If you’re shopping for more affordable insurance, are you baffled by the crazy number of auto insurance providers? Lot’s of other drivers are too. You have so many providers available that it can easily turn into a real hassle to locate the lowest rates.
It’s important to do price comparisons as often as possible because prices are constantly changing. Even if you got the lowest price for Grand Am coverage at your last renewal there may be better deals available now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to how to use online quotes to buy cheaper auto insurance.
Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have a car insurance policy, you stand a good chance to be able to save some money using these methods. But drivers can benefit by having an understanding of how big insurance companies market insurance on the web and apply this information to your search.
When shopping for cheap insurance quotes, there are a couple of ways of comparing rate quotes from insurance companies in your area. The recommended way to comparison shop is to jump online and get quotes. This is very easy and can be done in a couple minutes as outlined below.
The easiest and least time consuming way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This form eliminates the need for separate quotes for each company. Filling out one form gets insurance cost estimates from insurance companies with the best prices.It’s the quickest way to get rates.
A more difficult way to compare prices is spending the time to visit the website of each company to complete their respective quote request forms. For instance, let’s say you want to get rates from Auto-Owners, Liberty Mutual and American Family. To get each rate you have to take the time to go to each site and type in your information over and over, which is why the first method is quicker.
To view a list of companies in your area, click here.
Which method you use is up to you, but be sure you’re using equivalent information for each quote you get. If you use different limits and deductibles on each one it will be next to impossible to determine which rate is truly the best. Just a small difference in insurance coverages may cause a big price difference. And when comparison shopping, having more price comparisons will improve the odds of getting more affordable insurance.
The cost of insuring your cars can be expensive, but you might find some hidden discounts to reduce the price significantly. A few discounts will be applied at the time of quoting, but less common discounts must be asked for prior to receiving the credit.
A quick disclaimer, some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, you’re out of luck. But all discounts will reduce the amount you pay for coverage.
Car insurance companies that may offer these money-saving discounts possibly include:
Before purchasing a policy, check with all companies you are considering the best way to save money. Some of the earlier mentioned discounts might not be offered in every state. To see insurance companies with the best discounts, click this link.
Many different elements are part of the equation when pricing auto insurance. Some are pretty understandable like a motor vehicle report, although others are less obvious such as your marital status or your vehicle rating.A large part of saving on car insurance is knowing some of the factors that aid in calculating car insurance rates. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to lower car insurance prices.
The list below includes a few of the “ingredients” that factor into your prices.
When buying proper insurance coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.
For instance, these questions might point out if your situation would benefit from an agent’s advice.
If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form.
Knowing the specifics of car insurance can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.
Comprehensive auto coverage
This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like vandalism, damage from getting keyed and hail damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Liability
Liability insurance can cover damage or injury you incur to other’s property or people that is your fault. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.
Liability coverage pays for claims like pain and suffering, medical expenses and legal defense fees. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Pontiac Grand Am.
Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP provide coverage for bills such as surgery, nursing services, dental work, funeral costs and pain medications. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible
Collision protection
Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as crashing into a ditch, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.
Consumers change insurance companies for a number of reasons such as an unsatisfactory settlement offer, policy cancellation, policy non-renewal and even high prices. Regardless of your reason, finding a new company is not as hard as you think.
As you restructure your insurance plan, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where an insured cut liability coverage limits and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.
Some insurance providers don’t offer internet price quotes and usually these small insurance companies provide coverage only through independent agents. Discount 1996 Pontiac Grand Am insurance can be found online as well as from insurance agents, so you need to compare both in order to have the best chance of saving money.
Additional information can be read on the following sites:
Tereasa Baird
I live south of Worcester, MA. Not sure of all the companies but I ended up saving about $20 each month. Thankfully I have a good driving record. They have free quotes online.
Conception Velasquez
I’m in Charleston, SC. Compared rates from a lot of places. Saved about $20 a month. State Farm was the cheapest option for me. Insured with Eastwood before. I even had a DUI years ago. My Grand Am doesn’t have full coverage.
Val Cabrera
Checking in from Denver, Colorado. Got free quotes online for a 1996 Pontiac Grand Am. Ended up at about $90 savings annually. Went with State Farm. Can still barely afford it. Book value doesn’t justify full coverage anymore.
Refugia Ingram
I’m from Kailua, Hawaii. I quoted with Travelers, AAA, Hanover, and MetLife for my 1996 Pontiac Grand Am and saved around $110 a year. Switched homeowners coverage too. Might find lower rates online. I’m thinking about dropping full coverage though.
Debora Keller
Anyone compare GEICO and State Farm rates in Boise, ID?
Tracy Hayes
Lots of useful info here. From Aberdeen, SD. Quoted prices online for a 1996 Pontiac Grand Am. Ended up at about $80 savings annually. Went with GEICO. Insured with Esurance before. I recommend comparing lots of rates. Next renewal I’ll just do liability.
Elia Head
I think State Farm has low rates in Michigan. For me anyway.
Dagny Ayala
Cheap car insurance? What’s that? I’m from Newark, Delaware. Quoted quotes from Western Auto Insurance, AIG Insurance, Hartford, and Mercury for my Grand Am and cut my rates about $110 a year. Was with Nationwide. They have free quotes online.
Maria Branch
It all costs too much. I live east of North Charleston, SC. I quoted with Safeco, Erie, State Farm, and AIG Insurance for my 1996 Pontiac Grand Am and I’m now saving $22 a month. Was with Erie. Bought it from an online quote.
Jaimee Cabrera
Nice post. From Las Vegas, Nevada. I got free quotes with Amica, Mercury, and a few others for my 1996 Pontiac Grand Am and I’m now saving $22 a month. I get a discount for insuring multiple vehicles. Only insure liability on my Grand Am.
Lewis Goodwin
I found pretty cheap rate quotes for a 1996 Pontiac Grand Am in Boise, ID. Ended up at right around $80 every six months with AAA.
Ellie Acosta
I found cheap 1996 Pontiac Grand Am insurance in Worcester, MA with 21st Century.
Hettie Landry
Live in Burlington, VT. Received quotes with Progressive, Amica, Esurance, and Liberty Mutual for my Grand Am and saved $93 a year. Was with 21st Century. Bought it from an online quote.