1990 Pontiac Grand Am Car Insurance Quotes – 6 Tricks for Best Rates

Cutting costs on insurance coverage can seem to be nearly impossible for drivers who are beginners to buying insurance online. Since there are so many companies competing online, it can turn into a burden to find the perfect company for you.

Insurance coverage policy discounts

Some insurers don’t list all disounts very clearly, so the following is a list of both well-publicized and the more hidden discounts you could be receiving when you buy insurance coverage online. If you check and find you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars with the same company can reduce rates for all insured vehicles.
  • Discount for Multiple Policies – When you combine your auto and homeowners insurance and insure them with the same company you may save over 10 percent off each policy depending on the company.
  • Own a Home – Just owning your own home can help you save on insurance coverage because maintaining a house demonstrates responsibility.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and will qualify for a discount on a insurance coverage quote.
  • Driver Safety – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle up before driving can save 10% or more on the premium charged for medical payments and/or PIP.

We need to note that many deductions do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way.

Some of the insurance companies that may offer these money-saving discounts include:

When getting free insurance coverage quotes, it’s a good idea to every company to give you their best rates. Some credits may not apply to policyholders in your state. To view providers who offer online insurance coverage quotes, click here.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different.

These are some specific questions might help in determining whether or not you could use an agent’s help.

  • When would I need rental car insurance?
  • What if I total my 1990 Pontiac Grand Am and owe more than it’s worth?
  • I don’t drive much so do I pay less?
  • If my 1990 Pontiac Grand Am is totaled, can I afford another vehicle?
  • If I drive on a suspended license am I covered?
  • Which companies will insure high-risk drivers?
  • Is other people’s property covered if stolen from my vehicle?
  • Does coverage extend to Mexico or Canada?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form.

Drivers who switch save $476 a year? Really?

Companies like Allstate, GEICO and Progressive seem to constantly run ads on television and other media. All the ads make the point about savings if you get a free insurance coverage quote and switch to them. Is it even possible that every company can give you a lower rate? This is the way they can do it.

Insurance providers have underwriting criteria for a prospective insured that earns them the highest profit. One example of this type of driver may need to be over the age of 50, has a clear driving record, and does not commute to work. A propective insured who fits those characteristics will get the preferred car insurance rates and will probably pay quite a bit less when switching companies.

Potential insureds who fall outside these standards may be forced to pay higher prices which usually ends up with the prospect going elsewhere. The wording the ads use say “people that switch” not “everyone that quotes” save that much money. This is how companies can make claims that they all have the best prices. This illustrates why you need to compare many company’s prices. It is impossible to predict with any certainty which company will fit you best based on your risk profile.

Specifics of your auto insurance policy

Knowing the specifics of your policy can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Liability

Liability insurance will cover damage or injury you incur to people or other property. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like legal defense fees, attorney fees and court costs. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for X-ray expenses, doctor visits, pain medications, EMT expenses and rehabilitation expenses. They are utilized in addition to your health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

This coverage pays for damage to your Grand Am resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a parking meter, driving through your garage door, scraping a guard rail, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Pontiac Grand Am.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hail damage, a tree branch falling on your vehicle, theft and hitting a bird. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

The bottom line

When buying insurance coverage, it’s very important that you do not buy poor coverage just to save money. There have been many cases where an accident victim reduced liability limits or collision coverage only to discover later that the small savings ended up costing them much more. Your goal is to buy the best coverage you can find for the lowest cost and still be able to protect your assets.

Some insurance providers may not offer online price quotes and usually these small, regional companies only sell coverage through independent agents. Lower-priced 1990 Pontiac Grand Am insurance can be purchased online in addition to local insurance agencies, so you should be comparing quotes from both to get a complete price analysis.

We just showed you a lot of information how to reduce 1990 Pontiac Grand Am insurance premium rates online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a small mutual company.

Additional detailed information is located in the articles below: