View 2003 Pontiac Grand Am Insurance Quotes

Want the cheapest insurance coverage rates for your Pontiac Grand Am? Sick and tired of not being able to afford to make your insurance coverage payment? Your situation is no different than millions of other people. Multiple insurance companies compete for your insurance dollar, and it can be difficult to compare rates to find the lowest rate

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Auto insurance quotes and discounts

Companies that sell car insurance don’t necessarily list all their discounts very well, so we researched some of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy insurance online. If you are not receiving all the discounts possible, you could be paying more than you need to.

Sign Early and Save – Some insurance companies reward drivers for switching to them before your current policy expires. Ten percent is about the average savings.
Drive Safe and Save – Safe drivers can save up to 40% or more on their insurance quote on Grand Am insurance as compared to drivers with claims.
Good Grades Discount – Excelling in school can earn a discount of 20% or more. Many companies even apply the discount to college students until age 25.
Active Service Discounts – Having a deployed family member could mean lower prices.
Low Miles Discount – Maintaining low annual mileage can qualify you for lower rates due to less chance of an accident.
Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents so companies give up to a 10% discount.
Policy Bundle Discount – If you insure your home and vehicles with one company you could save at least 10% off all policies.
Savings for New Vehicles – Adding a new car to your policy can cost up to 25% less because newer models are generally safer.
Drivers Education – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if it’s offered in school.
Homeowners Savings – Just owning your own home can earn you a little savings since home ownership shows financial diligence.

We need to note that some of the credits will not apply the the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way.

The best auto insurance companies and a selection of discounts can be found below.

State Farm discounts include good student, student away at school, multiple policy, multiple autos, and anti-theft.
Esurance includes discounts for DriveSense, paid-in-full, homeowner, good student, good driver, and Pac-12 alumni.
Progressive policyholders can earn discounts including online quote discount, online signing, homeowner, continuous coverage, multi-policy, good student, and multi-vehicle.
Liberty Mutual may include discounts for newly married, safety features, hybrid vehicle, preferred payment discount, exclusive group savings, and new vehicle discount.
Auto-Owners Insurance may have discounts that include safe vehicle, multiple vehicles, student away at school, teen driver, anti-theft, and good student.
GEICO offers discounts including daytime running lights, good student, anti-lock brakes, military active duty, membership and employees, and multi-vehicle.

Before purchasing a policy, check with all companies you are considering to give you their best rates. Some of the discounts discussed earlier may not apply in your area.

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage, there really is no best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether or not you might need an agent’s assistance.

Will I be non-renewed for getting a DUI or other conviction?
Does my medical payments coverage pay my health insurance deductible?
Can my teen driver be rated on a liability-only vehicle?
Can I afford to pay high deductible claims out of pocket?
Do I need higher collision deductibles?
How much can I save by bundling my policies?
When would I need rental car insurance?
How much liability do I need to cover my assets?
What is the ISO rating for a 2003 Pontiac Grand Am?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It is quick, free and may give you better protection.

Car insurance coverage considerations

Understanding the coverages of your policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages available from car insurance companies.

Auto liability insurance

This coverage provides protection from damage that occurs to other people or property that is your fault. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as funeral expenses, pain and suffering, court costs and emergency aid. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as scraping a guard rail, hitting a parking meter and rolling your car. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like fire damage, hitting a bird, hitting a deer and vandalism. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like doctor visits, ambulance fees and dental work. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Shop. Compare. Save.

The cheapest 2003 Pontiac Grand Am insurance is available from both online companies and from local agencies, so get free insurance quotes from both of them in order to have the best chance of saving money. A few companies do not offer price quotes online and usually these regional carriers only sell coverage through local independent agents.

When you buy insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, an insured dropped uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at the best possible price while not skimping on critical coverages.

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