Cheapest 2000 Pontiac Grand Am Insurance Rates in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Are you confused by the dozens of auto insurance company choices? You’re not alone. You have so many companies to choose from that it can quickly become a real challenge to find lower rates.

Factors determining your Pontiac Grand Am insurance premium

Consumers need to have an understanding of the different types of things that come into play when calculating your car insurance rates. Knowing what impacts premium levels enables informed choices that will entitle you to much lower annual insurance costs.

  • Policy add-ons can waste money – There are quite a few add-on coverages you can purchase on your Grand Am policy. Things like personal injury protection, better glass coverage and membership fees may be costing you every month. They may seem good initially, but your needs may have changed so remove them from your policy.
  • Pay less after the wedding – Having a wife or husband helps lower the price on car insurance. It is viewed as being more mature than a single person and statistics show drivers who are married are more cautious.
  • Pleasure use or commuting – The higher the mileage driven in a year’s time the higher your rate. The majority of insurers rate vehicles based upon how you use the vehicle. Vehicles used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. Double check that your car insurance declarations sheet is rated on the correct usage for each vehicle. If your policy improperly rates your Grand Am can result in significantly higher rates.
  • Don’t cancel a policy without a new one in place – Allowing your car insurance policy to lapse will be a fast way to pay more for car insurance. Not only will rates go up, getting caught without coverage will get you a revoked license or a big fine.You may have to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.

How much can you save with discounts?

Companies that sell car insurance do not advertise all available discounts in an easy-to-find place, so we researched both the well known and also the lesser-known ways to save on auto insurance.

  • Drive Safe and Save – Insureds without accidents may save up to 50% more for Grand Am insurance than less cautious drivers.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy qualifies for this discount.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Organization Discounts – Affiliation with certain professional organizations could qualify you for a break on your policy for Grand Am insurance.
  • Accident Waiver – A few companies allow you one accident without raising rates if your claims history is clear for a certain period of time.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.

It’s important to note that many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck.

A partial list of companies that may offer these discounts include:

It’s a good idea to ask all companies you are considering which discounts they offer. Discounts may not be available in every state.

Don’t be fooled by advertising claims

Insurance coverage companies such as Allstate and Progressive continually stream television and radio advertisements. They all seem to make the same claim that you can save after switching your coverage to them. But how can every company make almost identical claims?

Different companies have a certain “appetite” for the type of customer they prefer to insure. For example, a desirable insured might be over the age of 40, has no driving citations, and has excellent credit. A prospective insured that hits that “sweet spot” will get the preferred rates and most likely will save when they switch companies.

Drivers who fall outside these standards will be quoted a more expensive rate and ends up with business going elsewhere. The ad wording is “customers that switch” not “everybody who quotes” save that much. That’s the way companies can truthfully advertise the way they do. This emphasizes why you absolutely need to get as many quotes as possible. It’s just too difficult to predict which insurance companies will give you the biggest savings on Pontiac Grand Am insurance.

How much car insurance do I need?

When it comes to buying the best insurance coverage coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different.

For example, these questions might help in determining if you will benefit from professional help.

  • Which is better, split liability limits or combined limits?
  • Does having multiple vehicles earn me a discount?
  • Do I need special endorsements for business use of my vehicle?
  • Why am I required to buy high-risk coverage?
  • Is extra glass coverage worth it?
  • Are my friends covered when driving my car?
  • What is the difference between comprehensive and collision coverage?
  • Should I buy only the required minimum liability coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form.

Information about specific coverages

Understanding the coverages of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision) – This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, hitting a deer, vandalism, theft and a tree branch falling on your vehicle. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability – Liability coverage will cover injuries or damage you cause to a person or their property that is your fault. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as loss of income, attorney fees, bail bonds and medical services. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Collision coverage – This coverage pays for damage to your Grand Am from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, crashing into a building, sustaining damage from a pot hole, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments – Med pay and PIP coverage kick in for bills such as rehabilitation expenses, hospital visits, prosthetic devices, chiropractic care and ambulance fees. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

More quotes mean more savings

Drivers change insurance companies for a variety of reasons including not issuing a premium refund, high prices, denial of a claim or being labeled a high risk driver. No matter why you want to switch, finding a great new company is pretty easy and you might even save some money in the process.

As you go through the steps to switch your coverage, it’s a bad idea to reduce needed coverages to save money. There have been many cases where drivers have reduced liability coverage limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

The cheapest 2000 Pontiac Grand Am insurance is possible on the web as well as from independent agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

To learn more, feel free to visit the resources below:

Frequently Asked Questions

Are there any specific insurance companies that offer discounts for a 2000 Pontiac Grand Am?

While discounts may vary by state and insurer, some companies that may offer discounts for a 2000 Pontiac Grand Am include:

  • Travelers
  • 21st Century
  • State Farm
  • GEICO
  • SAFECO
  • AAA

It’s recommended to inquire with each company you’re considering to find out the discounts they offer, as availability may vary by location.

How can I find the best insurance rates for a 2000 Pontiac Grand Am?

To find the best insurance rates for your 2000 Pontiac Grand Am, follow these  steps:

  • Research multiple insurance companies and gather quotes from each.
  • Compare the coverage options, deductibles, and exclusions offered by each company.
  • Consider the financial stability and reputation of the insurers.
  • Evaluate customer reviews and ratings for each company.
  • Contact independent insurance agents to inquire about additional options.
  • Choose the insurance policy that provides adequate coverage at the most affordable price.

Can I get insurance coverage for my 2000 Pontiac Grand Am if I have a poor driving record?

Yes, it is still possible to obtain insurance coverage for your 2000 Pontiac Grand Am even if you have a poor driving record. However, it’s important to note that a poor driving record may result in higher insurance premiums. It’s recommended to reach out to insurance companies and compare quotes to find the most affordable options available to you.

What steps can I take to lower my insurance costs for a 2000 Pontiac Grand Am?

Here are a few steps you can take to potentially lower your insurance costs for a 2000 Pontiac Grand Am:

  • Maintain a clean driving record by practicing safe driving habits and avoiding traffic violations.
  • Consider increasing your deductible, which may lower your premium but also means you’ll pay more out of pocket in the event of a claim.
  • Inquire about available discounts such as safe driver discounts, multi-car discounts, or discounts for bundling your auto insurance with other policies.
  • Review your coverage limits and adjust them based on your needs. Avoid paying for unnecessary coverage options.
  • Improve the security of your vehicle by installing anti-theft devices or parking it in a secure location.
  • Keep your credit score in good shape, as some insurers consider credit history when determining premiums.
  • Compare quotes from multiple insurance companies to ensure you’re getting the best possible rate.

Is it worth purchasing comprehensive and collision coverage for my 2000 Pontiac Grand Am?

Whether or not it’s worth purchasing comprehensive and collision coverage for your 2000 Pontiac Grand Am depends on various factors, including the value of your vehicle and your personal financial situation. Consider the following:

  • If your car has a low market value, the cost of comprehensive and collision coverage may outweigh the potential benefits.
  • However, if your vehicle holds significant value or if you have a loan or lease that requires full coverage, comprehensive and collision insurance can provide important financial protection in case of theft, vandalism, accidents, or other covered incidents.
  • Evaluate the cost of the coverage, including deductibles, and compare it to the potential expenses of repairing or replacing your vehicle without insurance.
  • It’s recommended to assess your individual circumstances and consult with insurance professionals to determine the most suitable coverage options for your 2000 Pontiac Grand Am.

How do I determine the right amount of car insurance coverage for my Pontiac Grand Am?

The amount of car insurance coverage you need depends on various factors. Consider the following questions:

  • Do you prefer split liability limits or combined limits?
  • Does owning multiple vehicles qualify you for a discount?
  • Do you require special endorsements for business use of your vehicle?
  • Are you required to buy high-risk coverage?
  • Is additional glass coverage worth it?
  • Are friends covered when driving your car?
  • What is the difference between comprehensive and collision coverage?
  • Should you buy only the required minimum liability coverage?
  • Is your vehicle covered by your employer’s policy when used for work?

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption