Lower Your 1995 Pontiac Grand Am Car Insurance Rates

Want cheaper insurance coverage rates for your Pontiac Grand Am? Consumers who are new to comparison shopping online can find shopping for the cheapest insurance coverage quite difficult.

Quick Car Insurance Quotes

Comparing car insurance rates can take hours if you don’t utilize the most efficient way. You could waste time talking about coverages with local insurance agents in your area, or you could save time and use the internet to get pricing more quickly.

Most of the larger companies belong to a marketplace that enables customers to submit one quote, and every company returns a rated price determined by their information. This system prevents you from having to do quotation requests to every company.

To submit your quote information now, click here to open in new window.

The only drawback to doing it this way is you can’t choose the providers to get pricing from. So if you want to select specific insurance companies to compare prices, we put together a list of low cost car insurance companies in your area. Click to view list.

Whichever method you choose, make sure you use identical coverage limits and deductibles for every company. If you have different limits and deductibles on each one it will be impossible to make a fair comparison for your Pontiac Grand Am. Slightly different coverage limits may cause a big price difference. It’s important to know that quoting more gives you a better chance of getting better pricing.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions might point out if your insurance needs will benefit from professional help.

  • When should I drop full coverage on my 1995 Pontiac Grand Am?
  • Is my cargo covered for damage or theft?
  • Do I need PIP coverage since I have good health insurance?
  • What is UM/UIM insurance?
  • What are the financial responsibility laws in my state?
  • Does coverage extend to a rental car in a foreign country?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form.

The coverage is in the details

Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

UM/UIM Coverage – Your UM/UIM coverage gives you 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.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance – Med pay and PIP coverage reimburse you for bills such as funeral costs, doctor visits and nursing services. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like falling objects, damage from flooding and hitting a deer. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages – Liability insurance can cover damage that occurs to people or other property that is your fault. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things like pain and suffering, repair bills for other people’s vehicles, medical services and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Collision – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.