Cheapest 2004 Pontiac Grand Am Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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Want the cheapest car insurance rates for your Pontiac Grand Am? Have you had enough of not being able to afford to pay your car insurance bill each month? You are no different than many other drivers.

With so many online and local companies to choose from, it can be difficult for consumers to pick the lowest cost company.

The fastest way that we advise to get rate comparisons is to know the trick most of the larger companies actually pay money for the chance to give rate comparisons. All you need to do is give them some information like if you require a SR-22, if you lease or own, if you have an active license, and deductibles desired. That rating data gets transmitted to multiple top-rated companies and they return quotes immediately.

To find the cheapest 2004 Pontiac Grand Am insurance rates, click here and enter the information requested.

Car insurance is unique, just like you

When buying proper insurance coverage, there isn’t really a one size fits all plan. Each situation is unique so your insurance needs to address that. For instance, these questions might point out if you may require specific advice.

  • Does my policy pay for OEM or aftermarket parts?
  • Do I need replacement cost coverage on my 2004 Pontiac Grand Am?
  • Why am I required to buy liability insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • Does coverage extend to my business vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When should my teen driver be added to my policy?
  • Can my teen drive my company car?
  • Is business property covered if stolen from my car?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.

Educate yourself about insurance coverages

Understanding the coverages of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages found on most insurance policies.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, theft, damage from flooding, rock chips in glass and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Pontiac Grand Am.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Collision coverage protection

Collision coverage pays for damage to your Grand Am resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sideswiping another vehicle, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Liability coverage

This coverage protects you from injuries or damage you cause to people or other property in an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as attorney fees, pain and suffering, medical services, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses like dental work, rehabilitation expenses, pain medications, X-ray expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Frequently Asked Questions

What factors can affect the cost of insurance for a 2004 Pontiac Grand Am?

Several factors can influence the cost of insurance for a 2004 Pontiac Grand Am, including the driver’s age, driving record, location, credit history, coverage options chosen, deductible amount, and the overall claims history of the vehicle model.

Can I save money on insurance for a 2004 Pontiac Grand Am by bundling it with other insurance policies?

Yes, bundling your insurance policies can often lead to cost savings. By combining your 2004 Pontiac Grand Am insurance with other policies, such as homeowner’s or renter’s insurance, you may be eligible for a multi-policy discount from your insurance provider.

Can I get a discount on insurance for a 2004 Pontiac Grand Am if I have a clean driving record?

Yes, having a clean driving record is often rewarded with lower insurance rates. Insurance companies typically offer discounts to drivers who have not been involved in accidents or received traffic violations. Maintaining a safe driving record can help you secure cheaper insurance for your 2004 Pontiac Grand Am.

Can installing anti-theft devices in my 2004 Pontiac Grand Am reduce insurance costs?

Yes, installing anti-theft devices in your 2004 Pontiac Grand Am can potentially lower insurance costs. Anti-theft devices such as alarms, immobilizers, or tracking systems can deter theft and increase the chances of recovering the vehicle if stolen.

Can completing a defensive driving course help reduce insurance costs for my 2004 Pontiac Grand Am?

Yes, completing a defensive driving course can potentially lead to lower insurance costs for your 2004 Pontiac Grand Am. Many insurance providers offer discounts to drivers who have successfully completed an approved defensive driving course.

Do I need to inform my insurance company if I modify my 2004 Pontiac Grand Am?

Yes, it’s essential to inform your insurance company if you make modifications to your 2004 Pontiac Grand Am. Modifying your vehicle, such as installing performance-enhancing parts or altering its appearance, can impact the insurance coverage and premiums.

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