Save on 1995 Pontiac Grand Am Car Insurance Quotes

Nobody likes paying for car insurance, especially knowing the price is too high.

You have so many insurers to buy insurance from, and although it’s a good thing to have a selection, it can be more difficult to compare company pricing.

You should take the time to get comparison quotes once or twice a year since rates go up and down regularly. Even if you think you had the lowest price for Grand Am insurance six months ago other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you’re about to find out the things you must know in order to properly buy coverages while reducing your premium.

How to reduce 1995 Pontiac Grand Am insurance rates

Car insurance can cost a lot, buy you may qualify for discounts to help bring down the price. Some trigger automatically when you complete an application, but a few must be specially asked for before you get the savings.

  • Auto/Home Discount – If you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt could save 15% off your PIP or medical payments premium.
  • Low Mileage Discounts – Fewer annual miles on your Pontiac can earn better rates on cars that stay parked.
  • Driver Safety – Completing a course in driver safety could save 5% or more if you qualify.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Passive Restraint Discount – Vehicles with factory air bags can get savings of 20% or more.
  • Paperwork-free – A few companies may give you up to $50 for buying a policy and signing up digitally online.

Drivers should understand that some credits don’t apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will reduce your overall premium however.

For a list of companies with discount insurance coverage rates, click here.

Compare Quotes for Insurance Coverage

Comparing insurance coverage rates can be exhausting if you don’t utilize the most efficient way. You can spend your afternoon driving to local insurance agents in your area, or you can utilize the web for quick rates.

Most major companies take part in a program that allows shoppers to complete one form, and at least one company can provide price quotes determined by their information. This eliminates the need for quotation requests to each individual insurance coverage company.

To find out how much you can save on insurance coverage click to open in new window.

The one downside to using this type of system is you are unable to specify which companies you will receive quotes from. If you wish to select specific insurance companies to request quotes from, we put together a list of companies who write insurance coverage in your area. Click here to view list.

However you get your quotes, be sure to compare apples-to-apples coverages with every price quote. If your comparisons have unequal deductibles or liability limits it’s not possible to find the best deal for your Pontiac Grand Am. Just a small difference in coverage limits could mean much higher rates. Just keep in mind that comparing a large number of companies gives you a better chance of getting a better price.

Tailor your coverage to you

When choosing the best car insurance coverage for your vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions may help highlight whether you would benefit from an agent’s advice.

  • How much underlying liability do I need for an umbrella policy?
  • Do I have coverage if my license is suspended?
  • Why am I required to buy high-risk coverage?
  • What if I don’t agree with a claim settlement offer?
  • Can my teen drive my company car?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does my medical payments coverage pay my health insurance deductible?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How much liability insurance is required?
  • What is roadside assistance coverage?

If it’s difficult to answer those questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area.

Car insurance coverage specifics

Having a good grasp of your policy aids in choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average car insurance policy.

Comprehensive coverage (or Other than Collision) – This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, damage from a tornado or hurricane and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability – Liability insurance protects you from injuries or damage you cause to people or other property in an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as emergency aid, legal defense fees and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Collision coverage – Collision insurance will pay to fix damage to your Grand Am resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as colliding with another moving vehicle, colliding with a tree, hitting a mailbox, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for dental work, pain medications, nursing services and surgery. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Do the work, save more money

Budget-conscious 1995 Pontiac Grand Am insurance can be sourced on the web as well as from independent agents, and you should be comparing both to have the best rate selection. There are still a few companies who don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.

We just showed you some good ideas how to lower your insurance rates. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. Consumers may even find the best prices are with a lesser-known regional company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as State Farm and Allstate.

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