View 1999 Pontiac Grand Am Car Insurance Rates

A little disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most only apply to individual premiums such as medical payments or collision. Despite the fact that it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.

Companies who may offer these discounts include:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• Geico
• AAA

Before you buy a policy, ask all the companies to apply every possible discount. Some discounts listed above might not apply in your area. To choose providers that provide some of the discounts listed above, click this link.

Special considerations

When it comes to choosing coverage, there is no single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions might help in determining whether you may require specific advice.

• Do I need PIP coverage since I have good health insurance?
• Does my 1999 Pontiac Grand Am need full coverage?
• What is the minimum liability in my state?
• Is my 1999 Pontiac Grand Am covered for smoke damage?
• How high should my uninsured/underinsured coverage be in my state?
• Should I file a claim if it’s only slightly more than my deductible?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Learn how to lower your insurance costs

Lots of factors are used when you get a price on insurance. Some of the criteria are obvious such as your driving record, although some other factors are more transparent like your vehicle usage and annual miles driven.

The factors shown below are just a few of the factors used by insurance companies to determine your rate level.

• Rates and your address – Choosing to live in less populated areas can be a good thing when trying to find low car insurance rates. People in densly populated areas regularly have more traffic problems and a longer drive to work. Fewer people means fewer accidents in addition to fewer liability claims.
• Use one insurance company and save – Most car insurance companies will give a discount to policyholders who consolidate policies with them. It’s known as a multi-policy discount. The discount can be ten or even fifteen percent. Even if you qualify for this discount already, you still need to compare rates to help guarantee you have the best rates.
• Being married can save you money – Your spouse may cut your premiums when buying car insurance. It is viewed as being more mature and responsible and statistics prove drivers who are married are more cautious.
• Never go without car insurance – Driving without insurance is a misdemeanor and any future policy may cost more because you let your insurance coverage expire. And not only will insurance be more expensive, not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.
• How old are your drivers? – Teen drivers have a tendency to be inattentive and easily distracted in a vehicle therefore car insurance rates are much higher. Adding a teen driver onto your car insurance can really hurt. Older drivers are more responsible, tend to file fewer claims and are safer drivers.
• Raise deductibles and save – Physical damage insurance, aka comp and collision, protects your Pontiac from damage. Examples of covered claims would be a dented fender, damage from fire, or theft. Deductibles for physical damage state the amount of money you are willing to pay before a claim is paid by your company. The higher the amount you’re willing to pay, the bigger discount you will receive on Grand Am insurance.
• Credit score impacts premium premiums – A driver’s credit score can be a huge factor in determining what you pay. People that have excellent credit tend to be more responsible and file fewer claims than those with poor credit scores. If your credit score is not that good, you could be paying less to insure your 1999 Pontiac Grand Am by spending a little time repairing your credit.

Don’t be fooled by advertising claims

Auto insurance providers like 21st Century, Allstate and State Farm endlessly run television and radio advertisements. All the companies tend to make the same promise about how much you will save just by switching your coverage to them. How do they all make almost identical claims? This is the trick they use.

Insurance providers provide the lowest rates for the type of insured that is profitable for them. For example, a profitable risk profile could possibly be a mature driver, has no prior claims, and has a high credit rating. Any driver who matches that profile will get low prices and will most likely cut their rates substantially.

People who don’t meet the “perfect” profile must pay a higher premium which leads to the driver buying from a lower-cost company. If you listen closely, the ads state “drivers who switch” but not “everyone who gets a quote” will save that much if they switch. This is how companies can truthfully make the claims of big savings. This really illustrates why you really should get as many free auto insurance quotes as possible. Because you cannot predict which company will have the best prices for your profile.

Coverages available on your policy

Learning about specific coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a broken windshield, a tree branch falling on your vehicle, damage from flooding, theft and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses for EMT expenses, prosthetic devices, nursing services and pain medications. They are used in conjunction with a health insurance plan or if you do not have health coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Pontiac Grand Am.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Collision protection

This pays for damage to your Grand Am caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, hitting a parking meter, backing into a parked car, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to bring the cost down.

Liability

This can cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for claims like repair costs for stationary objects, funeral expenses, structural damage, medical services and medical expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Final thoughts

Insureds switch companies for a variety of reasons including delays in paying claims, delays in responding to claim requests, poor customer service or even being labeled a high risk driver. Regardless of your reason for switching companies, finding a new company is less work than it seems.

As you quote auto insurance, you should never sacrifice coverage to reduce premiums. In too many instances, someone sacrificed full coverage and discovered at claim time that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at the lowest possible cost, not the least amount of coverage.

Budget-friendly insurance coverage can be found both online in addition to local insurance agencies, so get free auto insurance quotes from both of them to have the best rate selection. A few companies may not offer the ability to get quotes online and usually these smaller companies work with local independent agents.

Additional detailed information is available by following these links:

• Side Impact Crash Tests (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Get the Right Protection (InsureUonline.org)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)