1992 Pontiac Grand Am Insurance Rates

As is typical with insurance, some of the credits will not apply to the overall cost of the policy. Most cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Insurance companies who may offer these benefits are:

• State Farm
• Nationwide
• Geico
• AAA
• 21st Century
• The Hartford

Double check with each company which discounts you may be entitled to. Some credits may not be offered everywhere. If you would like to view car insurance companies with discount car insurance rates, click here to view.

Quote car insurance online

To find cheap prices, there are a couple of ways of comparing rate quotes from lots of car insurance companies. The easiest way to find cheaper 1992 Pontiac Grand Am rates involves getting comparison quotes online. This can be accomplished in a couple minutes as outlined below.

1. The easiest and least time consuming way to find low rates is an all-inclusive rate comparison (click to open form in new window). This style of form saves time by eliminating repetitive form entry to each individual car insurance company. In just a few minutes this one form compares rates instantly. Recommended for those who want to invest the least amount of time.
2. Another way to shop for car insurance online consists of going to each company website to request a price quote. For example, let’s say you want to compare prices for Auto-Owners, Liberty Mutual and Progressive. You would be required to take the time to go to each site and enter your information, which is not fast way to get rate quotes. To view a list of companies in your area, click here.
3. If you have time to kill, the last way to get comparison rates is going to insurance agents’ offices. Quoting online reduces the need to sit down with an agent unless you require the peace of mind of a local agent. However, consumers can comparison shop your insurance online but buy from a local insurance agent.

Whichever way you choose to compare rates, try to use the exact same coverage data for each price quote. If you have different coverage information it’s not possible to find the best deal for your Pontiac Grand Am. Just slight variations in insurance coverages could mean much higher rates. Just keep in mind that comparing a wide range of rates increases your odds of finding a better price. Not every company does rate quotes online, so you should also compare price quotes from them as well.

Four tips to get more affordable insurance rates

Many factors are used in the calculation when premium rates are determined. Some of the criteria are obvious like an MVR report, but other criteria are not quite as obvious like your vehicle usage or your vehicle rating.

The factors shown below are a few of the things used by your company to calculate rates.

• Multiple policies with one company can save – Lots of insurance companies will give discounts to customers that purchase more than one policy in the form of a multi-policy discount. Even though this discount sounds good, you still need to compare other company rates to help guarantee you have the best rates.
• Filing policy claims can increase rates – If you tend to file frequent claims, you shouldn’t be surprised to get higher premiums or even policy non-renewal. Car insurance companies give the lowest premiums to insureds who are not frequent claim filers. Insurance coverage is designed for larger claims.
• Guys pay more for insurance coverage – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. However, this does not mean males are worse at driving than females. Women and men tend to get into accidents in similar numbers, but the male of the species cause more damage. Men also tend to get cited for more serious violations like reckless driving and DUI. Males from age 16 to 21 are several times more likely to be in an accident and therefore have the most expensive car insurance rates.
• Save money with alarms and GPS tracking – Owning a car with a theft deterrent system can help bring down rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.

How do I know if I need professional advice?

When it comes to choosing the best insurance coverage, there is no “best” method to buy coverage. Each situation is unique.

For instance, these questions might point out if you could use an agent’s help.

• Am I better off with higher deductibles on my 1992 Pontiac Grand Am?
• Is upholstery damage covered by car insurance?
• Am I covered if I hit my neighbor’s mailbox?
• Exactly who is provided coverage by my policy?
• Is business property covered if stolen from my car?
• Is business equipment covered while in my vehicle?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Smaller companies may have the best rates

Well-known car insurance companies like 21st Century, Allstate and State Farm endlessly run ads on TV and radio. All the companies advertise the message about how much you will save just by switching your policy. How do they all offer drivers better rates? This is how they do it.

All the different companies have a certain “appetite” for the driver that earns them the most money. One example of this type of driver could be between 25 and 40, carries high limits, and insures a new vehicle. Any customer who fits those characteristics will most likely get cheap auto insurance rates and is almost guaranteed to cut their rates substantially.

Consumers who may not quite match this stringent profile will probably have to pay a higher premium which results in the prospect going elsewhere. The ads say “people that switch” not “everybody who quotes” save that much money. This is how companies can truthfully make claims like that.

Because every company is different, drivers should get price quotes at each policy renewal. Because you never know which car insurance company will fit your personal profile best.

Insurance coverage specifics

Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, hitting a deer, damage from getting keyed and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as pain medications, nursing services and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1992 Pontiac Grand Am.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Liability auto insurance

Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as repair costs for stationary objects, medical expenses, legal defense fees, structural damage and bail bonds. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Collision coverage protection

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a parking meter, crashing into a ditch, crashing into a building, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Saving money is sweet as honey

Throughout this article, we presented many ways to get a better price on 1992 Pontiac Grand Am insurance. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. Drivers may discover the lowest priced insurance comes from an unexpected company.

While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. In too many instances, drivers have reduced liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your goal is to buy a smart amount of coverage at an affordable rate and still be able to protect your assets.

Cost effective 1992 Pontiac Grand Am insurance is possible online as well as from insurance agents, so you should compare both to get a complete price analysis. A few companies do not offer rates over the internet and these regional insurance providers provide coverage only through independent agents.

To read more, take a look at the following helpful articles:

• How do I File a Claim? (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)
• How to Avoid Common Accidents (State Farm)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)