1997 Pontiac Grand Am Insurance Quotes

Are you intimidated by the wide range of car insurance companies in your area? There are so many options that it can quickly become more work than you anticipated to find the lowest price.

It’s important to price shop coverage every six months due to the fact that insurance rates are variable and change quite frequently. Even if you think you had the lowest rate for Grand Am insurance a few years ago other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the fastest and easiest way to find better rates and still maintain coverage.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these tips. This article will familiarize you with how to get online quotes and some money-saving tips. Nevertheless, consumers can benefit by having an understanding of how insurance companies price online insurance and use this information to your advantage.

How your Grand Am insurance prices are determined

One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that help determine the price you pay for auto insurance. If you have a feel for what influences your rates, this empowers consumers to make smart changes that can help you get big savings.

  • Policy add-ons could be costing you – Insurance companies have many additional extra coverages that you can buy but may not be useful. Coverages like roadside assistance, towing coverage, and motor club memberships may be wasting your money. These coverages may sound good when deciding what coverages you need, but your needs may have changed so remove them from your policy.
  • Safer cars cost less to insure – Safer cars are cheaper to insure. Vehicles built for safety reduce injuries and reduced instances of injuries translates into savings for insurance companies and more competitive rates for policyholders. If the Pontiac Grand Am has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Don’t let your policy lapse – Driving without insurance coverage in place is against the law and auto insurance companies will penalize you for letting your coverage cancel without a new policy in place. Not only will you pay higher rates, not being able to provide proof of insurance can result in a license revocation or jail time.
  • Compare rates if you combine your policies – The majority of insurers will award discounts to customers that purchase more than one policy in the form of a multi-policy discount. Discounts can be five, ten or even twenty percent. Even if you already get this discount, it’s still a good idea to get quotes from other companies to make sure you are getting the best deal.
  • Liability coverage – Liability insurance provides coverage if a court rules you are at fault for causing damage or personal injury in an accident. This coverage provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to comp and collision, so insureds should have plenty of protection for their assets.
  • Prices for men may be higher – Over the last 30 years, statistics show females are less aggressive when driving. However, don’t assume that men are WORSE drivers than women. Both sexes have at-fault accidents in similar numbers, but males have accidents that have higher claims. They also get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 cause the most accidents and therefore pay the highest rates.
  • Annual mileage impacts rates – The more you drive in a year the more you’ll pay to insure your vehicle. A lot of companies calculate rates based upon how much you drive. Autos not used for work or commuting receive better premium rates compared to those used for work or business. An incorrectly rated Grand Am is throwing money out the window. It’s a smart idea to ensure your vehicle rating properly reflects how each vehicle is driven.

How to shop insurance coverage online

All the larger insurance coverage companies such as Allstate, GEICO and Progressive make it easy to get insurance quotes online. Getting online quotes is quite easy because you just enter the coverage amounts you desire as requested by the quote form. Once entered, the quote system gets your credit score and driving record and returns pricing information based on these and other factors.

This makes it a lot easier to compare rates but the time required to go to each company’s website and repetitively type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to perform this step if you are searching for a better rate.

The quickest way to lower your insurance coverage bill is to use a quote form to return rates from several companies at one time. This type of form saves time, reduces the work, and makes online shopping much easier to do. After your information is entered, it gets priced and you can select any of the price quotes you receive.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The whole process can be completed in a matter of minutes and you will find out if you’re overpaying now.

If you want to find out what other companies charge, click here and enter your vehicle and coverage information. If you have coverage now, it’s recommended you complete the form with just like they are on your policy. This way, you’re receiving rate quotes for exact coverage.

Get cheap rates by taking advantage of discounts

Insurance can be pricey, but you might find some hidden discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied at the time you complete a quote, but some must be manually applied in order for you to get them.

  • Accident-Free Discounts – Insureds who avoid accidents and claims pay much less when compared to bad drivers.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off for Grand Am insurance with certain companies.
  • Theft Deterent Discount – Vehicles equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
  • Waiver for an Accident – but companies like Allstate and Progressive may permit one accident without raising rates so long as you are claim-free for a set time period.
  • Save with More Vehicles Insured – Insuring several vehicles on the same insurance policy can reduce the rates for all insured vehicles.
  • Passive Restraints – Cars that have air bags can get savings of 20% or more.
  • Distant Student – Any of your kids who live away from home to go to college and do not have a car can receive lower rates.
  • E-sign – A few insurance companies provide a small discount simply for signing online.
  • Save with a New Car – Buying insurance on a new vehicle can save up to 30% because new vehicles are generally safer.
  • Good Grades Discount – A discount for being a good student may save you up to 25%. Most companies allow this discount up until you turn 25.

Policy discounts save money, but most discount credits are not given to the entire cost. Most only cut individual premiums such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, it’s just not the way it works.

A list of companies and their offered discounts can be read below.

  • Progressive policyholders can earn discounts including continuous coverage, multi-policy, multi-vehicle, online quote discount, homeowner, and good student.
  • GEICO offers discounts for driver training, anti-theft, emergency military deployment, five-year accident-free, and daytime running lights.
  • State Farm includes discounts for accident-free, student away at school, Drive Safe & Save, anti-theft, multiple policy, safe vehicle, and good driver.
  • Esurance may include discounts for renters, multi-car, DriveSense, Switch & Save, paid-in-full, and homeowner.
  • The Hartford offers discounts including driver training, anti-theft, air bag, bundle, vehicle fuel type, good student, and defensive driver.

Before purchasing a policy, check with every insurance company the best way to save money. Discounts might not be offered in your area. To view insurers who offer online insurance quotes, click here.

How much insurance do I need?

When it comes to choosing the best insurance coverage, there really is not a best way to insure your cars. Every insured’s situation is different.

For instance, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Does insurance cover damages from a DUI accident?
  • What is the minimum liability in my state?
  • What happens if I owe more than my 1997 Pontiac Grand Am is worth?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does having multiple vehicles earn me a discount?
  • What is roadside assistance coverage?
  • How can I get my company to pay me more for my totalled car?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Auto insurance 101

Learning about specific coverages of a car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision) – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as falling objects, a tree branch falling on your vehicle, damage from flooding and hitting a bird. The maximum payout 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.

Auto liability – Liability insurance provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as emergency aid, loss of income, repair costs for stationary objects, funeral expenses and medical expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle from other drivers 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 Grand Am.

Since a lot of drivers only purchase the least amount of liability that is required, 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 your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like doctor visits, EMT expenses, X-ray expenses, rehabilitation expenses and ambulance fees. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverages – This pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Coverage on a shoestring budget

Insureds switch companies for a number of reasons such as poor customer service, denial of a claim, unfair underwriting practices or policy cancellation. It doesn’t matter why you want to switch switching insurance coverage companies is pretty easy and you might even save some money in the process.

When searching for the cheapest insurance quotes, never reduce needed coverages to save money. In many cases, drivers have reduced liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage at a price you can afford, but do not skimp to save money.

You just learned many tips how you can compare 1997 Pontiac Grand Am insurance premium rates online. The key thing to remember is the more you quote insurance, the better your comparison will be. Consumers could even find that the lowest premium rates come from the least-expected company.

Additional information