1991 Pontiac Le Mans Insurance Quotes – 6 Ways to Save

Trying to find low-cost insurance for your Pontiac Le Mans can be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to find auto insurance online and you need to know the quickest way to compare rates for a Pontiac and find the lowest price either online or from local insurance agents.

Insurance Discounts

Auto insurance companies don’t necessarily list every policy discount in an easy-to-find place, so the list below contains a few of the more well known as well as the least known credits available to bring down your rates.

• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to buckle their seat belts could cut 10% or more off the PIP or medical payment premium.
• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy some life insurance in addition to your auto policy.
• Accident Waiver – This one is not really a discount per se, but a few companies such as Progressive, State Farm and Geico may permit one accident before hitting you with a surcharge if you are claim-free for a specific time period.
• Student Discount for Driver Training – It’s a good idea to have your young drivers take driver’s ed class if offered at their school.
• Multiple Cars – Purchasing coverage when you have all your vehicles on one policy may reduce the rate for each vehicle.
• Fewer Miles Equal More Savings – Driving less may enable drivers to earn lower prices on the low mileage vehicles.

Please keep in mind that some credits don’t apply to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, you’re out of luck.

To see a list of providers that offer some of these discounts, click here to view.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining whether your personal situation might need professional guidance.

• How many claims can I have before being cancelled?
• Are split liability limits better than a combined single limit?
• How can I force my company to pay a claim?
• Will my rates increase for filing one claim?
• Can I make deliveries for my home business?
• What if I owe more than I can insure my car for?
• Do I pay less for low miles?
• Am I covered if I break a side mirror?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

The coverage is in the details

Having a good grasp of your policy can help you determine appropriate coverage and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Collision coverage – This pays for damage to your Le Mans caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, colliding with a tree, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Liability auto insurance – Liability insurance can cover damage or injury you incur to other people or property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like medical services, pain and suffering, structural damage and legal defense fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Pontiac Le Mans.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually these limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision) – This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, hitting a deer and damage from flooding. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like rehabilitation expenses, doctor visits, prosthetic devices, ambulance fees and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Final thoughts

Insureds leave their current company for any number of reasons including an unsatisfactory settlement offer, questionable increases in premium, denial of a claim and even unfair underwriting practices. It doesn’t matter what your reason, switching car insurance companies is actually quite simple.

Some companies may not have the ability to get a quote online and many times these regional insurance providers only sell coverage through independent insurance agencies. Budget-friendly car insurance can be purchased on the web and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from.

When buying insurance coverage, do not reduce needed coverages to save money. There are too many instances where someone dropped liability limits or collision coverage only to discover later they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest cost and still be able to protect your assets.

Additional detailed information is available in the articles below:

• Get the Right Protection (InsureUonline.org)
• Anti-Lock Brake FAQ (iihs.org)
• Collision Coverage (Liberty Mutual)
• Auto Theft Statistics (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Auto Insurance Basics (Insurance Information Insitute)