2001 Pontiac Grand Am Car Insurance Quotes

Locating low-cost insurance for your Pontiac Grand Am can turn out to be an all-consuming task, but you can follow our auto insurance buying tips to save time.

There is a right way and a wrong way to find auto insurance online so you’re going to learn the quickest way to compare rates for your Pontiac and find the best price possible.

Consumers should take time to shop coverage around quite often because insurance rates tend to go up over time. Even if you think you had the lowest price on Grand Am coverage a few years ago a different company probably has better rates today. Starting now, ignore everything you know about auto insurance because I’m going to teach you the fastest and easiest way to find better rates and still maintain coverage.

Buying the lowest cost insurance coverage coverage is not that difficult. If you are insured now or are just looking to switch companies, you can use these tips to reduce the price you pay and possibly find even better coverage. Drivers only need an understanding of the most effective way to shop online.

Finding Insurance Deals

Getting a cheaper price on 2001 Pontiac Grand Am insurance doesn’t have to be difficult. Just take a few minutes to compare rate quotes provided by online insurance companies. This can be accomplished using a couple different methods.

  1. The single most time-saving way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This easy form eliminates the need for separate quote forms for each company. Filling out one form gets rate comparisons from several companies. It’s the fastest way to compare.
  2. A more time consuming way to find lower rates is going to each company’s website to complete their respective quote request forms. For sake of this example, we’ll pretend you want to compare Auto-Owners, Geico and GMAC. You would have to take the time to go to each site to input your insurance information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The hardest way to compare rates is to spend time driving to local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you have a need for the trained guidance of a local agent. You can, however, price shop online and get advice from an agent in your area and you’ll learn how to do that later.

It’s up to you how you get prices quotes, just ensure you are comparing apples-to-apples information for every quote you compare. If your comparisons have different limits and deductibles on each one then you won’t be able to decipher which rate is best.

Pontiac Grand Am insurance rates have many determining factors

Smart consumers have a good feel for some of the elements that play a part in calculating auto insurance rates. When you know what positively or negatively determines base rates enables informed choices that could result in much lower annual insurance costs.

  • More claims means more premium – If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies provide better rates to insureds who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of the large, substantial claims.
  • Little extras can really add up – There are a lot of additional coverages that can waste your money on your 2001 Grand Am policy. Coverages for roadside assistance, accident forgiveness and membership fees are some examples. They may seem good when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Car features impact rates – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • With age comes lower rates – Youthful drivers are known to be careless and easily distracted when driving so auto insurance rates are higher. Adding a youthful driver onto a policy can break the bank. More mature drivers are more cautious drivers, tend to file fewer claims and are safer drivers.
  • Where you live – Residing in a rural area is a positive aspect when insuring your vehicles. Fewer people means reduced accidents. City drivers regularly have more traffic problems and a longer drive to work. Higher commute times translates into higher accident risk.
  • Having a spouse can save you money – Getting married can actually save you money on your policy. Having a significant other is viewed as being more mature and responsible it has been statistically shown that drivers who are married are more cautious.
  • Traffic violations increase rates – Your driving citation history has a huge affect on how much you pay. Just one moving violation may increase your cost by as much as thirty percent. Drivers with clean records receive lower rates than bad drivers. Drivers who have serious citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 with the DMV in their state in order to continue driving.
  • Males pay more for insurance – The statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Men and women tend to get into accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to have more aggressive citations like reckless driving and DUI. Teenage male drivers are the most expensive to insure and therefore have the most expensive auto insurance rates.

Lots of discounts mean lots of savings

Properly insuring your vehicles can get expensive, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of purchase, but a few must be asked for before being credited. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Resident Student – Youth drivers who live away from home and don’t have a car may qualify for this discount.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • E-sign – A handful of insurance companies will give a small break for buying a policy and signing up online.
  • Low Mileage Discounts – Driving fewer miles can earn lower rates on the low mileage vehicles.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before raising your premiums if your claims history is clear prior to the accident.
  • Save with a New Car – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.

It’s important to understand that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as comp or med pay. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way. But any discount will bring down your premiums.

Companies that may offer these discounts include:

Check with all companies you are considering how you can save money. Some discounts might not apply in your state.

Situations that might require an agent

When it comes to choosing adequate coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique.

For example, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • What should my uninsured motorist coverage limits be in my state?
  • Should I rate my 2001 Pontiac Grand Am as pleasure use or commute?
  • Is motorclub coverage worth it?
  • Is there coverage for injuries to my pets?
  • Should I carry comprehensive and collision coverage?
  • How do I buy GAP insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I afford to buy a different vehicle if my 2001 Pontiac Grand Am is totaled?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and you can get the answers you need.

Insurance coverages and their meanings

Learning about specific coverages of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Pontiac Grand Am.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive auto coverage – This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, hail damage, vandalism and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability – Liability coverage will cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

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. You commonly see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as court costs, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for dental work, X-ray expenses, EMT expenses, pain medications and nursing services. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision coverages – This coverage pays for damage to your Grand Am resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like sustaining damage from a pot hole, crashing into a ditch, hitting a parking meter, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Power to the consumer

Consumers who switch companies do it for a variety of reasons including not issuing a premium refund, high rates after DUI convictions, delays in paying claims and even policy cancellation. No matter why you want to switch, finding a new company is pretty easy and you might even save some money in the process.

As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. In many cases, drivers have reduced comprehensive coverage or liability limits and found out when filing a claim they didn’t have enough coverage. The proper strategy is to buy a smart amount of coverage at an affordable rate while still protecting your assets.

Affordable 2001 Pontiac Grand Am insurance is available on the web and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers do not offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

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