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1991 Pontiac Grand Am Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 23, 2017

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Searching for the cheapest car insurance over the internet can be difficult for people who are new to comparison shopping online. Because there are so many insurers available, how can you possibly compare the different rates to find the cheapest rates?

These five discounts can slash car insurance rates

Companies offering auto insurance don’t list all available discounts in a way that’s easy to find, so we break down some of the more common and the more hidden savings tricks you should be using.

  • Auto/Home Discount – When you have multiple policies with the same insurance company you may save up to 20% off your total premium.
  • Safe Drivers – Safe drivers may receive a discount up to 45% less for Grand Am insurance than drivers with accidents.
  • Drivers Education – Have your child enroll in driver’s education in school.
  • Early Signing – Some companies give discounts for switching policies before your current expiration date. This can save 10% or more.
  • No Charge for an Accident – Certain companies will forgive one accident before raising your premiums if you are claim-free for a certain period of time.

Drivers should understand that most credits do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky.

To see a list of providers with discount car insurance rates, click here.

When might I need the advice of an agent?

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

Here are some questions about coverages that might help in determining if you might need an agent’s assistance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need PIP coverage since I have good health insurance?
  • Does my insurance cover a custom paint job?
  • Does insurance cover damages from a DUI accident?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my dog or cat covered if injured in an accident?
  • Should I buy full coverage?
  • Do I need more liability coverage?
  • Do I need replacement cost coverage on my 1991 Pontiac Grand Am?
  • Which companies will insure high-risk drivers?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form.

Insurance coverage myths debunked

Companies like Allstate, GEICO and Progressive constantly bombard you with ads on television and other media. All the ads make an identical promise that you’ll save big if you switch your coverage to them. How can each company make almost identical claims? It’s all in the numbers.

All companies have a certain “appetite” for the right customer that makes them money. A good example of a driver they prefer might be profiled as between 30 and 50, owns a home, and drives less than 10,000 miles a year. Any new insured who meets those qualifications receives the best rates and as a result will probably save when they switch companies.

Consumers who don’t measure up to the requirements will have to pay a more expensive rate which leads to the customer not buying. The ad wording is “customers that switch” not “everybody who quotes” save that much money. That is how insurance companies can state the savings. Because of the profiling, drivers should get a wide range of price quotes. It’s not possible to predict which insurance coverage company will give you the biggest savings on Pontiac Grand Am insurance.

Coverages available on your policy

Knowing the specifics of your car insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive protection – This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as fire damage, damage from flooding and hitting a deer. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage – Collision coverage will pay to fix damage to your Grand Am caused by 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 can pay for things such as hitting a parking meter, rolling your car, colliding with a tree, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Auto liability insurance – Liability coverage protects you from injuries or damage you cause to other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as funeral expenses, repair costs for stationary objects, pain and suffering and medical services. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Uninsured or underinsured coverage – This provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Pontiac Grand Am.

Since a lot of 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 is very important.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for expenses such as rehabilitation expenses, hospital visits, ambulance fees and doctor visits. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

A tidy conclusion

People change insurance companies for a number of reasons such as high rates after DUI convictions, high prices, policy cancellation and even poor customer service. No matter why you want to switch, switching companies can be pretty painless.

You just read a lot of tips how to get a better price on 1991 Pontiac Grand Am insurance. The key concept to understand is the more you quote, the higher the chance of saving money. Consumers may even find the best prices are with the least-expected company.

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced collision coverage and found out when filing a claim they didn’t have enough coverage. The ultimate goal is to get the best coverage possible at a price you can afford.

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