Lower Your 1991 Pontiac Le Mans Insurance Quotes

Trying to find cheaper car insurance rates for your Pontiac Le Mans? Comparing auto insurance quotes online might sound like a lofty goal if you have never taken advantage of online rate comparisons. Don’t be baffled because we’re going to show you how.

Consumers should take time to shop coverage around occasionally since prices are usually higher with each renewal. Even if you got the best rates for Le Mans insurance at your last renewal you can probably find a lower rate today. There is lot of inaccurate information about car insurance online, but in this article, you’re going to get some proven techniques to lower your car insurance premiums.

First Step: Get free car insurance quotes

There are multiple methods to compare car insurance quotes, but there is one way that is less labor-intensive and much quicker. You could waste time discussing policy coverages with local insurance agents in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.

Most of the best insurance companies are enrolled in a marketplace that allows shoppers to send in one quote, and each participating company returns a rated price based on that information. This prevents consumers from doing quote forms for each company you want a rate for.

To compare pricing click to open in new window.

The single downside to pricing coverage this way is you can’t choose the providers to get pricing from. So if you want to select specific providers to compare rates, we have a listing of car insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just try to keep exactly the same coverage limits and deductibles on every quote you get. If you compare differing limits it will be very difficult to make an equal comparison. Even a minor difference in limits may result in large price differences. And when comparison shopping, comparing more company’s prices will increase your chances of finding more affordable rates.

Brand name doesn’t guarantee savings

Insurance coverage providers like Allstate, GEICO and Progressive regularly use television and radio advertisements. They all seem to make an identical promise about savings just by switching to them. How does each company have lower policy pricing? This is the trick they use.

Insurance coverage companies have specific guidelines for the type of customer that earns them a profit. One example of a preferred risk might be described as married and over the age of 30, carries high limits, and drives less than 5,000 miles a year. A customer who matches that profile will probably get the lowest prices and therefore will save some money.

Insureds who are not a match for the requirements will see higher prices which leads to business going elsewhere. Company advertisements say “people that switch” but not “all drivers who get quotes” save that much money. That is how companies can make claims that they all have the best premium rates.

Each company has different criteria, so drivers must do a rate comparison at every renewal. You cannot predict which company will have the lowest car insurance rates for your situation.

How to lower your insurance rates

Lots of things are part of the calculation when quoting car insurance. A few of the factors are predictable such as traffic violations, but other criteria are not as apparent such as your credit history or how financially stable you are.

  • Big cities mean more claims – Choosing to live in a small town can save you money when insuring your vehicles. Drivers in populated areas tend to have more aggressive driving styles and much longer commute distances. Fewer drivers means a lower chance of having an accident.
  • Raise comp and collision deductibles and save – Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your Pontiac from damage. Some examples of claims that would be covered are running into the backend of another car, damage from fire, and damage caused by flying debris. The deductibles you choose are the amount of money you are required to spend if a claim is determined to be covered. The more expense the insured has to pay upfront, the lower your rates will be for Le Mans insurance.
  • Limits of liability coverage – Your policy’s liability coverage provides coverage when a court rules you are at fault for personal injury or accident damage. It provides for a legal defense to defend your case. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Multiple policies with one company – The majority of car insurance companies afford a discount to policyholders that buy multiple policies, otherwise known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even with this discount, it’s still a good idea to get quotes from other companies to verify if the discount is saving money. Consumers may save even more than the discount by buying car insurance from a different company.
  • Gender and insurance costs – Over the last 30 years, statistics show that females tend to be a little less risky than males. This data doesn’t prove that females are better at driving than males. They both cause fender benders at a similar rate, but males have costlier accidents. Men also tend to get cited for more serious violations like DUI and reckless driving.
  • Save money with GPS tracking and theft deterrents – Driving a car that has an advanced theft prevention system can save you a little every year. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop your vehicle from being stolen.

Pay discount rates these rate-reducing discounts

Some insurance providers don’t always list all their discounts in a way that’s easy to find, so the list below details some of the more common in addition to some of the lesser obvious credits available to you.

  • Responsible Driver Discounts – Insureds without accidents can get discounts for up to 45% lower rates for Le Mans insurance than less cautious drivers.
  • Federal Government Employee – Having worked for a branch of the government could qualify for a slight premium decrease for Le Mans insurance depending on your insurance coverage provider.
  • Homeowners Pay Less – Being a homeowner can save you money because owning a home demonstrates responsibility.
  • Senior Citizens – Seniors can get a small discount on rates for Le Mans insurance.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save up to 5%.

Discounts save money, but please remember that many deductions do not apply to the overall cost of the policy. Most only cut individual premiums such as comprehensive or collision. Even though it may seem like you can get free auto insurance, it’s just not the way it works.

Companies and some of the discounts are outlined below.

  • Farm Bureau has savings for multi-policy, multi-vehicle, safe driver, youthful driver, and 55 and retired.
  • MetLife includes discounts for multi-policy, good driver, good student, accident-free, claim-free, and defensive driver.
  • Progressive has discounts for multi-vehicle, continuous coverage, multi-policy, good student, homeowner, online signing, and online quote discount.
  • AAA offers discounts for good driver, education and occupation, pay-in-full, good student, anti-theft, multi-policy, and AAA membership discount.
  • American Family offers premium reductions for early bird, TimeAway discount, good driver, defensive driver, accident-free, and air bags.
  • GEICO may include discounts for defensive driver, emergency military deployment, membership and employees, five-year accident-free, multi-vehicle, seat belt use, and daytime running lights.
  • State Farm policyholders can earn discounts including multiple policy, good student, passive restraint, good driver, and driver’s education.

Before you buy a policy, ask each insurance company which discounts can lower your rates. Some discounts may not apply in every state. To view insurers with the best discounts, follow this link.

Do I need special coverages?

When choosing adequate coverage, there really is no perfect coverage plan. Every situation is different.

Here are some questions about coverages that might point out if your insurance needs would benefit from professional advice.

  • What exactly is covered by my policy?
  • Am I covered if I break a side mirror?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does coverage extend to Mexico or Canada?
  • Does coverage extend to my business vehicle?
  • When should my teen driver be added to my policy?
  • Why am I required to buy high-risk coverage?
  • When should I remove comp and collision on my 1991 Pontiac Le Mans?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form.

Car insurance policy specifics

Understanding the coverages of your car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like dental work, hospital visits and doctor visits. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Comprehensive (Other than Collision) – This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, vandalism, rock chips in glass, damage from flooding and a broken windshield. The maximum amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Pontiac Le Mans.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Liability auto insurance – This provides protection from damage that occurs to other’s property or people in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like repair costs for stationary objects, loss of income and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision coverages – This pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as backing into a parked car, damaging your car on a curb and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

A fool and his money are soon parted

People change insurance companies for a variety of reasons including extreme rates for teen drivers, high rates after DUI convictions, lack of trust in their agent and even denial of a claim. Regardless of your reason, switching car insurance companies is easier than you think.

We covered many ways to lower your 1991 Pontiac Le Mans insurance rates. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding low cost auto insurance. Consumers may even find the best rates are with a lesser-known regional company.

Cheaper car insurance can be found online as well as from insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies do not provide online quoting and these small, regional companies only sell coverage through independent agents.

More detailed car insurance information is located at these sites: