Trying to find cheaper auto insurance rates for your Pontiac Grand Am? Nobody cherishes buying auto insurance, particularly when the price is too high. Insurance companies such as Progressive, State Farm and GEICO all claim big savings with advertising and it can be hard to avoid their marketing magic and do the work needed to find the best deal.
Lowering your 2004 Pontiac Grand Am insurance rates is not a difficult process. All you need to do is spend a little time comparing rates online from several insurance companies. This can be accomplished in several different ways.
It’s your choice how you get your quotes, but double check that you are using identical coverage information for every company. If you enter different limits and deductibles on each one it will be next to impossible to determine the best price for your Pontiac Grand Am.
The price of auto insurance can be rather high, but there could be available discounts to cut the cost considerably. A few discounts will automatically apply at quote time, but a few must be specifically requested before being credited. If you’re not getting every credit possible, you’re just leaving money on the table.
Consumers should know that many deductions do not apply the the whole policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like you could get a free car insurance policy, companies don’t profit that way. Any amount of discount will bring down your overall premium however.
A partial list of companies who might offer some of the above discounts include:
Check with all companies you are considering which discounts you may be entitled to. Savings might not apply in every state.
When buying the best car insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions could help you determine whether your personal situation might need an agent’s assistance.
If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.
Learning about specific coverages of your policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages offered by insurance companies.
Liability coverages – Liability insurance protects you from damage or injury you incur to other’s property or people that is your fault. This coverage protects you against other people’s claims, and doesn’t 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. Your policy might show limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage protects against claims like repair bills for other people’s vehicles, court costs, structural damage, emergency aid and medical services. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses for ambulance fees, pain medications and hospital visits. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Uninsured and underinsured coverage – This provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your 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. So UM/UIM coverage is very important. Frequently these limits are similar to your liability insurance amounts.
Comprehensive coverages – This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like falling objects, vandalism, hitting a bird, hail damage and damage from flooding. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Collision coverage – This covers damage to your Grand Am resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as sideswiping another vehicle, hitting a parking meter and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.