Cheaper 1995 Pontiac Grand Am Insurance Quotes

Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance policy? Trust us, you are not the only one feeling buyer’s remorse.

There is such a variety of insurers to pick from, and though it is a good thing to have a choice, it can be more difficult to locate the cheapest rates.

Are you getting all your discounts?

Companies offering auto insurance do not list every available discount very well, so here is a list some of the more common and the harder-to-find insurance coverage savings.

  • Clubs and Organizations – Participating in a civic or occupational organization is a good way to get lower rates on insurance coverage on Grand Am coverage.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount on Grand Am coverage with select insurance companies.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same insurance coverage policy qualifies for this discount.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Accident Waiver – A handful of insurance companies will forgive one accident before your rates go up so long as you haven’t had any claims for a set time period.
  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • Homeowners Savings – Simply owning a home may earn you a small savings because owning a home shows financial diligence.
  • Senior Citizens – Mature drivers may be able to get reduced rates on Grand Am coverage.

Drivers should understand that most credits do not apply to your bottom line cost. Most only apply to specific coverage prices like medical payments or collision. Just because you may think it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

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

Cheap Car Insurance Comparisons

When shopping for car insurance there are multiple ways of comparing rate quotes from different insurance companies. By far the easiest way to find competitive 1995 Pontiac Grand Am insurance rates consists of shopping online. This is very easy and can be done in a couple of different ways.

  1. One of the best ways to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do boring form submissions for each company. A single form will get you rate comparisons from multiple low-cost companies.
  2. A more time consuming way to get comparison quotes requires a visit to each company website to request a price quote. For examples sake, let’s say you want to compare rates from Allstate, Esurance and Farmers. You would have to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

  3. The hardest way of getting rate comparisons is to spend your day driving to insurance agents’ offices. Shopping for car insurance online can eliminate the need for a local agent unless you want the personal advice that only a license agent can provide. However, consumers can get the lowest quotes online and get advice from an agent in your area and we’ll talk about that later.

It’s up to you how you get prices quotes, just make sure you use identical coverages and limits for each price quote. If you use different deductibles then you won’t be able to truly determine the lowest rate. Just a small difference in coverage limits could mean much higher rates. And when quoting car insurance, remember that more quotes provides better odds of finding better pricing.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. For instance, these questions might help in determining whether you would benefit from an agent’s advice.

  • Does my 1995 Pontiac Grand Am need full coverage?
  • Why am I required to buy liability insurance?
  • Am I covered if I wreck a rental car?
  • Do I have coverage for damage caused while driving under the influence?
  • I don’t drive much so do I pay less?
  • Should I have a commercial auto policy?
  • When should I not file a claim?
  • What is UM/UIM insurance?
  • Do I need rental car coverage?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Specific coverage details

Having a good grasp of a auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types found on the average auto insurance policy.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as nursing services, chiropractic care and hospital visits. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from getting keyed, rock chips in glass, falling objects and hitting a bird. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability

Liability insurance provides protection from damage that occurs to other’s property or people that is your fault. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers things like loss of income, medical services and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Collision insurance

Collision coverage pays for damage to your Grand Am from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a ditch, colliding with a tree, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Take this to the bank

When trying to cut insurance costs, do not reduce needed coverages to save money. In too many instances, someone dropped liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

We’ve covered quite a bit of information on how to save on 1995 Pontiac Grand Am insurance. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may even discover the best prices are with some of the smallest insurance companies. They may only write in your state and offer lower rates compared to the large companies like Allstate or State Farm.

To read more, take a look at the resources below: