:

• Event Data Recorders FAQ (iihs.org)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Auto Insurance Learning Center (State Farm)
• Safety Belts FAQ (iihs.org)