1995 Pontiac Grand Am Insurance Cost

Searching for low-cost insurance for a Pontiac Grand Am could be an all-consuming task, but you can learn our insurance buying tips and make it easy.

There are more efficient ways to find insurance online so we’re going to tell you the quickest way to compare rates for your Pontiac and get the lowest possible price from both online companies and local agents.

Consumers should take time to check insurance prices before your policy renews since insurance prices are variable and change quite frequently. Even if you got the best quotes on Grand Am insurance a year ago a different company probably has better rates today. There are a lot of ways to save on insurance on the web, but I’m going to show you some great ways to slash your insurance rates.

Buying affordable protection can be fairly easy. If you have a policy now or need new coverage, you can follow these tips to get lower rates and possibly find even better coverage. Drivers only need an understanding of the most efficient way to compare prices online.

How to compare free insurance quotes

Finding cheap 1995 Pontiac Grand Am insurance rates is actually quite simple. All that’s required is to take time comparing price quotes to see which company has cheaper car insurance quotes. This can easily be done by following the guidelines below.

One of the best ways to find low rates is an all-inclusive rate comparison like this one (opens in new window). This type of form eliminates the need for repetitive form entry for each price estimate. One form submission will get you rate comparisons direct from many companies. This is by far the quickest method.

A slightly less efficient method to find lower rates requires a visit to each company’s website and request a quote. For example, let’s assume you want to compare Auto-Owners, Liberty Mutual and Progressive. To get rate quotes you would need to visit each site and enter your information, which can get old fast. To view a list of companies in your area, click here.

If you have time to kill, the last way to shop rates is to spend time driving to all the different insurance agencies. Quoting online reduces the need to sit down with an agent unless you want the professional abilities of a local agent. However, consumers can obtain prices from the web and have a local agent actually service the policy.

Which method you use is up to you, but make sure you use identical information for every quote you compare. If you have mixed coverages it will be nearly impossible to truly determine the lowest rate.

Insurance discounts are available to cut your rates

Insurance is neither fun to buy or cheap, but companies offer discounts that could drop your premiums quite a bit. Certain reductions will be credited at quote time, but some must be specially asked for before being credited.

  • Professional Memberships – Affiliation with specific professional or occupational memberships or organizations could qualify you for a break on your next insurance statement.
  • Distant Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Defensive Driver Discounts – Passing a safe driver course could cut 5% off your bill if you qualify.
  • Fewer Miles Equal More Savings – Driving less could earn cheaper rates.
  • Good Students Pay Less – Performing well in school could provide a savings of up to 20% or more. This discount can apply up to age 25.
  • Bundle and Save – When you have multiple policies with one company you will save up to 20% off your total premium.
  • Homeowners Discount – Owning your own home or condo can earn you a little savings because of the fact that having a home is proof that your finances are in order.

Policy discounts save money, but most of the big mark downs will not be given to the entire cost. Most only apply to individual premiums such as comp or med pay. Even though the math looks like you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount will bring down your insurance premiums.

To find companies that have a full spectrum of discounts, click this link.

Everyone needs different insurance coverages

When choosing the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions can aid in determining if you might need professional guidance.

  • Does my insurance cover my expensive audio equipment?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I have a commercial auto policy?
  • What companies insure drivers after a DUI or DWI?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I missing any policy discounts?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Parts of your insurance policy

Learning about specific coverages of a insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive insurance

This pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, a tree branch falling on your vehicle and falling objects. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for expenses for things like doctor visits, rehabilitation expenses, chiropractic care, pain medications and X-ray expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance

This provides protection from damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things such as emergency aid, pain and suffering, repair costs for stationary objects, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Pontiac Grand Am.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for collisions

This will pay to fix damage to your Grand Am from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a parking meter, backing into a parked car and crashing into a building. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comments About 1995 Pontiac Grand Am Insurance

  1. Felipa Mitchell

    Liked the article. Live in the southern part of Aurora, Colorado. I quoted with Progressive, GMAC, and Encompass for my Grand Am and I think I saved about $20 each month. I get a discount for insuring multiple vehicles. They offer free online rate quotes.

  2. Phillis Edwards

    Nice post. I’m in Kansas City, KS. I compared lots of rates. Saved darn near $20 a month. Progressive was the cheapest for me. Not sure if rates are cheaper online or not.

  3. Emory Barton

    Corporate greed I’m telling you. Live in the southern part of Jersey City, NJ. I don’t recall every quote but I ended up saving about $30 each month. Left Western Auto Insurance to switch.

  4. Arie Mooney

    Checking in from Worcester, MA. Received rates from GMAC, Amica, Mercury, and a couple others for my Grand Am and saved $117 a year. Left Esurance to switch. Have a couple speeding tickets too. Highly recommended.

  5. Shanon Garrison

    I live just to the north of Buffalo, NY. Got car insurance quotes with Safeco, Encompass, GEICO, and Amica for my Pontiac and I’m now saving $13 a month. Thankfully I’m not a high risk driver.

  6. Carmelo Garrison

    Lifelong resident of Virginia Beach, VA. Quoted with AIG Insurance, Mercury, and USAA for my Pontiac and am saving around $60 a year. They offer free online rate quotes. When should I drop full coverage?

  7. Audria Lara

    I can’t pay high rates. I live just to the south of Raleigh, NC. Received quotes with Nationwide, Encompass, State Farm, and AAA for my Grand Am and saved about $70 a year. Was with MetLife. Just go online and compare their rates.

  8. Russell Benton

    Proud to be from Atlanta, GA. I quoted with Travelers, AIG Insurance, Hartford, and Nationwide for my Pontiac and saved $114 a year. Ask about discounts.

  9. Helaine Becker

    Affordable car insurance is a myth. I’m in the suburbs of Colorado Springs, Colorado. I got free quotes with Hartford, Amica, Nationwide, and a couple others for my 1995 Pontiac Grand Am and saved $83 a year. Left Safeco to switch. Bought it from an online quote.

  10. Neva Sanchez

    I got decent rates for a 1995 Pontiac Grand Am in Memphis, TN. Ended up at about $90 every six months with AAA. I have several vehicles insured with them. Book value doesn’t justify full coverage anymore.

  11. Refugio English

    I’ve had Allstate for years. I’m in Colorado Springs, Colorado.

  12. Ronnie Bauer

    I live in a small town just outside of Augusta, GA. Got car insurance quotes with GEICO, AAA, and Eastwood for my 1995 Pontiac Grand Am and I’m now saving $11 a month. Was with Farmers.

  13. Sharice Gilbert

    In Fairbanks, Alaska, State Farm auto insurance rates for my 1995 Pontiac Grand Am were good. Left Esurance to switch. Get lots of quotes to find the best rate.

  14. Roberto Murphy

    Progressive and Allstate had the best prices I found in North Carolina.

  15. Dirk Reese

    From Fairbanks, AK. Checked online prices for a 1995 Pontiac Grand Am. Ended up at about $70 savings annually. Went with 21st Century. Was with Eastwood. :P

  16. Wanita Holt

    21st Century was cheapest for my 1995 Pontiac Grand Am in Dover, DE.