1996 Pontiac Grand Am Insurance Rates – 7 Tricks for Best Quotes

Trying to find the cheapest insurance rates for your Pontiac Grand Am? Have you had enough of trying to scrape together enough money to buy car insurance? You are no different than many other drivers.

Numerous auto insurance companies battle for your business, and because of this it can be hard to compare insurers and get the best coverage at the lowest rate possible.

Finding Insurance Deals

There are several ways of comparing rates from different insurance companies. One of the best ways to compare 1996 Pontiac Grand Am insurance prices is to get quotes online. This can be done in just a few minutes using one of these methods.

  1. One of the simplest ways consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating repetitive form entry to each individual insurance company. Completing one form gets rate comparisons from insurance companies with the best prices.
  2. A less efficient way to compare prices requires a visit to each company website and complete a new quote form. For instance, we’ll pretend you want rates from Progressive, Farmers and Allstate. You would have to go to every website to input your insurance information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but ensure you’re using the exact same coverage limits with each company. If you enter unequal deductibles or liability limits it’s impossible to make an equal comparison. Having just a slight variation in limits may result in a large different in cost. Just keep in mind that quoting more will increase your chances of finding the best rates.

Discounts on 1996 Pontiac Grand Am insurance

Companies that sell car insurance don’t list all available discounts in a way that’s easy to find, so we researched some of the best known and the harder-to-find ways to save on insurance.

  • Accident Waiver – Some insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a set time period.
  • Defensive Driver – Successfully completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Safe Driver Discount – Insureds without accidents may save up to 50% more for Grand Am coverage than drivers with accidents.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Low Mileage Discounts – Driving fewer miles could qualify for a substantially lower rate.
  • Sign Early and Save – Some companies give discounts for switching to them prior to your current policy expiring. It can save you around 10%.
  • Claim Free – Good drivers with no accidents can save substantially compared to bad drivers.

Consumers should know that some of the credits will not apply to all coverage premiums. Some only apply to individual premiums such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck.

For a list of insurers with discount insurance rates, follow this link.

Tailor your coverage to you

When it comes to buying the best insurance coverage, there is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions might point out whether you could use an agent’s help.

  • What if I total my 1996 Pontiac Grand Am and owe more than it’s worth?
  • Does coverage extend to Mexico or Canada?
  • Am I covered if I hit a deer?
  • Why do I need rental car insurance?
  • Will filing a claim cost me more?
  • Is business property covered if stolen from my car?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Coverages available on your insurance policy

Having a good grasp of a insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average insurance policy.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a broken windshield, hitting a deer and damage from getting keyed. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance

Med pay and PIP coverage pay for short-term medical expenses for X-ray expenses, prosthetic devices and chiropractic care. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

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

Collision can pay for claims like hitting a mailbox, sustaining damage from a pot hole, crashing into a building, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Liability insurance

This protects you from damages or injuries you inflict on other people or property in an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

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 liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as pain and suffering, structural damage, legal defense fees, funeral expenses and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage

This coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Pontiac Grand Am.

Since 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 should not be overlooked.

Buy Smart and Save

As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. There are too many instances where someone dropped liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

We just presented a lot of tips how to save on 1996 Pontiac Grand Am insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may even find the lowest rates come from a lesser-known regional company. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like State Farm and Allstate.

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