Cheap 2003 Pontiac Grand Am Insurance Rates

Having to pay for expensive insurance can overdraw your budget and force you to cut corners elsewhere. Performing a rate comparison is an excellent way to reduce premiums and put more money in your pocket.

Because there are so many companies to choose from, it’s difficult to find the lowest price insurance provider.

Consumers need to do rate comparisons occasionally because prices are usually higher with each renewal. If you had the lowest price for Grand Am coverage at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because you’re going to learn the best way to reduce your cost while increasing coverage.

The cheapest auto insurance rate quotes

Finding low cost auto insurance quotes is an easy way to save money. The only requirement is to invest a little time to get quotes online from several insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

• One of the simplest ways to get quotes would be an industry-wide quote request form click to view form in new window. This easy form keeps you from doing separate quote forms for each company. Filling out one form gets coverage cost estimates from all major companies.
• Another way to compare prices is to manually visit the website for every company you want to comare and repeat the quote process. For sake of this example, we’ll pretend you want rates from State Farm, Esurance and Progressive. You would need to take the time to go to each site to input your insurance information, which can get old fast.

  For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but compare the exact same information for each comparison quote. If you are comparing different coverage information it will be next to impossible to determine which rate is truly the best.

Tailor your auto insurance coverage to you

When buying coverage, there really is no “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

• If I drive on a suspended license am I covered?
• Are there companies who specialize in insuring high-risk drivers?
• Is my babysitter covered when using my vehicle?
• Exactly who is provided coverage by my policy?
• Where can I find DUI or SR-22 insurance?
• Is my 2003 Pontiac Grand Am covered for smoke damage?
• Why am I required to buy high-risk coverage?
• Is my teen driver covered when they drive my company car?
• Is a blown tire covered by insurance?
• Is business property covered if stolen from my car?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Parts of your auto insurance policy

Understanding the coverages of a auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverage types found on most auto insurance policies.

Auto liability insurance

Liability coverage provides protection from damages or injuries you inflict on a person or their property. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as pain and suffering, court costs and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like chiropractic care, ambulance fees, pain medications, EMT expenses and funeral costs. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Pontiac Grand Am.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, rock chips in glass and damage from flooding. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

Collision insurance pays for damage to your Grand Am resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.