Cheapest 2001 Pontiac Grand Am Insurance Rates in 2023
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UPDATED: Dec 8, 2021
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Trying to find cheaper auto insurance rates? Buyers have many options when searching for low-cost Pontiac Grand Am insurance. They can either spend hours struggling with agents getting price quotes or utilize the internet to find the lowest rates.
There is a better way to shop for auto insurance so we’re going to tell you the best way to quote coverages for your Pontiac and obtain the lowest price from local insurance agents and online providers.
It’s a good habit to price shop coverage every six months because prices are adjusted regularly by insurance companies. Just because you found the best price for Grand Am insurance six months ago the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because you’re about to find out the proper way to eliminate unnecessary coverages and save money.
Don’t miss out on these money-saving discounts
Properly insuring your vehicles can get expensive, buy you may qualify for discounts to help bring down the price. Most are applied at the time of quoting, but a few must be asked about before you will receive the discount. If you aren’t receiving every discount you deserve, you are paying more than you should be.
- Homeowners Savings – Owning a home can help you save on auto insurance because maintaining a house is proof that your finances are in order.
- No Accidents – Claim-free drivers pay less when compared with accident-prone drivers.
- Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
- Student in College – Children living away from home attending college and do not have a car may qualify for this discount.
- Early Switch Discount – A few companies offer discounts for switching to them before your current policy expires. It’s a savings of about 10%.
Drivers should understand that some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. So when it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous. Any qualifying discounts will bring down the amount you have to pay.
Companies that may have some of the above discounts include:
- State Farm
- Mercury Insurance
- 21st Century
Double check with every prospective company which discounts you may be entitled to. Discounts might not be offered everywhere.
Do I need special coverages?
When choosing coverage, there is no “perfect” insurance plan. Every situation is different.
For instance, these questions can aid in determining if you may require specific advice.
- Do I need special endorsements for business use of my vehicle?
- Is my ex-spouse still covered by my policy?
- Do I need to file an SR-22 for a DUI in my state?
- Where can I find high-risk insurance?
- Is motorclub coverage worth it?
- What is the ISO rating for a 2001 Pontiac Grand Am?
- How many claims can I have before being canceled?
If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.
How can State Farm, Allstate and GEICO save drivers who switch?
Consumers can’t ignore all the ads for cheaper car insurance by companies like State Farm, Allstate and GEICO. They all seem to make an identical promise that you’ll save big after switching to them.
How does each company make almost identical claims? This is how they do it.
Different companies have a certain “appetite” for the driver that earns them a profit. For example, a profitable customer might be over the age of 40, owns a home, and has a high credit rating. Any driver who fits that profile will get very good rates and as a result will probably pay quite a bit less when switching companies.
Potential customers who don’t qualify for the requirements must pay a higher premium which usually ends up with the driver buying from a lower-cost company. The ads say “customers who switch” not “everybody who quotes” save that much. This is how insurance companies can confidently state the savings.
This illustrates why you need to get a wide range of price quotes. Because you never know which insurance companies will have the lowest Pontiac Grand Am insurance rates.
Car insurance coverage information
Understanding the coverages of insurance can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.
Comprehensive auto coverage
Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as vandalism, a broken windshield and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Collision insurance covers damage to your Grand Am resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for things like backing into a parked car, rolling your car, damaging your car on a curb, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
Liability coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.
Liability can pay for things such as medical services, attorney fees, repair costs for stationary objects, court costs and loss of income. How much coverage you buy is a personal decision, but you should buy higher limits if possible.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance pay for expenses like chiropractic care, EMT expenses, pain medications, hospital visits and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible
UM/UIM (Uninsured/Underinsured Motorist) coverage
This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Pontiac Grand Am.
Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Be a penny pincher
People change insurance companies for a number of reasons such as questionable increases in premium, delays in responding to claim requests, denial of a claim and even being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new insurance company is less work than it seems.
Cheaper 2001 Pontiac Grand Am insurance can be sourced online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.
As you prepare to switch companies, it’s a bad idea to skimp on coverage in order to save money. In many instances, an insured cut comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. The ultimate goal is to find the BEST coverage at a price you can afford while still protecting your assets.
Additional information is available at the links below
- Speed and Speed Limit FAQ (iihs.org)
- Choosing a Car for Your Teen (State Farm)
- Airbag FAQ (iihs.org)
- Uninsured Motorist Statistics (Insurance Information Insitute)
- Preventing Carjacking and Theft (Insurance Information Insitute)
- Can I Drive Legally without Insurance? (Insurance Information Insitute)
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