How to Insure Your Pontiac Grand Am Cheaper Online in Las Vegas

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out.

Multiple auto insurance companies compete for your insurance dollar, so it’s not easy to compare every company to get the best rates possible.

You need to check car insurance prices yearly because insurance rates are usually higher with each renewal. Despite the fact that you may have had the best price for Grand Am coverage on your last policy other companies may now be cheaper. You can find a lot of misleading information regarding car insurance on the web, but we’re going to give you some solid techniques on how to save money.

If you currently have car insurance, you should be able to lower your premiums substantially using these tips. Finding the best rates in Las Vegas is not rocket science. But Nevada drivers can benefit from knowing the way companies compete online and take advantage of how the system works.

These discounts can slash car insurance rates

Car insurance companies don’t always list every available discount in an easy-to-find place, so the following is a list of both well-publicized and the harder-to-find car insurance savings.

  • Defensive Driving Course – Successfully completing a defensive driving course could save 5% or more depending on where you live.
  • Organization Discounts – Participating in a qualifying organization could trigger savings on your policy for Grand Am coverage.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • No Accidents – Drivers who don’t have accidents can save substantially as compared to frequent claim filers.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Paperwork-free – A few companies may give you up to $50 just for signing your application on their website.
  • Senior Discount – Mature drivers may receive a small decrease in premiums for Grand Am coverage.
  • Accident Forgiveness – A few companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Good Student – This discount can get you a discount of up to 25%. The discount lasts up until you turn 25.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn’t make money that way.Las Vegas insurance banner

To choose insurance companies with the best car insurance discounts in Las Vegas, click here.

Lesser-known factors impacting Pontiac Grand Am insurance rates

It’s important that you understand the factors that come into play when calculating your car insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that can help you get much lower annual insurance costs.

The list below includes a partial list of the pieces car insurance companies consider when setting your rates.

  • Bundling policies can get discounts – The majority of companies will award you with lower prices to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, you may still want to comparison shop to verify if the discount is saving money.
  • Being married can save on car insurance – Having a wife or husband actually saves money when buying car insurance. Marriage translates into being more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
  • Lower rates with optional equipment – Purchasing a vehicle with an alarm system can help lower your rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
  • Battle of the sexes – Statistics demonstrate that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. Women and men have accidents in similar numbers, but men cause more damage and cost insurance companies more money. Men also get more serious tickets such as reckless driving.
  • Liability insurance protects assets – Liability insurance is the protection in the event that a court rules you are at fault for damages from an accident. It provides legal defense which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
  • Safer cars cost less to insure – Safer cars get lower rates. Safe vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company passed on to you as lower rates. If the Pontiac Grand Am is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Your age impacts your rates – Older drivers tend to be more responsible, tend to cause fewer accidents and are safer drivers. Youthful drivers are known to get distracted easily behind the wheel and because of this, their car insurance rates are much higher.
  • Rates may be lower depending on your job – Did you know your occupation can influence how much you pay for car insurance? Occupations such as judges, executives and financial analysts are shown to have higher average rates attributed to high stress and long work days. Conversely, occupations such as actors, engineers and performers pay the least for Grand Am coverage.

Learn more today

More detailed Nevada car insurance information can be found at the Nevada Division of Insurance website. Consumers can report car insurance fraud, find disaster information, and file complaints about a company.

More related Las Vegas car insurance information:

best Pontiac Grand Am insurance

Summing up your car insurance search

The cheapest Pontiac Grand Am insurance is definitely available from both online companies and with local Las Vegas insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

You just learned some good ideas how to get a better price on Pontiac Grand Am insurance. The key thing to remember is the more times you quote, the better your comparison will be. Drivers may discover the most savings is with the least-expected company. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, GEICO and Progressive.

When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. There are many occasions where drivers have reduced liability limits or collision coverage and discovered at claim time that it was a big mistake. Your aim should be to buy a smart amount of coverage at an affordable rate.