1994 Pontiac Grand Am Insurance Rates – 5 Tricks for Best Quotes

Shoppers have many options when shopping for the best price on Pontiac Grand Am insurance. They can either spend hours driving around to compare prices or utilize the internet to get rate quotes.

There is a right way and a wrong way to shop for auto insurance and we’ll show you the absolute fastest way to price shop coverage for a Pontiac and obtain the lowest price.

How to get affordable car insurance

There are a lot of ways you can shop for car insurance but there is one way that is easier and takes less work. You can spend countless hours talking to local insurance agents in your area, or you could save time and use online quotes to achieve your goal.

Most of the best insurance companies take part in a program that allows shoppers to enter their policy data once, and each company returns a competitive quote determined by their information. This system prevents you from having to do quote forms to each individual car insurance company. To compare pricing click to open in new window.

The single downside to using this type of system is that you can’t choose the providers to get quotes from. So if you want to select from a list of companies to compare prices, we put together a list of car insurance companies in your area. Click here to view list.

Whichever method you choose, ensure you’re using nearly identical deductibles and coverage limits with every price quote. If each company quotes different deductibles it will be impossible to determine which rate is truly the best.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage for your vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

These are some specific questions may help highlight whether or not you would benefit from an agent’s advice.

  • When would I need additional glass coverage?
  • Which companies will insure high-risk drivers?
  • Does medical payments coverage apply to all occupants?
  • Is motorclub coverage worth it?
  • Do I really need UM/UIM coverage?
  • Is my state a no-fault state?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Coverages available on your policy

Learning about specific coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Liability auto insurance

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

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like loss of income, repair bills for other people’s vehicles, bail bonds, legal defense fees and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for doctor visits, rehabilitation expenses, chiropractic care and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like sustaining damage from a pot hole, crashing into a ditch, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hail damage, rock chips in glass, a broken windshield and fire damage. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Pontiac Grand Am.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.