Compare 1993 Pontiac Grand Am Insurance Quotes

If you are new to online car insurance, chances are good that you are overwhelmed thanks to the vast number of insurers offering insurance.

It is always a good idea to take a look at other company’s rates quite often because car insurance prices are adjusted regularly by insurance companies. If you had the best deal for Grand Am coverage at your last renewal there is a good chance you can find better rates now. There is a lot of bad information regarding car insurance on the web, but I’m going to show you some proven techniques to lower your car insurance premiums.

Discounts to earn cheaper insurance coverage rates

Insurance coverage is not cheap nor is it fun to buy but there could be significant discounts to help bring down the price. A few discounts will be applied at the time of purchase, but occassionally some discounts must be manually applied before you get the savings.

• Discount for Multiple Policies – When you combine your homeowners and auto insurance and insure them both with the same insurance company you may save up to 20% off your total premium.
• Government Employee Discount – Federal government employees can save as much as 8% for Grand Am coverage depending on your company.
• Multiple Cars – Insuring multiple cars or trucks on a single policy qualifies for this discount.
• Good Grades Discount – This discount may save you up to 25%. The discount lasts until age 25.
• Driver Training Discounts – Passing a course in defensive driving could possibly earn you a 5% discount and make you a better driver.
• Own a Home – Just owning your own home can save you money because it demonstrates responsibility.
• Service Members Pay Less – Being on active deployment in the military could trigger a small discount.
• Braking Control Discount – Vehicles with ABS and/or traction control can avoid accidents and will save you 10% or more.
• Payment Method – By paying your policy upfront rather than spreading payments over time you can actually save on your bill.
• Data Collection Discounts – Insureds who allow their insurance coverage company to scrutinize driving habits by using a telematic data system such as Progressive’s Snapshot might get better premium rates if their driving habits are good.

Just know that many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as comp or med pay. Even though the math looks like you would end up receiving a 100% discount, it’s just not the way it works.

A list of companies and a partial list of their discounts are:

• American Family may offer discounts for Steer into Savings, good student, defensive driver, mySafetyValet, and multi-vehicle.
• Nationwide offers premium reductions for easy pay, anti-theft, defensive driving, family plan, business or organization, and multi-policy.
• MetLife has savings for good driver, good student, defensive driver, multi-policy, and claim-free.
• 21st Century discounts include anti-lock brakes, air bags, early bird, theft prevention, good student, automatic seat belts, and driver training.
• Farmers Insurance has discounts for electronic funds transfer, business and professional, good student, teen driver, mature driver, and homeowner.
• Allstate may have discounts that include new car, premier discount, auto/life discount, anti-theft, and EZ pay plan discount.

If you need lower rates, check with all companies you are considering which discounts can lower your rates. All car insurance discounts may not apply to policies in every state. To choose companies that offer the discounts shown above, follow this link.

The fastest way that we advise to compare rate quotes is to know the fact all the major auto insurance companies provide online access to give free rates quotes. To start a quote, the only thing you need to do is give the companies some data including types of safety features, how many miles driven, if you lease or own, and if you went to college. Your rating data is instantly submitted to multiple different insurance companies and you receive quotes immediately.

Tailor your insurance coverage to you

When it comes to choosing coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions can aid in determining whether or not you will benefit from professional help.

• I have good health insurance, so how much medical payments coverage do I need?
• Is my 1993 Pontiac Grand Am covered for flood damage?
• Do I have coverage for damage caused while driving under the influence?
• Who is covered by my policy?
• Should I have combined single limit or split liability limits?
• Does car insurance cover theft of personal property?
• Do I need more liability coverage?
• Should I sign the liability waiver when renting a car?
• Is motorclub coverage worth it?
• Can my babysitter drive my car?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.

Insurance policy specifics

Having a good grasp of your insurance policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Liability auto insurance

This coverage protects you from damage or injury you incur to people or other property. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like medical services, repair costs for stationary objects, loss of income and funeral expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision insurance

Collision insurance covers damage to your Grand Am resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like scraping a guard rail, sideswiping another vehicle, crashing into a building, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills such as nursing services, funeral costs, X-ray expenses and dental work. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like fire damage, damage from a tornado or hurricane and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Pontiac Grand Am.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Buy Smart and Save

Consumers who switch companies do it for any number of reasons including questionable increases in premium, denial of a claim, policy cancellation or policy non-renewal. No matter why you want to switch, switching insurance companies is actually quite simple.

More affordable insurance is definitely available both online and with local insurance agents, so you should compare both to have the best rate selection. Some insurance companies may not have the ability to get quotes online and these regional carriers only sell through independent insurance agents.

As you go through the steps to switch your coverage, don’t be tempted to buy poor coverage just to save money. There are too many instances where someone dropped liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at the best cost while not skimping on critical coverages.

Even more information can be found at these sites:

• Crash Avoidance Technologies FAQ (iihs.org)
• Cellphones, Texting and Driving (iihs.org)
• Top Signs Your Brakes are Giving Out (State Farm)
• Comprehensive Coverage (Liberty Mutual)