Save on 1991 Pontiac Le Mans Insurance Cost

Overwhelmed by the sheer number of car insurance choices? You’re not alone. You have so many choices that it can quickly become a big hassle to find better rates.

How to Compare Insurance Quotes

To find the best insurance prices, there are several ways of comparing rates from local insurance companies. By far the easiest way to find the cheapest 1991 Pontiac Le Mans insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The fastest way consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This method keeps you from doing separate quotes for each company you want a rate for. Taking the time to complete one form compares rates from insurance companies with the best prices.It’s the quickest way to get rates.
  2. A different way to obtain and compare quotes online requires visiting the website of each company and request a quote. For example, let’s assume you want rates from Liberty Mutual, Geico and Travelers. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why the first method is quicker. To view a list of companies in your area, click here.
  3. The most time-consuming method to get comparison rates is to waste gas driving to different agent offices. The internet can eliminate the need for a local agent unless you prefer the personal advice only provided by licensed agents. Drivers can obtain prices from the web and still use a local agent.

Whichever method you choose, be sure to compare apples-to-apples information on every quote. If your comparisons have different limits and deductibles on each one you can’t possibly truly determine the lowest rate. Just a small difference in insurance coverages can make a big difference in price. Keep in mind that quoting more will increase your chances of finding the best price.

Policy discounts you shouldn’t miss

Insuring your fleet can be pricey, but discounts can save money and there are some available to help bring down the price. Most are applied at the time of quoting, but less common discounts must be asked about before being credited.

  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you may save 10% to 20% off each policy.
  • Driver Safety – Taking part in a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Federal Employees – Employees or retirees of the government may qualify you for a discount for Le Mans coverage depending on your company.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more for Le Mans coverage than their less cautious counterparts.
  • E-sign – A few companies give back up to $50 simply for signing online.
  • Life Insurance Discount – Select insurance companies reward you with a break if you buy life insurance.
  • Clubs and Organizations – Being a member of a civic or occupational organization could trigger savings on insurance for Le Mans coverage.
  • Discount for Swiching Early – Some insurance companies reward drivers for signing up before your current policy expires. The savings is around 10%.

Drivers should understand that most credits do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way. But any discount will bring down your overall premium however.

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

Pieces of the Pontiac Le Mans insurance rate puzzle

It’s important that you understand some of the elements that go into determining insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that could result in big savings.

Listed below are a partial list of the pieces companies use to determine premiums.

  • Lower miles equals lower premium – The more you drive each year the more you will pay for insurance. Most companies price each vehicle’s coverage based on how the vehicle is used. Cars not used for work or commuting get more affordable rates than vehicles that are driven to work every day. If your policy improperly rates your Le Mans can cost quite a bit. Ask your agent if your insurance policy shows the correct driver usage.
  • More claims means more premium – If you tend to file frequent claims, you can expect either higher rates or even cancellation. Auto insurance companies award lower rates to insureds who are claim-free. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Liability coverage protects you – Liability insurance is the coverage that protects you in the event that a jury decides you are liable for damages caused by your negligence. Liability insurance provides legal defense up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so do not skimp.
  • Equipment add-ons that lower insurance rates – Purchasing a vehicle with an alarm system can help bring down rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
  • Pay less after the wedding – Having a wife or husband helps lower the price on your insurance policy. Having a spouse means you’re more mature and statistics show drivers who are married are more cautious.
  • Do you need those extra coverages? – There are many add-on coverages that you can get tricked into buying on your Le Mans policy. Coverages for rental car reimbursement, accidental death and term life insurance may be costing you every month. They may seem like a good idea at first, but if they’re wasting money eliminate them to save money.

Insurance agents can help

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For example, these questions could help you determine if you could use an agent’s help.

  • Am I covered if hit by an uninsured driver?
  • Am I covered if my car is in a flood?
  • What if I owe more than I can insure my car for?
  • Why is insurance for a teen driver so high?
  • Can I still get insurance after a DUI?
  • Which companies will insure high-risk drivers?
  • Can my babysitter drive my car?
  • When would I need rental car insurance?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form.

Ads can be misleading

Progressive, Allstate and Geico constantly bombard you with ads on TV and radio. All the companies make the same claim that you’ll save big if you switch your coverage to them. How can each company say the same thing?

Insurance companies have a preferred profile for the driver that earns them a profit. For example, a driver they prefer could be between 25 and 40, owns a home, and has a short commute. Any new insured who fits that profile will qualify for the lowest rates and as a result will probably save when they switch companies.

Drivers who fall outside this ideal profile must pay higher prices which usually ends up with business not being written. The ads say “people who switch” but not “drivers who get quotes” save money. That’s the way companies can advertise the way they do.

This illustrates why drivers should quote coverage with many companies. You cannot predict which company will fit your personal profile best.

The coverage is in the details

Understanding the coverages of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Pontiac Le Mans.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages do not exceed the liability coverage limits.

Medical expense coverage

Med pay and PIP coverage pay for short-term medical expenses for pain medications, ambulance fees, EMT expenses, chiropractic care and nursing services. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability car insurance

Liability insurance protects you from injuries or damage you cause to people or other property. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as structural damage, medical services and loss of income. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Comprehensive protection

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, theft and falling objects. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage will pay to fix damage to your Le Mans caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sideswiping another vehicle, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

A tidy conclusion

When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where an insured dropped physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage at an affordable rate.

We just covered many ways to reduce 1991 Pontiac Le Mans insurance prices online. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. Consumers may even find the most savings is with the smaller companies.

Cost effective insurance is available on the web and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

Additional detailed information is located by following these links: