1997 Pontiac Grand Am Insurance Cost

I can’t think of a single person who enjoys paying for insurance, especially knowing their premiums are too high. Multiple insurers compete for your hard-earned dollar, so it’s not easy to compare every insurer to find the lowest price

It’s important to get comparison quotes once or twice a year due to the fact that insurance prices change regularly. Even if you got the best rates for Grand Am insurance on your last policy you may be paying too much now. Forget all the misinformation about insurance because we’re going to demonstrate the best methods to save money, get proper deductibles and limits, all at the lowest rate.

How to compare free auto insurance quotes

Comparing auto insurance rates is a ton of work if you aren’t aware of the best way to get rate quotes. You could waste time discussing policy coverages with local insurance agents in your area, or you could use the web to get the quickest rates.

Most car insurance companies belong to an insurance system that enables customers to only type in their quote data once, and each company returns a competitive quote for coverage. This prevents consumers from doing quote requests for each company.

To compare rates using this form now click here to open in new window.

The only downside to pricing coverage this way is you are unable to specify the insurers you want pricing from. So if you prefer to pick individual companies to receive pricing from, we have assembled a list of low cost auto insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just be sure you’re using exactly the same coverages with every price quote. If the quotes have different deductibles it will be next to impossible to make an equal comparison.

Tailor your car insurance coverage to you

When buying the right insurance coverage, there really is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that can help discover if your situation might need an agent’s assistance.

  • Do I need rental car coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is a blown tire covered by insurance?
  • Is my Pontiac Grand Am covered if I use it for business?
  • Is upholstery damage covered by car insurance?
  • Am I covered when driving a rental car?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Car insurance coverage considerations

Understanding the coverages of car insurance aids in choosing the best coverages and proper limits and deductibles. Car insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by car insurance companies.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses for ambulance fees, X-ray expenses and pain medications. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability car insurance – This protects you from injuries or damage you cause to people or other property that is your fault. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as court costs, attorney fees and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a building, colliding with a tree, hitting a mailbox, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive protection – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like rock chips in glass, damage from a tornado or hurricane and hail damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.