Cheaper 1999 Pontiac Grand Am Car Insurance Rates

People new to shopping for insurance online will discover shopping for cheap insurance coverage quite challenging.

You should make it a habit to shop coverage around before your policy renews because insurance rates fluctuate regularly. Just because you had the best rates on Grand Am coverage six months ago there may be better deals available now. You can find a lot of misleading information regarding insurance coverage on the internet, so with this article, you’re going to get some of the best ways to buy insurance coverage cheaper.

Best discounts on Pontiac Grand Am coverage

Companies that sell car insurance do not advertise all their discounts in an easy-to-find place, so we researched both the well known and also the lesser-known discounts you could be receiving.

  • Drive Less and Save – Driving fewer miles could qualify for a substantially lower rate.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company qualifies for this discount.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Good Student – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Auto/Home Discount – If you have multiple policies with the same company you may earn up to 20% off your total premium.
  • New Vehicle Savings – Adding a new car to your policy is cheaper compared to insuring an older model.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability and collision coverage. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

For a list of companies with the best insurance coverage discounts, click here to view.

Why your Pontiac Grand Am might be costing you more

Smart consumers have a good feel for the rating factors that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that will entitle you to better auto insurance rates.

  • Battle of the sexes – Statistics show that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Both sexes tend to get into accidents in similar percentages, but men have costlier accidents. Men also get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Your job and insurance rates – Occupations such as judges, architects and accountants tend to pay higher rates than average attributed to high stress levels and long work days. On the flip side, occupations like pilots, athletes and retirees have the lowest average rates on Grand Am coverage.
  • High crash test scores lower rates – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles protect occupants better and better occupant protection translates into savings for insurance companies and lower rates for you. If your Pontiac has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
  • Don’t sacrifice liability coverage – The liability section of your policy provides coverage if ever a court rules you are at fault for damages from an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Keep rates low by being claim-free – If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Car insurance companies give cheaper rates to policyholders who are claim-free. Auto insurance is meant to be used in the event of larger claims.
  • Lower rates come with age – Youthful drivers are known to be more careless behind the wheel so auto insurance rates are higher. If you’ve ever had to add a youthful driver to your policy can be quite pricey. Older drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel.
  • Better credit means lower rates – Credit rating is a large factor in your rate calculation. People with excellent credit tend to be more responsible than drivers with poor credit. If your credit score can use some improvement, you could be paying less to insure your 1999 Pontiac Grand Am by spending a little time repairing your credit.
  • Policy add-ons can waste money – There are a lot of add-on coverages that you can get tricked into buying when buying auto insurance. Insurance for personal injury protection, accidental death and term life insurance are some examples. These may sound like a good investment when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.

Tailor your coverage to you

When buying adequate coverage, there really is no best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that might help in determining whether you might need an agent’s assistance.

  • How much underlying liability do I need for an umbrella policy?
  • Will my rates increase for filing one claim?
  • Should I buy additional glass protection?
  • Am I covered when driving in Canada or Mexico?
  • Is my 1999 Pontiac Grand Am covered for smoke damage?
  • Am I covered when driving a rental car?
  • Am I covered when delivering products for my home-based business?
  • What is the ISO rating for a 1999 Pontiac Grand Am?
  • Can I afford low physical damage deductibles?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form.

Car insurance coverage options for a 1999 Pontiac Grand Am

Knowing the specifics of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Liability coverage – This can cover damage or injury you incur to a person or their property that is your fault. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like emergency aid, attorney fees, medical expenses, funeral expenses and court costs. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage – This coverage will pay to fix damage to your Grand Am from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a building, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for expenses such as nursing services, dental work, rehabilitation expenses and X-ray expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – This provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Grand Am.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, hail damage, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Quote often and quote early

Insureds who switch companies do it for a number of reasons such as lack of trust in their agent, delays in responding to claim requests, policy cancellation or even high prices. No matter why you want to switch, finding a new car insurance company is not as hard as you think.

We covered a lot of techniques to shop for 1999 Pontiac Grand Am insurance online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest premiums are with a small local company.

Affordable insurance is available online and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers do not offer online price quotes and these small insurance companies work with independent agents.

Additional car insurance information can be read at the links below