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Pontiac Grand Am Insurance Rates

You have lots of choices when shopping for insurance coverage for your Pontiac vehicle. You can either contact an insurance agent or get quotes online to compare pricing from car insurance companies. Finding cheaper auto insurance from online rate quotes saves time, is easy to do and at the same time you may find lower rates.

Finding the best direct price on auto insurance is challenging if you are a beginner to online rate quotes. But don't be discouraged because we're going to show you how. Getting better Grand Am insurance cost doesn't have to be difficult. Just take time to compare quotes online from several insurance companies. It is quite easy and can be accomplished by visiting this page.

What factors determine the rate you pay?

Insurance premiums on a Pontiac Grand Am will vary greatly and are calculated by many factors. Taken into consideration are:

  • High performance increases premiums
  • Your accident history
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Special coverage such as replacement cost
  • Whether or not you have claims
  • Having continuous coverage saves you money
  • Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. A newer vehicle have a higher actual cash value compared to older Pontiac models so the costs to repair will push premiums up. Although new Pontiac models have more advanced features included like a collision avoidance system, forward-collision avoidance, and active head restraints so those may provide discounts that lower premiums.

To get a better understanding how much rates will be for your vehicle, select the year of your Grand Am from available model years below.

Liability insurance - This provides protection from damages or injuries you inflict on people or other property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy as much as you can afford.

Collision coverage - This pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your Grand Am can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper Grand Am insurance rates.

Comprehensive protection - This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This gives you protection from other motorists when they either have no liability insurance or not enough. Since a lot of 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 should not be overlooked.

Medical expense coverage - Medical payments and Personal Injury Protection insurance kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. PIP coverage is not universally available but can be used in place of medical payments coverage.

How Much are Pontiac Grand Am Insurance Rates?