1994 Pontiac Grand Am Insurance Rates
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UPDATED: Nov 23, 2017
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Buyers have lots of choices when searching for low-cost Pontiac Grand Am insurance. They can either waste time contacting agents to compare prices or save time using the internet to find the lowest rates.
There are both good and bad ways to compare insurance rates so we’re going to tell you the quickest way to get price quotes for your Pontiac and locate the best price possible either online or from local insurance agents.
You should take the time to price shop coverage once or twice a year because insurance rates tend to go up over time. Even if you got the best rates on Grand Am insurance a couple years back the chances are good that you can find a lower rate today. Don’t believe everything you read about insurance online, so with this article, you’re going to get a lot of great tips on how to save money.
If you have insurance now or are just looking to switch companies, you can use these techniques to get lower rates while maximizing coverage. The purpose of this article is to teach you the most effective way to quote insurance. Drivers just need to understand how to get comparison quotes online.
Pontiac Grand Am rates are complex
Consumers need to have an understanding of the rating factors that help determine insurance coverage rates. Knowing what determines base rates allows you to make educated decisions that could result in big savings.
The following are a partial list of the pieces companies use to determine premiums.
- Claim-free discounts can add up – If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Companies provide lower rates to policyholders who do not file claims often. Auto insurance is intended for larger claims.
- Better credit means lower rates – Your credit rating is a big factor in calculating your insurance coverage rates. People with excellent credit tend to be more responsible than those with lower credit ratings. If your credit rating can use some improvement, you could save money insuring your 1994 Pontiac Grand Am by improving your rating.
- Bad driving skills means higher rates – Careful drivers tend to pay less for car insurance than bad drivers. Only having one moving violation can boost insurance rates twenty percent or more. Drivers with serious tickets such as reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
- Where you reside plays a part – Being located in small towns and rural areas can be a good thing when it comes to insurance coverage. Lower population means fewer accidents as well as less vandalism and auto theft. Drivers who live in large cities have to deal with much more traffic to deal with and longer commutes to work. More time on the road means higher likelihood of an accident.
- Extra add-on coverages are wasting money – There are many add-on coverages you can purchase on your insurance coverage policy. Coverages like vanishing deductibles, better glass coverage and term life insurance are examples of these. They may seem like a good idea when talking to your agent, but if they’re wasting money get rid of them and save.
- Your spouse saves you money – Getting married helps lower the price when buying insurance coverage. Having a significant other usually means you are more mature and it’s statistically proven that married couples file fewer claims.
- Battle of the sexes – The statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men have accidents at about the same rate, but the males have costlier accidents. They also have more aggressive citations like DUI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and therefore have the most expensive insurance coverage rates.
How to Get Cheap Insurance
There are a lot of ways you can shop for insurance but some are easier and takes less work. You can spend your afternoon driving to local insurance agents in your area, or you could save time and use the internet to get pricing more quickly.
Most car insurance companies belong to an insurance system that allows shoppers to send in one quote, and at least one company returns a rated price determined by their information. This prevents consumers from doing repetitive form submissions for each company.
To use this form to compare 1994 Pontiac Grand Am insurance rates click to open in new window.
The one downside to getting quotes like this is you don’t know exactly the companies to get pricing from. So if you prefer to choose specific insurance companies to receive pricing from, we have assembled a list of low cost insurance companies in your area. View list of insurance companies.
It’s up to you how you get prices quotes, just make absolute certain that you use identical coverages and limits with each company. If you use different values for each quote it will be impossible to make an equal comparison.
These discounts can lower your rates
Insurance can cost an arm and a leg, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically when you quote, but less common discounts must be specifically requested before they will apply. If you don’t get every credit available, you’re paying more than you need to.
- Multi-car Discount – Buying coverage for more than one vehicle with the same company may reduce the rate for each vehicle.
- Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education in high school.
- Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
- Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
- Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of more than 20%.
- Claim Free – Drivers who don’t have accidents pay less when compared to accident-prone drivers.
- Auto/Life Discount – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
- Save with a New Car – Adding a new car to your policy can save up to 30% since new cars are generally safer.
As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will cut your overall premium however.
For a list of insurers who offer auto insurance discounts, click here to view.
Different people need different coverages
When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different.
For example, these questions might help in determining whether your personal situation would benefit from an agent’s advice.
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Do I have coverage for damage caused while driving under the influence?
- Is my state a no-fault state?
- Does my 1994 Pontiac Grand Am need full coverage?
- Am I getting all the discounts available?
- Do I need medical payments coverage since I have good health insurance?
- Does liability extend to a camper or trailer?
- Are my tools covered if they get stolen from my vehicle?
- Why do I need rental car insurance?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.
Auto insurance specifics
Knowing the specifics of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance pay for bills for things like prosthetic devices, ambulance fees, funeral costs, rehabilitation expenses and hospital visits. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible
This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as hitting a deer, rock chips in glass and a broken windshield. 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 it’s not worth carrying full coverage.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Pontiac Grand Am.
Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Liability insurance will cover damage or injury you incur to a person or their property. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage protects against claims like court costs, legal defense fees, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.
Coverage for collisions
This coverage covers damage to your Grand Am resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims such as hitting a mailbox, backing into a parked car, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.
Have money to burn
Consumers change insurance companies for a number of reasons such as being labeled a high risk driver, poor customer service, not issuing a premium refund and even high rates after DUI convictions. It doesn’t matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.
Lower-priced 1994 Pontiac Grand Am insurance can be found on the web as well as from independent agents, and you should be comparing both to have the best selection. Some car insurance companies don’t offer online price quotes and these smaller companies work with independent agents.
While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. Your aim should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.
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