2004 Pontiac Grand Am Car Insurance Rates

Want the cheapest auto insurance rates? Drivers have many options when trying to find the best price on Pontiac Grand Am insurance. They can either waste time struggling with agents to get rate comparisons or utilize the internet to get rate quotes. There are both good and bad ways to find auto insurance online and you need to know the best way to price shop coverage for a Pontiac and obtain the best price possible either online or from local insurance agents.

First Step: Get free auto insurance quotes

Most companies such as Progressive, Allstate and GEICO allow consumers to get insurance quotes on the web. Obtaining pricing can be done by anyone as you just type in the amount of coverage you want on the page. Once you submit the form, their system automatically retrieves information on your driving record and credit history and returns a price based on the information you submitted.

This makes comparing rates easy, but the process of having to visit multiple sites and type in the same information gets old quite quickly. But it’s very important to get many rate quotes in order to get the best price on auto insurance.

A more efficient way to find cheaper rates uses just one form to return rates from several different companies. The form is fast, eliminates form submissions, and makes online price comparison much more enjoyable. After sending your information, it gets priced and you are able to buy your choice of the quotes that you receive. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. It takes just a few minutes to complete and may save quite a bit of money.

To save time and compare rates now, simply click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you replicate just like they are on your policy. Doing this assures you will have a rate comparison using the same coverage and limits.

Save a ton with these insurance discounts

Companies that sell car insurance don’t always list the entire discount list very clearly, so the next list breaks down some of the more common as well as some of the hidden credits available to you.

  • Responsible Driver Discounts – Accident-free drivers can get discounts for up to 45% lower rates for Grand Am coverage compared to accident prone drivers.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to fasten their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Good Students Pay Less – Maintaining excellent grades could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.
  • Passive Restraints – Options like air bags or automatic seat belts can get savings of up to 25% or more.
  • New Vehicle Savings – Buying a new car model can cost up to 25% less compared to insuring an older model.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% for Grand Am coverage with a few insurance companies.
  • Bundle and Save – When you combine your auto and homeowners insurance with one company you could earn a discount of nearly 15% which can help you find cheaper car insurance.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in school.
  • Waiver for an Accident – Not really a discount, but a few companies such as Liberty Mutual, Allstate and State Farm allow you one accident without the usual rate increase so long as you are claim-free for a particular time prior to the accident.

Drivers should understand that many deductions do not apply to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount should definitely cut the premium cost.

A list of insurance companies and the discounts they provide can be found below.

  • GEICO has savings for multi-policy, air bags, emergency military deployment, good student, and seat belt use.
  • Mercury Insurance may offer discounts for multi-policy, location of vehicle, type of vehicle, low natural disaster claims, and age of vehicle.
  • Farmers Insurance may include discounts for alternative fuel, pay in full, good student, early shopping, and youthful driver.
  • Auto-Owners Insurance policyholders can earn discounts including anti-lock brakes, safe driver, paid in full, multi-policy, mature driver, and anti-theft.
  • Liberty Mutual includes discounts for teen driver discount, newly married, safety features, new graduate, preferred payment discount, and multi-car.
  • SAFECO offers discounts for teen safety rewards, accident prevention training, anti-lock brakes, safe driver, drive less, and bundle discounts.
  • Progressive offers premium reductions for multi-vehicle, online quote discount, continuous coverage, good student, homeowner, and online signing.
  • USAA discounts include defensive driver, annual mileage, loyalty savings, military installation, and safe driver.

Check with each insurance company how many discounts you can get. Depending on the company, some discounts may not be available in your state. If you would like to choose from a list of providers who offer cheap insurance quotes, click here to view.

Auto insurance can get complicated

When it comes to buying the right insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine if your situation will benefit from professional help.

  • What if I don’t agree with a claim settlement offer?
  • Is business property covered if stolen from my car?
  • How can I force my company to pay a claim?
  • Will I lose any money if I cancel my policy before it expires?
  • What vehicles should carry emergency assistance coverage?
  • Is extra glass coverage worth it?
  • How can I get high-risk coverage after a DUI?
  • Where can I find high-risk insurance?
  • Do I need higher collision deductibles?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance costs are influenced by these factors

Many factors are used when you quote your car insurance policy. Some of the criteria are obvious such as your driving record, although some other factors are not as apparent like where you live or your financial responsibility.Part of the insurance coverage buying process is learning the factors that are used to determine your premiums. If you know what controls the rates you pay, this helps enable you to make changes that could result in much lower annual insurance costs.

The list below includes just a few of the factors used by insurance companies to determine your premiums.

  • Liability insurance limits are a factor – Liability insurance will protect you if you are determined to be liable for damages caused by your negligence. This coverage provides you with a defense in court starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Costs are affected by your address – Choosing to live in small towns and rural areas may provide you with better prices when insuring your vehicles. Less people translates into fewer accidents and a lower car theft rate. City drivers have more auto accidents and more time behind the wheel. Longer commute distances means a statistically higher chance of an accident.
  • Save money by having high credit – Having a bad credit rating factor in your rate calculation. Therefore, if your credit history leaves room for improvement, you could be paying less to insure your 2004 Pontiac Grand Am by repairing your credit. People with high credit scores tend to be better drivers and file fewer claims than drivers who have lower ratings.
  • Expect high rates for teens – Inexperience drivers have been known to be easily distracted when behind the wheel so insurance coverage rates are higher. More mature drivers tend to be more responsible, are lower risk to insure .
  • Extra policy coverages push up costs – There are a lot of additional coverages that you can buy if you don’t pay attention. Coverages for rental car reimbursement, accident forgiveness, and membership fees are some examples. These coverages may sound good when you first buy your policy, but if you have no use for them consider taking them off your policy.

Auto insurance specifics

Understanding the coverages of your auto insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Liability coverages

This will cover damage that occurs to other people or property that is your fault. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like structural damage, medical expenses, bail bonds, legal defense fees and loss of income. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Pontiac Grand Am.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Collision insurance

This coverage pays for damage to your Grand Am caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, hitting a mailbox, hitting a parking meter, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hitting a bird, damage from flooding and rock chips in glass. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for X-ray expenses, chiropractic care and prosthetic devices. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Cheaper insurance is a realistic goal

When getting car insurance quotes online, don’t be tempted to buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice collision coverage only to discover later that the small savings ended up costing them much more. Your focus should be to buy enough coverage at the best cost.

Insureds switch companies for a variety of reasons including an unsatisfactory settlement offer, delays in paying claims, being labeled a high risk driver or even denial of a claim. Regardless of your reason, choosing a new company is easier than you think.

We just covered many tips how you can lower your 2004 Pontiac Grand Am insurance car insurance rates. It’s most important to understand that the more quotes you get, the better likelihood of getting cheaper car insurance. Drivers may discover the best price on insurance is with a smaller regional carrier.

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