1991 Pontiac Grand Am Insurance Quotes – 10 Tricks for Best Rates

Searching for better insurance coverage rates for your Pontiac Grand Am? Having to pay for pricey insurance coverage can diminish your savings and make it impossible to make ends meet. Consumers have so many car insurance companies to choose from, and although it’s a good thing to have multiple companies, having more insurance companies makes it harder to find the best rates for your vehicles.

Choosing the best insurance company for you is not rocket science. If you currently have a car insurance policy, you will most likely be able to save some money using this information. Drivers just need to learn the most efficient way to get comparison quotes over the internet.

Ways to get insurance rate quotes

There are a variety of methods you can shop for insurance but one way is more efficient than others. You can waste hours talking to insurance companies in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

Many insurance companies enroll in a system where insurance shoppers submit one quote, and each company can provide price quotes based on the submitted data. This prevents consumers from doing form submissions for every insurance company. To access this free quoting program, click here to start a free quote.

One minor caviat to using this type of system is that you can’t choose the companies to get quotes from. So if you prefer to choose individual companies for rate comparison, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but be certain you are entering the same quote data with every price quote. If you compare mixed coverages it’s impossible to determine the best price for your Pontiac Grand Am.

Discounts can really help to save

Companies that sell car insurance don’t always advertise every disount available in an easy-to-find place, so we researched some of the best known and the harder-to-find ways to save on auto insurance.

• Defensive Driving Course – Completing a course that instructs on driving safety could earn you a small percentage discount and also improve your driving technique.
• Multi-policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of up to 20% off your total premium.
• Responsible Driver Discounts – Insureds who avoid accidents could pay up to 40% less on Grand Am coverage than their less cautious counterparts.
• Multiple Cars – Buying a policy with all your vehicles on a single policy could earn a price break for each car.
• Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on Grand Am coverage but check with your company.
• Anti-theft System – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
• Active Military Service – Having an actively deployed family member can result in better rates.
• No Claim Discounts – Claim-free drivers can earn big discounts when compared with insureds who have frequent claims or accidents.
• Discount for Swiching Early – Some companies provide a discount for switching policies before your current policy expires. You may see this discount when you get insurance quotes online.
• Anti-lock Brake System – Cars that have anti-lock braking systems prevent accidents so companies give up to a 10% discount.

You can save money using discounts, but most credits do not apply to the entire cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think you would end up receiving a 100% discount, nobody gets a free ride. Any qualifying discounts will bring down the amount you pay for coverage.

Companies and their possible discounts are shown below.

• State Farm has discounts for defensive driving training, Steer Clear safe driver discount, multiple autos, good student, Drive Safe & Save, good driver, and passive restraint.
• Geico offers premium reductions for daytime running lights, driver training, emergency military deployment, anti-theft, and multi-vehicle.
• SAFECO offers discounts including drive less, bundle discounts, teen safe driver, accident prevention training, and multi-car.
• Farmers Insurance has savings for pay in full, multi-car, teen driver, distant student, alternative fuel, business and professional, and mature driver.
• AAA offers discounts for multi-policy, pay-in-full, multi-car, anti-theft, and good student.
• USAA includes discounts for multi-policy, defensive driver, annual mileage, new vehicle, and driver training.

When quoting, ask all the companies which credits you are entitled to. Some of the earlier mentioned discounts may not be offered in your area. To find insurers who offer online auto insurance quotes, click here to view.

Will just any policy work for me?

When buying proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions may help highlight if your situation might need professional guidance.

• Do I pay less if my vehicle is kept in my garage?
• Do I need an umbrella policy?
• Will I lose any money if I cancel my policy before it expires?
• Is motorclub coverage worth it?
• How do I buy GAP insurance?
• Does insurance cover tools stolen from my truck?
• Does my policy cover my teen driver if they drive my company car?
• What if I owe more than I can insure my car for?
• How much can I save by bundling my policies?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Car insurance coverage specifics

Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages found on the average car insurance policy.

Auto collision coverage

This will pay to fix damage to your Grand Am resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a ditch, driving through your garage door, scraping a guard rail, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability auto insurance

This will cover injuries or damage you cause to other people or property. This insurance protects YOU from legal claims by others, and doesn’t cover 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. Your policy might show liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like emergency aid, medical services, attorney fees, funeral expenses and court costs. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for dental work, rehabilitation expenses and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto coverage

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a broken windshield, fire damage, hitting a deer, hail damage and theft. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Compare but don’t skimp

We’ve covered some good ideas how you can compare 1991 Pontiac Grand Am insurance car insurance rates online. It’s most important to understand that the more companies you get premium rates for, the more likely it is that you will get a better rate. You may be surprised to find that the lowest car insurance rates are with a company that doesn’t do a lot of advertising. These companies may only write in your state and offer lower premium rates compared to the large companies like Geico and State Farm.

Some insurance coverage companies don’t offer rates over the internet and usually these regional insurance providers sell through independent agents. Cheaper 1991 Pontiac Grand Am insurance is available from both online companies and from local insurance agents, so compare prices from both in order to have the best chance of saving money.

Much more information about insurance coverage can be found on the following sites:

• Bodily Injury Coverage (Liberty Mutual)
• Senior Drivers (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)
• Top Signs Your Brakes are Giving Out (State Farm)
• Distracted Driving Extends Beyond Texting (State Farm)