1998 Pontiac Grand Am Insurance Rates
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UPDATED: Oct 12, 2017
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Want the cheapest insurance rates for your Pontiac Grand Am? Tired of paying out the nose each month for car insurance? You are in the same boat as many other drivers.
Many auto insurance companies compete for your insurance dollar, and it can be difficult to compare rates to get the cheapest price
If you currently have a car insurance policy, you will be able to cut costs considerably using these methods. Finding the best rates is quite easy. But vehicle owners must learn how the larger insurance companies market on the web and apply this information to your search.
How to Compare Insurance
Shopping for lower insurance rates can be exhausting if you aren’t aware of the fastest way to get free quotes. You can spend countless hours talking to agents in your area, or you can utilize online quoting to get prices fast.
Many popular insurance companies take part in a program that allows shoppers to enter their policy data once, and every company returns a competitive quote determined by their information. This prevents consumers from doing repetitive form submissions for each company.
To use this form to compare 1998 Pontiac Grand Am insurance rates click to open in new window.
The one disadvantage to getting quotes like this is buyers cannot specifically choose which providers you will receive quotes from. So if you prefer to choose from a list of companies to compare prices, we have a listing of 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 exactly the same coverage limits for every quote you compare. If you have mixed coverages you will not be able to find the best deal for your Pontiac Grand Am. Just a small difference in coverage limits may cause a big price difference. And when comparison shopping, more quotes will increase your chances of finding better pricing.
Are you getting all your discounts?
Car insurance companies don’t always publicize all their discounts very clearly, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using.
- Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
- No Accidents – Good drivers with no accidents pay much less as compared to frequent claim filers.
- Senior Citizens – If you’re over the age of 55, you can possibly qualify for better insurance rates on Grand Am coverage.
- Good Student – Getting good grades can save 20 to 25%. Earning this discount can benefit you until age 25.
- Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
- Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
- E-sign – Certain companies give back up to $50 for buying a policy and signing up on their website.
- More Vehicles More Savings – Having multiple cars or trucks with the same company qualifies for this discount.
- Multiple Policy Discount – When you combine your home and auto insurance with one company you will save approximately 10% to 15%.
Drivers should understand that many deductions do not apply to the overall cost of the policy. Some only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way.
Car insurance companies who might offer some of the above discounts include:
Before buying, ask all companies you are considering what discounts are available to you. Some discounts may not be available in your area.
When might I need an agent?
When buying coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For example, these questions might point out whether you may require specific advice.
- Am I covered when driving someone else’s vehicle?
- When should I not file a claim?
- How high should my medical payments coverage be?
- When should my teen driver be added to my policy?
- Why am I required to buy liability insurance?
- Is my Pontiac Grand Am covered if I use it for business?
- Who is covered when they drive my 1998 Pontiac Grand Am?
- Does medical payments coverage apply to all occupants?
If you’re not sure about those questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier
Knowing the specifics of a car insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverages offered by car insurance companies.
Collision coverage protection
This pays for damage to your Grand Am resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like sideswiping another vehicle, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.
Liability coverage will cover damage that occurs to other people or property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.
Liability coverage pays for things like medical expenses, attorney fees, medical services, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.
Comprehensive car insurance
This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as hail damage, rock chips in glass, a tree branch falling on your vehicle and hitting a deer. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Pontiac Grand Am.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Coverage for medical expenses
Coverage for medical payments and/or PIP pay for bills for dental work, surgery and prosthetic devices. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
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