1991 Pontiac Le Mans Insurance Quotes – 7 Discounts for Cheapest Rates

Having to pay for overpriced Pontiac Le Mans insurance can empty your personal savings and make it hard to pay other bills. Doing a price comparison is a great way to slash your bill and have more diposable income. Companies like Allstate, Progressive and Geico continually hit you with catchy ads and it can be hard to sift through the bull and find the best price available.

More discounts equal less premium

Car insurance can cost a lot, but there are discounts available to help bring down the price. A few discounts will automatically apply when you complete an application, but a few must be asked for prior to receiving the credit. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Student in College – Kids in college living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Multiple Cars – Having all your vehicles on one policy may reduce the rate for each vehicle.
  • Safety Course Discount – Taking part in a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Pontiac could qualify for discounted rates on garaged vehicles.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
  • New Car Discount – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, companies wouldn’t make money that way. But any discount will help reduce your overall premium however.

A partial list of companies that possibly offer these discounts include:

Before buying, ask all companies you are considering how you can save money. Some discounts might not apply in your state.

It’s not one size fits all

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions could help you determine if your insurance needs would benefit from professional advice.

  • Can I drive in Mexico and have coverage?
  • Are split liability limits better than a combined single limit?
  • Do I pay less for low miles?
  • Will my insurance pay for OEM parts?
  • Is upholstery damage covered by car insurance?
  • Does my insurance cover a custom paint job?
  • Do I need rental car coverage?
  • What vehicles should carry emergency assistance coverage?
  • What is the rate difference between pleasure use and commuting?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.

Coverages available on your policy

Having a good grasp of your insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on most insurance policies.

Collision coverages – Collision coverage pays for damage to your Le Mans from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sideswiping another vehicle, hitting a mailbox, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, damage from flooding and vandalism. The maximum payout a insurance company will pay at claim time 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.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Pontiac Le Mans.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability auto insurance – This protects you from injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as medical expenses, structural damage, repair bills for other people’s vehicles, court costs and loss of income. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for bills for things like dental work, hospital visits, pain medications and chiropractic care. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Coverage on a shoestring budget

Low-cost 1991 Pontiac Le Mans insurance is attainable online and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

While you’re price shopping online, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where someone dropped full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage for the lowest price.

Even more information is available in the articles below: