Compare 2001 Pontiac Grand Am Insurance Quotes

When trying to find lower-cost insurance, are you frustrated by the crazy number of insurance providers? You’re not alone. vehicle owners have so many providers available that it can easily turn into a chore to find a cheaper company.

You should make it a habit to compare premium rates periodically because insurance prices change frequently. Despite the fact that you may have had the lowest rate for Grand Am coverage on your last policy you can probably find a better premium rate now. Ignore everything you know about insurance because you’re about to find out the quickest way to save money, get proper deductibles and limits, all at the lowest rate.

Finding the best rates is easy if you know what you’re doing. If you have car insurance now, you will most likely be able to save some money using these tips. But car owners need to learn the methods companies use to sell insurance online and take advantage of how the system works.

How to get affordable auto insurance

Most major insurance companies allow consumers to get price estimates from their websites. Getting online rates doesn’t take a lot of time as you just type in the coverages you want into the form. When the form is submitted, the company’s rating system pulls reports for credit and driving violations and returns pricing information based on these and other factors.

This makes comparing rates easy, but the work required to visit many different websites and enter the same data into a form is a waste of time. But it’s very important to get many rate quotes in order to get better auto insurance pricing.

An easier way to compare rates requires only one form that analyzes rates from several companies at one time. This type of form saves time, requires less work, and makes rate comparisons much simpler. After your information is entered, it gets priced and you can select your choice of the quotes returned. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The entire process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To compare rates now, click here to open in new window and submit the form. If you have a policy now, it’s recommended you input the coverages as close as possible to your current policy. This makes sure you are getting a fair comparison for similar insurance coverage.

Pontiac Grand Am insurance premium factors

An important part of buying insurance is that you know some of the factors that help calculate auto insurance rates. If you know what controls the rates you pay, this enables you to make decisions that can earn you lower auto insurance prices. Many things are part of the calculation when pricing auto insurance. A few of the factors are predictable such as your driving record, although some other factors are more transparent like your vehicle usage or your vehicle rating.

  • Drive less and pay lower prices – The higher the miles on your Pontiac in a year the higher your rate. The majority of insurers apply a rate partially by how you use the vehicle. Vehicles that have low annual miles can be on a lower rate level than vehicles that are driven to work every day. Verify your declarations sheet is rated on the correct usage for each vehicle, because it can save money. An improperly rated Grand Am may be costing you.
  • Amount of liability – Your auto insurance policy’s liability coverage will afford coverage if you are determined to be liable for personal injury or accident damage. Liability provides legal defense coverage starting from day one. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so do not skimp.
  • Improve your credit score – An insured’s credit history factor in determining your rates. If your credit rating leaves room for improvement, you may save money insuring your 2001 Pontiac Grand Am by spending a little time repairing your credit. Consumers who have excellent credit tend to file fewer claims and have better driving records than drivers with lower ratings.
  • Insurance companies don’t like frequent auto insurance claims – If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Car insurance companies generally give lower rates to insureds who do not file claims often. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.
  • Never go without auto insurance – Driving any period of time without insurance can get you a ticket and your next policy will cost more because you let your insurance expire. Not only will you pay higher rates, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license. You may then have to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Which gender costs less? – Statistics have proven that females tend to be a little less risky than males. That doesn’t necessarily mean that males are worse at driving than females. Both sexes cause accidents in similar numbers, but men cause more damage. Not only that, but men also get higher numbers of serious violations like DWI (DUI) or reckless driving. Youthful male drivers are the most expensive to insure and therefore are the most expensive to insure.

Do you qualify for discounts?

Auto insurance companies do not advertise all available discounts very clearly, so the following list contains both well-publicized and the more hidden credits available to you.

  • Accident-Free Discounts – Claim-free drivers pay much less as compared to drivers with a long claim history.
  • Memberships – Affiliation with qualifying clubs or civic groups could earn you a nice discount on insurance.
  • Air Bags and Passive Restraints – Factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Drivers Ed for Students – Require your teen driver to enroll and complete driver’s education in school.
  • Low Mileage Discounts – Low annual miles could earn cheaper rates.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and qualify for as much as a 10% discount.
  • Early Switch Discount – Some insurance companies give discounts for signing up before your current expiration date. You can save around 10% with this discount.
  • Bundled Policy Discount – If you have multiple policies with one company you will save at least 10% off all policies.
  • Telematics Data – Policyholders that allow driving data submission to spy on when and where they use their vehicle by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if they are good drivers.

Consumers should know that many deductions do not apply to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think you could get a free insurance policy, that’s just not realistic. Any qualifying discounts will help reduce your overall bill.

The best insurance companies and some of the premium reductions they offer are outlined below.

  • 21st Century offers discounts for student driver, teen driver, early bird, homeowners, anti-lock brakes, air bags, and driver training.
  • Progressive policyholders can earn discounts including multi-policy, online quote discount, homeowner, good student, and continuous coverage.
  • State Farm discounts include good driver, accident-free, Drive Safe & Save, Steer Clear safe driver discount, and defensive driving training.
  • Nationwide offers discounts including good student, multi-policy, Farm Bureau membership, family plan, and business or organization.
  • Esurance includes discounts for safety device, emergency road assistance, paid-in-full, multi-car, and anti-theft.
  • The Hartford may have discounts that include defensive driver, vehicle fuel type, good student, anti-theft, and bundle.

If you need cheaper insurance quotes, ask each company or agent what discounts are available to you. All car insurance discounts might not be offered everywhere. To see insurance companies who offer discounts, click here to view.

Don’t assume everyone needs the same car insurance coverage

When it comes to choosing adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether your personal situation could use an agent’s help.

  • Do I have newly-aquired coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I need an umbrella policy?
  • Is extra glass coverage worth it?
  • How can I force my company to pay a claim?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered if I wreck a rental car?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I benefit by insuring my home with the same company?
  • Should I rate my 2001 Pontiac Grand Am as pleasure use or commute?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, complete this form.

Car insurance 101

Knowing the specifics of insurance aids in choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, rock chips in glass, theft and a broken windshield. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability car insurance

This coverage protects you from damage that occurs to other’s property or people that is your fault. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like medical expenses, repair bills for other people’s vehicles, bail bonds, attorney fees and loss of income. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as surgery, X-ray expenses, ambulance fees and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Smart shoppers get results

As you quote insurance, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, someone sacrificed liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your objective should be to get the best coverage possible at the best cost while not skimping on critical coverages.

In this article, we covered some good ideas how to save on 2001 Pontiac Grand Am insurance. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the best car insurance rates are with the smaller companies.

People change insurance companies for a number of reasons such as high rates after DUI convictions, poor customer service, lack of trust in their agent or even being labeled a high risk driver. It doesn’t matter what your reason, switching insurance companies is not as difficult as it may seem.

Additional insurance information is located at the links below