Cheap 1998 Pontiac Grand Am Car Insurance Quotes

When shopping for cheaper insurance, do you get confused by the crazy number of car insurance companies? Lot’s of other drivers are too. People have so many companies to choose from that it can easily turn into a challenge to lower your rates.

How to buy auto insurance online

To get cheaper auto insurance quotes, there a variety of ways of comparing price quotes from different insurance companies. The best way to compare Pontiac Grand Am insurance prices is to jump online and get quotes. This is very easy and can be done by using one of the methods below.

The recommended way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This easy form prevents you from having to do repetitive form submissions for every prospective company. One form gets you price quotes direct from many companies. It’s definitely the quickest method.

A less efficient way to find lower rates requires you to visit each company website and fill out their own quote form. For examples sake, let’s assume you want to get rates from USAA, Liberty Mutual and State Farm. In order to compare rates, you need to go to each individual site and enter your information, which is why first method is reommended. For a list of links to companies insuring cars in your area, click here.

The most difficult way to price shop rates to each insurance agency near you. Comparing rates online can eliminate the need for a local agent unless you prefer the professional guidance that you can only get from talking to an agent. If you prefer, some companies allow you to comparison shop online but buy the policy through an agent.

Whichever way you use, make sure you are using apples-to-apples coverages for each comparison quote. If each company quotes differing limits you will not be able to determine the best price for your Pontiac Grand Am. Quoting even small variations in limits could throw off the whole comparison. It’s important to know that making a lot of price comparisons helps improve the odds of finding more affordable insurance. Some insurance companies are not set up to provide price estimates online, so you also need to get price quotes on coverage from those companies, too.

Do you qualify for discounts?

Companies don’t necessarily list all possible discounts very clearly, so the list below contains a few of the more common and the harder-to-find credits that may apply to you. If you do not double check each discount you deserve, you’re just leaving money on the table.

• Telematics Devices – Drivers who elect to allow companies to monitor their driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if their driving habits are good.
• Accident Forgiveness – This isn’t a discount exactly, but certain companies permit an accident without getting socked with a rate hike if you are claim-free for a specific time period.
• Bundle and Save – If you have multiple policies with one company you will save as much as 10 to 15 percent.
• Theft Prevention System – Vehicles that have factory anti-theft systems are less likely to be stolen and will save you 10% or more.
• Use Seat Belts – Requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
• No Claim Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on auto insurance quote in comparison with bad drivers.

Consumers should know that some credits don’t apply the the whole policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, you aren’t that lucky. But all discounts will lower the premium cost.

Some of the insurance companies that may offer policyholders some of the above discounts include:

• Farm Bureau
• Liberty Mutual
• State Farm
• Auto-Owners Insurance
• Geico
• SAFECO

If you are trying to find inexpensive auto insurance quotes, ask each company or agent how many discounts you can get. Savings might not be available to policyholders in your state.

Don’t assume everyone needs the same auto insurance coverage

When buying the best auto insurance coverage for your vehicles, there is no “perfect” insurance plan. Each situation is unique.

These are some specific questions may help highlight whether your personal situation will benefit from professional help.

• How can I find cheaper teen driver insurance?
• Am I covered if I wreck a rental car?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Am I covered if hit by an uninsured driver?
• Can I afford to pay high deductible claims out of pocket?
• Does liability extend to a camper or trailer?
• Are rock chip repairs covered?
• Do I need rental car coverage?
• When would I need additional glass coverage?
• Should I waive the damage coverage when renting a car?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Car insurance coverage breakdown

Knowing the specifics of a car insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like scraping a guard rail, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability coverage

Liability coverage protects you from injuries or damage you cause to a person or their property that is your fault. This coverage protects you against other people’s claims. It does not cover 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. As an example, you may have policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things like pain and suffering, medical expenses, medical services and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 1998 Pontiac Grand Am.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses such as surgery, ambulance fees and hospital visits. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle 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

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as vandalism, fire damage, hitting a bird, damage from flooding and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.