1999 Pontiac Grand Am Insurance Rates – 6 Discounts for Best Quotes

Consumers have lots of choices when looking for the best price on Pontiac Grand Am insurance. You can either spend your time driving around getting price quotes or save time using the internet to find the lowest rates.

There are both good and bad ways to buy auto insurance so you’re going to learn the absolute fastest way to compare rates for your Pontiac and locate the lowest possible price either online or from local insurance agents.

It’s a good habit to get comparison quotes every six months because auto insurance prices change frequently. Despite the fact that you may have had the best deal for Grand Am coverage at your last renewal a different company probably has better rates today. There is too much inaccurate information about auto insurance online but we’re going to give you a lot of great tips on how to lower your auto insurance rates.

This information will introduce you to the best way to quote coverages and some money-saving tips. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Drivers just need to understand the tricks to buy car insurance online.

Finding car insurance

There are multiple methods to compare car insurance prices but one way is less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you could save time and use online quoting to quickly compare rates.

Most car insurance companies participate in an industry program where prospective buyers submit their information once, and each company returns a rated price based on that information. This system prevents you from having to do form submissions for every car insurance company.

To access this free quoting program, click here (opens in new window).

The only drawback to using this type of system is that consumers can’t choose the insurers to receive prices from. So if you prefer to pick from a list of companies to receive pricing from, we have a page of car insurance companies in your area. View list of insurance companies.

Whichever way you use, make sure you compare identical coverages for each price quote. If your comparisons have different deductibles you will not be able to truly determine the lowest rate.

Does car insurance advertising bend the truth?

Consumers can’t avoid all the ads that claim the lowest rates by 21st Century, Allstate and State Farm. All the companies say the same thing that people will save if you get a free auto insurance quote and switch your policy.

It sounds good, but how can they all save you money? You have to listen carefully.

Insurance providers require specific criteria for the type of customer that will not have excessive claims. A good example of a desirable risk may be between the ages of 30 and 50, has no prior claims, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” may get the lowest auto insurance rates and as a result will probably save money with a new company.

Drivers who may not quite match this ideal profile may be forced to pay higher premium rates which usually ends up with the driver buying from a lower-cost company. If you pay close attention to the ads, they say “customers that switch” not “everyone who quotes” will save that much if they switch. That is how insurance companies can advertise the savings.

Each company has different criteria, so you should do a rate comparison at every renewal. It is impossible to guess with any certainty which company will have the lowest rates.

Find discounts to get cheap insurance quotes

Insurance can be prohibitively expensive, but companies offer discounts that may help make it more affordable. Some discounts will apply at the time of purchase, but some may not be applied and must be asked about before being credited.

  • Low Mileage Discounts – Low mileage vehicles could qualify for cheaper premium rates.
  • Lower Rates for Military – Being deployed in the military may lower your rates slightly.
  • Save with a New Car – Buying a new car model can save up to 30% due to better safety requirements for newer models.
  • Life Insurance Discount – Insurance companies who offer life insurance give a discounted premium rate on car insurance if you buy life insurance.
  • Driver Safety – Taking time to complete a course that instructs on driving safety could save 5% or more and make you a better driver.
  • Clubs and Organizations – Being in qualifying clubs or civic groups could earn you a nice discount on your bill.

It’s important to note that most discounts do not apply to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. Despite the appearance that it’s possible to get free car insurance, you’re out of luck.

Companies who may offer most of these discounts possibly include:

It’s a good idea to ask all the companies to give you their best rates. Some credits may not be available in your area. If you would like to see a list of insurance companies that offer multiple discounts, click this link.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether or not you might need an agent’s assistance.

  • Can my teen drive my company car?
  • Am I getting all the discounts available?
  • Do I need added coverage for expensive stereo equipment?
  • Does coverage extend to a rental car in a foreign country?
  • How much liability insurance is required?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I afford to buy a different vehicle if my 1999 Pontiac Grand Am is totaled?
  • Does my car insurance cover rental cars?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form. It is quick, free and you can get the answers you need.

Coverages available on your auto insurance policy

Knowing the specifics of auto insurance aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Grand Am.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Coverage for liability – Liability coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims such as medical expenses, repair bills for other people’s vehicles, bail bonds, structural damage and emergency aid. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Collision coverages – This coverage covers damage to your Grand Am resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a ditch, scraping a guard rail, hitting a parking meter, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Comprehensive or Other Than Collision – This covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, vandalism, rock chips in glass and falling objects. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as pain medications, funeral costs and chiropractic care. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Shop. Compare. Save.

Budget-conscious 1999 Pontiac Grand Am insurance can be bought online and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies may not have rate quotes online and many times these small insurance companies prefer to sell through independent agencies.

When buying insurance coverage, never reduce needed coverages to save money. There are too many instances where an insured dropped liability limits or collision coverage only to regret at claim time that they should have had better coverage. Your goal is to purchase plenty of coverage for the lowest price and still be able to protect your assets.

In this article, we presented many ideas to lower your 1999 Pontiac Grand Am insurance car insurance rates. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the best price on insurance is with a small local company.

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