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Pontiac Grand Am Insurance Rates

You have many choices when trying to insure your Pontiac vehicle. You can buy from an insurance agent or price shop online to compare insurance costs of multiple insurance companies. Buying car insurance on the web is simple to do, in addition you may find lower rates.

Shopping online for car insurance can be complicated if you have never used online rate quotes. But don't let that discourage you because we're going to show you how. The are a couple different ways of comparing rates from local car insurance companies. The quickest method to find the cheapest Grand Am insurance quotes is to get quotes online. This is very easy and can be done by getting a quick quote here.

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Criteria which help determine Grand Am insurance cost

Insurance premiums for a Pontiac Grand Am will vary greatly subject to many criteria. A few of these criteria are:

  • More performance equals higher cost
  • Your accident history
  • Multiple policies can save money
  • Use of your vehicle
  • Your birth date
  • Being married may save money
  • Optional coverages like vehicle replacement
  • Your job
  • Your coverage level
  • Owning a home can lower rates

One important consideration that helps determine your rates is the age of the vehicle. Older models have a much lower replacement value compared to new Pontiac models so repair costs tend to be lower which can decrease annual premiums. On the flip side, newer vehicles have more advanced features like adaptive cruise control, sideview assist mirrors, and tire pressure monitors so those may help offset higher rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your Grand Am from the following list.

Liability car insurance

Grand Am liability coverage can cover injuries or damage you cause to other people or property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so buy as much as you can afford.

Collision coverage

Collision insurance covers damage to your Pontiac caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Grand Am collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper Grand Am insurance rates.

Comprehensive car insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for bills like ambulance fees, surgery, and doctor visits. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Personal injury protection coverage is not an option in every state and may carry a deductible.

How Much are Pontiac Grand Am Insurance Rates?