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1993 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 cheaper car insurance rates for your Pontiac Grand Am? People not familiar with buying insurance online will find shopping for cut-rate car insurance to be a formidable task.

It is always a good idea to compare rates occasionally because insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal for Grand Am insurance two years ago you may be paying too much now. Starting right now, ignore everything you know about car insurance because I’m going to teach you the things you must know in order to remove unneeded coverages and save money.

Take advantage of discounts

Car insurance can cost a lot, but you can get discounts that you may not even be aware of. Certain discounts will be applied when you complete an application, but a few must be requested specifically prior to receiving the credit.

  • Federal Government Employee – Simply working for the federal government may qualify you for a discount for Grand Am insurance depending on your company.
  • Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiration. The savings is around 10%.
  • No Claims – Drivers with accident-free driving histories pay much less compared to accident-prone drivers.
  • Multi-policy Discount – If you have multiple policies with one insurance company you will save approximately 10% to 15%.
  • Resident Student – Youth drivers who live away from home and don’t have a car can be insured at a reduced rate.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Accident Waiver – A handful of insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Drive Less and Save – Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Club Memberships – Being a member of a professional or civic organization is a good way to get lower rates on your policy for Grand Am insurance.

Consumers should know that some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as comprehensive or collision. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way. But any discount will reduce your overall premium however.

To see a list of providers with discount insurance rates, follow this link.

Is there truth in advertising?

State Farm, GEICO and Progressive constantly bombard you with ads on TV and radio. All the companies have a common claim that you’ll save big if you switch to their company. But how can every company make the same claim?

All companies can use profiling for the right customer that is profitable for them. For instance, a desirable insured could be over the age of 40, has no tickets, and drives less than 7,500 miles a year. Any new insured who meets those qualifications will get very good rates and therefore will save a lot of money.

Potential customers who don’t meet these standards will be charged higher premiums and this can result in the customer not buying. The ads state “customers who switch” not “everyone that quotes” save that kind of money. This is how companies can truthfully make the claims of big savings.

That is why you should compare many company’s rates. Because you never know the company that will have the lowest Pontiac Grand Am insurance rates.

How to know if you need help

When buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that can help discover whether your personal situation will benefit from professional help.

  • Do I need added coverage for expensive stereo equipment?
  • How high should deductibles be on a 1993 Pontiac Grand Am?
  • What is PIP insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered if I hit a deer?
  • Does liability extend to a camper or trailer?
  • When can my company non-renew my policy?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Car insurance specifics

Knowing the specifics of a car insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive coverages

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as fire damage, hitting a bird and hitting a deer. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 1993 Pontiac Grand Am.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Auto collision coverage

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

Collision can pay for things such as scraping a guard rail, rolling your car and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Liability coverage

This protects you from damage or injury you incur to other’s property or people. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

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 liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like structural damage, pain and suffering, funeral expenses, medical expenses and emergency aid. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as X-ray expenses, nursing services, dental work, doctor visits and funeral costs. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Money doesn’t grow on trees

Cheaper 1993 Pontiac Grand Am insurance is possible on the web and with local insurance agents, and you should be comparing both to get a complete price analysis. Some auto insurance companies do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

In this article, we covered a lot of techniques to get a better price on insurance. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the best price on auto insurance is with the least-expected company.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. The ultimate goal is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

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