1996 Pontiac Grand Am Car Insurance Quotes

Are you at wits end from scraping nickels together to pay insurance each month? You are no different than many other consumers. Insurance companies such as Allstate, Liberty Mutual and State Farm constantly blast consumers with ads and it is difficult to see through the deception and do the work needed to find the best deal.

If you have a current auto insurance policy or are just looking to switch companies, you can follow these tips to find the best rates while maintaining coverages. Buying car insurance is not that difficult. Vehicle owners only need an understanding of the most effective way to find the lowest price online.

These discounts can lower your insurance coverage quotes

Insuring your fleet can be pricey, but there could be significant discounts that may help make it more affordable. Certain credits will be shown when you get a quote, but some may not be applied and must be specially asked for before you get the savings. If you check and find you aren’t receiving every discount you deserve, you may be paying too high a price.

  • Discount for Multiple Policies – If you can combine your homeowners and auto policy and place coverage with the same company you could get a discount of up to 20% and get you low cost car insurance.
  • Homeowners Pay Less – Just owning your own home can save a few bucks because of the fact that having a home requires personal responsibility.
  • Distant Student – Kids who live away from home at college and do not have a car may qualify for this discount.
  • Accident Free – Insureds with no claims or accidents pay much less in comparison to drivers who are more careless.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students up to age 25.

It’s important to note that most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

For a list of insurers with the best insurance coverage discounts, click this link.

Insurance coverage quotes comparison

Effectively comparing insurance coverage prices is a ton of work if you don’t know the most efficient way. You could waste a few hours talking to insurance agencies in your area, or you could save time and use online quotes to quickly compare rates.

Most car insurance companies enroll in a system where insurance shoppers complete one form, and every company returns a rated price for coverage. This eliminates the need for quotation requests to each individual insurance coverage company.

To compare rates now click here to start a free quote.

The one disadvantage to pricing coverage this way is you are unable to specify the companies to get quotes from. So if you prefer to pick specific providers to compare rates, we have a page of low cost insurance coverage companies in your area. Click here to view list.

Compare rates however you want, just try to keep exactly the same information on every quote you get. If your comparisons have unequal deductibles or liability limits it will be impossible to find the best deal for your Pontiac Grand Am.

Learn how to quote insurance coverage for less

Many different elements are taken into consideration when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but some are less apparent like your vehicle usage or your commute time.The best way to find cheaper insurance coverage is to take a look at some of the things that play a part in calculating your premiums. If you understand what determines premiums, this helps enable you to make changes that could result in lower insurance coverage prices.

  • Accidents increase rates – Your driving record has a huge affect on how much you pay. Drivers with clean records have lower premiums compared to bad drivers. Just one ticket can increase the cost of insurance by as much as thirty percent. Drivers who have gotten careless violations such as reckless driving, hit and run or driving under the influence may face state-mandated requirements to complete a SR-22 with their state in order to prevent a license revocation.
  • Expect high rates for teens – Drivers with little experience have a tendency to be inattentive and easily distracted when behind the wheel and because of this, their insurance coverage rates are much higher. More mature drivers are more responsible, file fewer claims and tend to be get fewer driving tickets.
  • Safety first – Vehicles with high crash test scores tend to be cheaper to insure. These vehicles reduce injuries and fewer injuries means less money paid by your insurance company which can result in lower premiums.
  • Job and insurance prices – Did you know that where you work can have an impact on rates? Occupations like military generalsairline pilots and accountants are shown to have higher rates than average in part from high stress levels and extremely grueling work hours. On the other hand, jobs like farmers, athletes and homemakers pay the least on Grand Am coverage.
  • High comp and collision deductibles equal low rates – Physical damage protection, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Pontiac. Some examples of covered claims are a broken windshield, hitting a deer, and burglary. The deductibles you choose are how much the insured will be required to pay if a covered claim is submitted. The more you are required to pay out-of-pocket, the less your company will charge you for insurance on Grand Am coverage.

Different people need different insurance coverage coverages

When choosing coverage, there really is no one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your insurance needs would benefit from professional advice.

  • How much liability do I need to cover my assets?
  • Is business equipment covered while in my vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered when delivering products for my home-based business?
  • Do all my vehicles need collision coverage?
  • Can I get a multi-policy discount?
  • Is pleasure use cheaper than using my 1996 Pontiac Grand Am to commute?
  • When should I not file a claim?

If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Auto insurance coverages

Knowing the specifics of a auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverages found on the average auto insurance policy.

Coverage for uninsured or underinsured drivers – This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Pontiac Grand Am.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for bills for funeral costs, surgery and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability – This provides protection from damage that occurs to a person or their property. It protects you from legal claims by others. Liability 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. As an example, you may have values of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like court costs, structural damage and pain and suffering. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Comprehensive auto insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, theft, hitting a deer and a broken windshield. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

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

Collision coverage pays for claims such as hitting a parking meter, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Quote more, save more

Cheap 1996 Pontiac Grand Am insurance is possible both online as well as from independent agents, and you need to price shop both so you have a total pricing picture. Some companies may not offer rate quotes online and most of the time these smaller providers prefer to sell through independent agents.

When getting car insurance quotes online, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where an insured cut uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.

Much more information about insurance is available at these links: