2000 Pontiac Grand Am Insurance Quotes

Want lower insurance coverage rates for your Pontiac Grand Am? Have you fallen victim to overpriced insurance coverage? Trust us, you’re not alone. You have multiple insurance companies to purchase coverage from, and although it’s nice to have a choice, lots of choices makes it harder to compare company pricing.

Cut your car insurance rates with discounts

Insurance can be prohibitively expensive, but you can get discounts to reduce the price significantly. Most are applied when you purchase, but lesser-known reductions have to be requested specifically in order for you to get them. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Sign Online – A handful of insurance companies give back up to $50 for buying your policy digitally online.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Pontiac could qualify for better rates on cars that stay parked.
  • Bundle and Save – If you have multiple policies with one insurance company you will save at least 10% off all policies.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less for Grand Am insurance than drivers with accidents.
  • Homeowners Discount – Owning a house may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, car insurance companies aren’t that generous. But any discount will help reduce your premiums.

To see a list of insurers offering car insurance discounts, click this link.

Insurance Comparisons

Most major insurance companies such as State Farm, Allstate and Geico give prices for coverage directly from their websites. The process is quite simple as you simply type in your coverage information as detailed in the form. Behind the scenes, their rating system requests your driving record and credit report and gives you a price quote. Online price quotes makes it a lot easier to compare rates but the work required to visit many different websites and enter the same data into a form is not the best way to spend an afternoon. But it is imperative to do this if you are searching for better prices.

The quickest way to find better insurance pricing utilizes a single form to obtain quotes from many companies. This type of form saves time, reduces the work, and makes quoting online much more enjoyable and efficient. As soon as the form is sent, your coverage is rated and you can select any one of the returned quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The entire process takes 15 minutes at the most and you will find out if you’re overpaying now.

To save time and find out how much you’re overpaying now, click here to open in a new tab and begin entering your coverage information. If you have coverage now, it’s recommended you enter the insurance coverages just like they are on your policy. This ensures you will have comparison quotes based on the exact same insurance coverage.

You are unique and your insurance should be too

When it comes to buying proper insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions can help discover whether you would benefit from an agent’s advice.

  • Can I rent a car in Mexico?
  • What is UM/UIM insurance?
  • Are rental cars covered under my policy?
  • What is PIP insurance?
  • Is my state a no-fault state?
  • When should I not file a claim?
  • Is my nanny covered when driving my vehicle?
  • Am I covered when driving on a suspended license?
  • Am I covered if I break a side mirror?
  • How much liability do I need to cover my assets?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Coverage specifics

Learning about specific coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on the average insurance policy.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a deer, theft, a broken windshield, hitting a bird and damage from getting keyed. The most a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability

Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different 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 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as emergency aid, bail bonds, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers

This provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Pontiac Grand Am.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently these limits do not exceed the liability coverage limits.

Coverage for collisions

This pays for damage to your Grand Am from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as backing into a parked car, hitting a parking meter, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses like funeral costs, pain medications and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Quote more. Save more.

We’ve covered many tips how you can compare 2000 Pontiac Grand Am insurance prices online. The key concept to understand is the more you quote, the higher your chance of finding lower rates. Drivers may discover the best price on insurance coverage is with the smaller companies. They can often insure niche markets at a lower cost than the large multi-state companies such as Geico and State Farm.

Cost effective insurance is possible both online as well as from independent agents, so compare prices from both so you have a total pricing picture. Some insurance companies don’t offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

To read more, take a look at these articles: