1997 Pontiac Grand Am Insurance Quotes – 5 Ideas for Cheaper Rates

Want cheaper insurance coverage rates for your Pontiac Grand Am? Trying to find cheaper insurance for a Pontiac Grand Am can be an all-consuming task, but you can learn our insurance coverage buying tips to make it easier. There are more efficient ways to find insurance coverage online and you need to know the best way to quote coverages for your Pontiac and get the lowest possible price from both online companies and local agents.

It’s smart to shop coverage around once or twice a year because prices are rarely the same from one policy term to another. Despite the fact that you may have had the best rates on Grand Am coverage a few years ago other companies may now be cheaper. There is too much inaccurate information about insurance coverage online but we’re going to give you some great ways to save money.

Which Auto Insurance is Cheapest?

Shopping for lower auto insurance rates can be a daunting task if you don’t know the easiest way. You can waste a few hours (or days) driving to agents in your area, or you could use the web to get prices fast.

Most of the best insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and every company returns a competitive quote based on the submitted data. This prevents consumers from doing quote requests to each company.

To compare 1997 Pontiac Grand Am rates now click to open in new window.

The only downside to using this type of system is you can’t choose which insurance companies to get quotes from. If you wish to select specific insurance companies to compare, we have a listing of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but make absolute certain that you use exactly the same coverage limits and deductibles with each company. If you compare differing limits it will be next to impossible to determine the lowest rate for your Pontiac Grand Am.

Do you really save 40% when you switch?

Drivers get pounded daily by advertisements that promise big savings by companies like Allstate, Geico and Progressive. They all have a common claim that you’ll save big if you switch to them.

How do they all say the same thing? It’s all in the numbers.

Insurance companies have a preferred profile for the right customer that earns them a profit. For instance, a desirable insured might be between the ages of 30 and 50, owns a home, and has a short commute. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and as a result will probably save when they switch companies.

Potential insureds who are not a match for the “perfect” profile will be quoted more money and this can result in business going elsewhere. The ads state “people who switch” not “people who quote” save that much money. That’s why insurance companies can claim big savings. This emphasizes why it’s extremely important to compare many company’s rates. It’s just too difficult to predict which insurance company will fit your personal profile best.

Take advantage of discounts

Car insurance companies don’t always advertise every discount in a way that’s easy to find, so we took the time to find some of the best known as well as the least known savings tricks you should be using. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Discount for Swiching Early – Some companies give discounts for buying a policy before your current expiration date. The savings is around 10%.
  • Defensive Driver – Successfully completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.

Keep in mind that most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like comp or med pay. So when it seems like you can get free auto insurance, it just doesn’t work that way.

For a list of providers with discount car insurance rates, click here.

How to know if you need help

When buying coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions may help highlight whether your personal situation would benefit from professional advice.

  • Is my teenager covered with friends in the car?
  • How high should deductibles be on a 1997 Pontiac Grand Am?
  • I have a DUI can I still get coverage?
  • What is the difference between comprehensive and collision coverage?
  • Exactly who is provided coverage by my policy?
  • What if I owe more than I can insure my car for?
  • Does my insurance cover a custom paint job?
  • Am I covered by my spouse’s policy after a separation?
  • Am I insured when driving a different vehicle?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Insurance coverages explained

Understanding the coverages of insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Collision insurance

Collision coverage will pay to fix damage to your Grand Am resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as damaging your car on a curb, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Auto liability insurance

Liability insurance provides protection from damage that occurs to people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for things like structural damage, court costs, funeral expenses, legal defense fees and medical expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, hitting a bird, hail damage, damage from a tornado or hurricane and falling objects. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 1997 Pontiac Grand Am.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills for things like pain medications, doctor visits and surgery. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Shop Smart and Save

We just covered a lot of ways to compare 1997 Pontiac Grand Am insurance prices online. The most important thing to understand is the more times you quote, the better chance you’ll have of finding lower rates. Drivers may discover the most savings is with the least-expected company.

Cheap insurance can be found on the web and with local insurance agents, and you need to price shop both to have the best selection. There are still a few companies who do not offer online quoting and most of the time these small, regional companies sell through independent agents.

As you prepare to switch companies, never buy poor coverage just to save money. There are too many instances where consumers will sacrifice liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage at an affordable rate.

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