View 2000 Pontiac Grand Am Insurance Rates

Want lower car insurance rates for your Pontiac Grand Am? Do you get frustrated by the sheer number of car insurance companies? There are so many companies to choose from that it is more work than you anticipated to find a more affordable company.

If you are paying for car insurance now, you will be able to save some money using this information. This article will tell you the most effective way to quote insurance and some tricks to saving. But car owners need to learn how insurance companies sell online.

Informed consumers save on insurance

Part of the car insurance buying process is learning some of the factors that go into determining car insurance rates. If you have a feel for what determines premiums, this allows you to make educated decisions that will entitle you to cheaper rates.

The items below are just a few of the factors that factor into your premiums.

  • What’s your car’s NHTSA crash test rating? – Vehicles that have high safety ratings are cheaper to insure. These vehicles result in less severe injuries and better occupant protection means your insurance company pays less and more competitive rates for policyholders. If your Pontiac scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
  • Raise comp and collision deductibles and save – Insurance for physical damage to your car, also called comprehensive and collision insurance, insures against damage to your Pontiac. A few examples of covered claims are a broken windshield, hail damage, and burglary. The deductibles are how much you are willing to pay out-of-pocket if a claim is determined to be covered. The more money you have to pay, the lower your rates will be on Grand Am coverage.
  • Don’t buy extra policy coverages that aren’t used – There are quite a few extra coverages that you can get tricked into buying on your Grand Am policy. Things like replacement cost coverage, death and dismemberment, and Farm Bureau memberships could be just wasting money. These coverages may sound good when you first buy your policy, but if you have no use for them think about removing them and cutting costs.
  • Responsible drivers pay lower rates – Even one driving citation could increase your next policy renewal substantially. Drivers with clean records get better prices compared to drivers with tickets. Drivers unfortunate enough to have flagrant violations like reckless driving, hit and run or driving under the influence may find that they have to to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to legally drive.
  • Annual mileage impacts costs – The higher the mileage driven every year the higher your rates will be. Most insurance companies calculate rates based upon how the vehicle is primarily used. Vehicles that are left in the garage qualify for better rates compared to those used for work or business. Verify your car insurance declarations sheet is rated on how each vehicle is driven. Improper usage on your Grand Am may be costing you higher rates.
  • Coverage lapses lead to higher premiums – Having a lapse in insurance coverage is a guaranteed way to drive up your policy premiums. In addition to paying higher rates, the inability to provide proof of insurance could result in fines and jail time.

Are you receiving every discount?

Insurance can be pricey, but you might find some hidden discounts to help offset the cost. Many discounts should be triggered when you get a quote, but occassionally some discounts must be inquired about in order for you to get them.

  • Theft Deterent – Cars and trucks with anti-theft systems are less likely to be stolen and earn discounts up to 10% off your auto insurance quote.
  • Smart Student Discounts – Maintaining excellent grades could provide a savings of up to 20% or more. Most companies allow this discount until age 25.
  • Membership in Organizations – Being a member of a professional or civic organization is a good way to get lower rates when getting a auto insurance quote.
  • Life Insurance Discount – Select insurance carriers reward you with better insurancerates if you take out life insurance from them.
  • Defensive Driver Discounts – Completing a defensive driving course may get you a small discount if your company offers it.
  • One Accident Forgiven – This one is not really a discount per se, but some companies like Allstate and GEICO will allow you to have one accident before they charge you more for coverage with the catch being you have to be claim-free for a set time period.

We need to note that some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

Some of the insurance companies that may have some of the above discounts include:

Check with each company or agent which discounts you qualify for. Some credits might not apply in your area. For a list of insurance companies that can offer you the previously mentioned discounts, click here.

When in doubt talk to an agent

When choosing proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every situation is different.

For example, these questions might help in determining whether you will benefit from professional help.

  • Who is covered when they drive my 2000 Pontiac Grand Am?
  • Am I better off with higher deductibles on my 2000 Pontiac Grand Am?
  • Is my custom paint covered by insurance?
  • Exactly who is provided coverage by my policy?
  • Does car insurance cover theft of personal property?
  • Does insurance cover tools stolen from my truck?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance 101

Learning about specific coverages of car insurance can be of help when determining which coverages you need and the correct deductibles and limits. Car insurance terms can be confusing and coverage can change by endorsement.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like chiropractic care, pain medications, hospital visits and doctor visits. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Liability auto insurance – Liability coverage provides protection from damage that occurs to people or other property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like bail bonds, repair costs for stationary objects, attorney fees and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Pontiac Grand Am.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverages – Collision insurance will pay to fix damage to your Grand Am caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, crashing into a ditch and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, damage from a tornado or hurricane, a tree branch falling on your vehicle, rock chips in glass and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Saving money is sweet as honey

Lower-priced 2000 Pontiac Grand Am insurance can be purchased from both online companies in addition to local insurance agencies, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies don’t offer online rate quotes and most of the time these smaller providers prefer to sell through local independent agents.

Insureds who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, delays in responding to claim requests, questionable increases in premium and policy non-renewal. Whatever your reason, finding a new company is easier than you think.

In this article, we presented a lot of ways to get a better price on 2000 Pontiac Grand Am insurance. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers could even find that the biggest savings come from an unexpected company.

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