1992 Pontiac Le Mans Insurance Rates

Looking for better insurance rates for your Pontiac Le Mans? Being forced to pay for expensive insurance premiums can sap your savings account and force you to prioritize other expenses. Comparing rates annually can lower your rates and help to make ends meet.

Insurance companies such as Progressive, State Farm and GEICO continually bombard you with TV and radio ads and consumers find it hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.

It’s important to shop coverage around every six months because prices are constantly changing. Just because you had the best quotes for Le Mans coverage a year ago a different company probably has better rates today. Don’t believe everything you read about insurance out there, but we’re going to give you a bunch of ideas how to stop overpaying for insurance.

How to shop car insurance online

All major car insurance companies like State Farm, Allstate and GEICO allow you to get insurance quotes direct online. Doing online price comparisons doesn’t take a lot of time as you simply enter the coverage amounts you desire as detailed in the form. After the form is submitted, their system sends out for your credit score and driving record and gives you a price quote determined by many factors. Online price quotes makes it easy to compare insurance prices but the process of having to visit many different websites and fill out multiple forms can be a bit repetitive. Unfortunately, it is important to compare as many rates as possible in order to get better prices.

The better way to compare rates

A less time-consuming method to lower your rates uses one form that gets price quotes from many companies. It’s a real time-saver, reduces the work, and makes online quotes much more efficient. As soon as the form is sent, it gets priced and you are able to buy any of the pricing results. If a lower price is quoted, you can simply submit the application and purchase coverage. It can be completed in less than 10 minutes and you’ll know if lower rates are available.

To save time and find out what other companies charge, simply click here to open in new window and enter your information. To compare your current rates, we recommend you input the coverage information as shown on your current policy. This way, you will have comparison quotes using the same coverage and limits.

Do you qualify for discounts?

Companies that sell car insurance don’t always advertise every discount they offer very clearly, so we took the time to find a few of the more well known and also the lesser-known savings tricks you should be using when you buy insurance online.

  • Paperwork-free – A few larger online companies give back up to $50 for completing your application digitally online.
  • ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Good Student Discount – Being a good student can save 20 to 25%. Most companies allow this discount up until you turn 25.
  • Accident Waiver – Not necessarily a discount, but a few companies such as Allstate, Progressive, and GEICO will turn a blind eye to one 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 and place coverage with the same company you could get a discount of nearly 15% which can help you find cheaper insurance.
  • Safety Restraint Discount – Requiring all passengers to use a seat belt can save a little on the premium charged for medical payments and/or PIP.
  • Membership in Organizations – Being in a professional or civic organization is a simple method to lower premiums when getting a insurance quote.
  • Senior Citizens – Seniors can possibly qualify for a small discount on rates for Le Mans coverage.
  • Switch and Save Discount – Some car insurance companies provide a discount for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Savings for New Vehicles – Putting coverage on a new car may earn a small discount since newer vehicles are generally safer.

Don’t be surprised that most discount credits are not given to the entire policy premium. Some only apply to specific coverage prices like comprehensive or collision. Despite the appearance that having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Some of the insurance companies that may offer quotes with these discounts include:

When getting a coverage quote, ask each company which discounts you qualify for. Some discounts listed above might not be available to policyholders in your area. If you would like to view car insurance companies offering car insurance discounts, follow this link.

Don’t assume everyone needs the same car insurance coverage

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining if your insurance needs might need professional guidance.

  • Should I carry comprehensive and collision coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my teen driver covered when they drive my company car?
  • What exactly is covered by my policy?
  • Will my insurance pay for OEM parts?
  • If my 1992 Pontiac Le Mans is totaled, can I afford another vehicle?
  • Am I better off with higher deductibles on my 1992 Pontiac Le Mans?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my camper covered by my car insurance policy?
  • When can my company non-renew my policy?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

How to lower your insurance rates

Multiple criteria are considered when you quote your car insurance policy. Some factors are common sense such as traffic violations, but others are less obvious like your continuous coverage or how safe your car is.

The itemized list below are most of the major factors insurance companies consider when setting your prices.

  • Liability coverage is critical – Liability insurance will provide protection in the event that a jury decides you are liable for causing damage or personal injury in an accident. Your liability coverage provides legal defense coverage to defend your case. Liability insurance is pretty cheap compared to physical damage coverage, so do not skimp.
  • Never go without insurance – Having a gap between insurance policy dates can be a guaranteed way to bump up your insurance costs. In addition to paying higher rates, the inability to provide proof of insurance may earn you fines and jail time.
  • Costs also based on gender – Statistics show females are less aggressive when driving. It does not mean women are BETTER drivers than men. Both genders get in auto accidents at about the same rate, but men have accidents that have higher claims. Not only are claims higher, but men get higher numbers of serious violations like DUI and reckless driving.
  • Driver age impacts costs – Inexperience drivers tend to get distracted easily in a vehicle and because of this, their insurance rates are much higher. Parents adding a youthful driver to your policy can be quite pricey. Older drivers are more cautious drivers, tend to cause fewer accidents .

Car insurance myths debunked

Consumers can’t get away from ads that claim the lowest prices by State Farm, Allstate and GEICO. They all seem to make the same claim that you can save if you change your car insurance coverage to their company.

How does every car insurance company sell you cheaper insurance coverage? Here is the trick they use.

All companies have an ideal profile for the type of customer that is profitable for them. For instance, this type of risk profile might be described as over the age of 35, has no claims, and drives a car with an anti-theft system. A propective insured who meets those qualifications will probably get the lowest auto insurance rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don’t meet the ideal profile must pay a higher premium and this can result in the customer buying from someone else. The ads say “customers who switch” but not “everyone who gets a quote” save that much when switching. That’s why companies can advertise the way they do. Because every company is different, you absolutely need to do a rate comparison at every renewal. It’s impossible to know which insurance companies will give you lower auto insurance rates than your current company.

Auto insurance coverage information

Knowing the specifics of insurance helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages available from insurance companies.

Collision coverage – This will pay to fix damage to your Le Mans resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills for things like rehabilitation expenses, doctor visits and hospital visits. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 1992 Pontiac Le Mans.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, hitting a deer, rock chips in glass, hitting a bird and theft. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance – This coverage provides protection from injuries or damage you cause to a person or their property in an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as attorney fees, bail bonds, repair costs for stationary objects, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Summing up your insurance search

Some insurance companies may not have online price quotes and many times these small insurance companies provide coverage only through independent insurance agencies. Cheaper 1992 Pontiac Le Mans insurance is definitely available online and from local agencies, and you should be comparing both so you have a total pricing picture.

As you prepare to switch companies, make sure you don’t skimp on critical coverages to save a buck or two. There are too many instances where an insured cut uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at the best possible price.

More detailed insurance information can be read in the articles below: