View 1994 Pontiac Grand Am Car Insurance Rates

Looking for lower insurance coverage rates for your Pontiac Grand Am? When shopping for cheaper insurance, are you frustrated by the number of insurance coverage companies in your area? people have so many choices that it is a real challenge to find the best rates.

Smart consumers take time to take a look at other company’s rates once or twice a year because prices change frequently. Just because you found the lowest quotes for Grand Am coverage a few years ago there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the fastest way to find better rates and still maintain coverage.

The method we recommend to compare rates utilizes the fact most of the larger companies participate in online systems to compare rate quotes. All consumers are required to do is provide a small amount of information such as if you’re married, if a SR-22 is needed, how many miles driven, and whether your vehicle is owned or leased. Your rating data gets sent immediately to insurance carriers in your area and they return rate quotes quickly.

Auto insurance discounts are available to slash your rates

Not many people think insurance is cheap, but you might find some hidden discounts that you may not even know about. A few discounts will be applied when you purchase, but once in a while a discount must be manually applied in order for you to get them.

• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy a life insurance policy as well.
• Homeowners Discount – Owning a home can save a few bucks because maintaining a house is proof that your finances are in order.
• Senior Citizen Rates – Drivers over the age of 55 may receive a slight reduction on a insurance coverage quote for Grand Am coverage.
• Distant Student Discount – Any of your kids who attend college more than 100 miles from home and do not have a car could get you a discount.
• Discounts for Federal Employees – Active or retired federal employment could qualify for a slight premium decrease for Grand Am coverage depending on your company.
• Discount for Low Mileage – Keeping the miles down on your Pontiac can earn lower prices due to less chance of an accident.
• New Car Discount – Putting coverage on a new car can get you a discount compared to insuring an older model.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. The majority will only reduce individual premiums such as comprehensive or collision. If you do the math and it seems like you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

Some of the larger companies that may have these money-saving discounts include:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

Before buying, ask every insurance company how you can save money. Some credits might not be offered on policies in your area. To see a list of insurance companies with discount auto insurance rates, follow this link.

Everyone needs different auto insurance coverages

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

Here are some questions about coverages that can aid in determining whether your personal situation might need an agent’s assistance.

• Do I have coverage when pulling a U-Haul trailer?
• What if I don’t agree with a claim settlement offer?
• When should I not file a claim?
• At what point should I drop full coverage?
• Should I have combined single limit or split liability limits?
• Do I need more liability coverage?
• I have a DUI can I still get coverage?
• Should I get collision insurance on every vehicle?
• Do I get a pro-rated refund if I cancel my policy early?
• Does my personal policy cover me when driving out-of-state?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.

Insurance specifics

Learning about specific coverages of a insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from flooding, hitting a deer, theft, a broken windshield and rock chips in glass. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical costs insurance – Med pay and PIP coverage kick in for immediate expenses for surgery, pain medications, rehabilitation expenses, X-ray expenses and prosthetic devices. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision coverage – Collision coverage covers damage to your Grand Am from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as damaging your car on a curb, crashing into a ditch, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your 1994 Pontiac Grand Am.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Liability coverage – Liability coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is 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 claims like structural damage, funeral expenses, court costs and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.