Cheap 1997 Pontiac Grand Am Insurance Quotes

Want the cheapest insurance coverage rates for your Pontiac Grand Am? Tired of scraping the payment together to insure your Pontiac every month? Your situation is no different than millions of other consumers. Many insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare car insurance companies to find the lowest cost out there.

More discounts equal less premium

Companies offering auto insurance do not advertise every discount very well, so we took the time to find both the well known and the more hidden discounts you could be receiving. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Auto/Life Discount – Some companies give a discount if you purchase life insurance.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less on Grand Am insurance than drivers with accident claims.
  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Passive Restraints – Factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Safety Course Discount – Completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Distant Student – Children who attend school more than 100 miles from home and don’t have a car can receive lower rates.

Consumers should know that most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, it doesn’t quite work that way.

For a list of companies who offer insurance coverage discounts, click here to view.

Impacting insurance rates for a Pontiac Grand Am

It’s important that you understand the rating factors that help determine your auto insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that could result in big savings.

The following are a partial list of the pieces companies use to determine premiums.

  • Optional equipment can affect rates – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.
  • High deductibles save money – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your Pontiac. Examples of covered claims could be collision with another vehicle, damage from fire, or theft. Deductibles for physical damage are how much you are willing to pay out-of-pocket before a claim is paid by your company. The higher the amount you’re willing to pay, the lower your rates will be on Grand Am insurance.
  • Liability insurance protects assets – Liability insurance is the protection if ever you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
  • Where you live – Choosing to live in a rural area can save you money when it comes to auto insurance. Fewer drivers means fewer accidents and a lower car theft rate. Drivers in populated areas have to deal with traffic congestion and longer commute times. More time on the road means higher likelihood of an accident.

It’s not one size fits all

When choosing proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. For example, these questions can help discover whether you would benefit from professional advice.

  • How does medical payments coverage work?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is business property covered if stolen from my car?
  • Am I covered when driving in Canada or Mexico?
  • What is an SR-22 filing?
  • Am I covered when driving on a suspended license?
  • What exactly is covered by my policy?
  • Can my teen driver be rated on a liability-only vehicle?
  • Can I afford to buy a different vehicle if my 1997 Pontiac Grand Am is totaled?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.

Specifics of your auto insurance policy

Understanding the coverages of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages available from auto insurance companies.

Collision coverage

Collision coverage covers damage to your Grand Am resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with a tree, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Pontiac Grand Am.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, a broken windshield, falling objects, rock chips in glass and theft. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses such as pain medications, EMT expenses, hospital visits and surgery. They can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Liability auto insurance

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

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for things like structural damage, medical services and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Quote often and quote early

Low-cost 1997 Pontiac Grand Am insurance is possible both online as well as from independent agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

While you’re price shopping online, never skimp on coverage in order to save money. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to discover later that it was a big error on their part. The ultimate goal is to purchase plenty of coverage at an affordable rate.

Additional information