Would you like an easy way to compare cheaper auto insurance rates in Phoenix, AZ? Phoenix shoppers have many options when shopping for low-cost Pontiac Grand Am insurance. You can either waste hours struggling with agents trying to get quotes or utilize the internet to compare rates.
There is a right way and a wrong way to buy auto insurance and we’ll show you the best way to quote coverages on a Pontiac and obtain the cheapest rates.
How to shop Pontiac Grand Am insurance online
Most major insurance companies make it easy to get prices for coverage on the web. Doing online quotes for Pontiac Grand Am insurance in Phoenix doesn’t take a lot of time as all you need to do is type in the coverages you want into the form. Upon sending the form, their quoting system obtains your driving and credit reports and generates a price based on these and other factors.
Being able to quote online for Pontiac Grand Am insurance in Phoenix makes it easy to compare insurance prices and it’s also necessary to have as many quotes as possible if you want to find affordable prices.
In order to use this form to compare rates, compare rates now from the companies shown below. If you have your current policy handy, we recommend you input coverages and limits exactly as shown on your declarations page. Doing this assures you will have a rate comparison using the same coverage and limits.
The companies shown below are ready to provide free quotes in Arizona. If multiple companies are shown, we suggest you visit two to three different companies to get a more complete price comparison.
Do you qualify for discounts on Pontiac Grand Am insurance in Phoenix?
Some insurance providers do not advertise the complete list of policy discounts in a way that’s easy to find, so the below list has both well-publicized in addition to some of the lesser obvious credits available to bring down your rates.
- Accident-Free Discounts – Phoenix drivers who stay claim-free get the best car insurance rates as opposed to accident-prone drivers.
- Save over 55 – If you’re over the age of 55, you could receive a small decrease in premiums.
- Telematics Data Discounts – Phoenix drivers who agree to allow companies to study where and when they drive by using a telematics device such as Progressive’s Snapshot could see a rate decrease as long as the data is positive.
- E-sign Discounts – A few car insurance companies will provide an incentive simply for signing on the web.
- Discounts for New Vehicles – Insuring a vehicle that is new is cheaper compared to insuring an older model.
- Membership in Organizations – Participating in certain professional organizations could earn you a nice discount on car insurance.
- Discount for Home Ownership – Simply owning a home can get you a discount since home ownership is proof that your finances are in order.
While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the entire policy premium. Most only cut specific coverage prices like collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, you aren’t that lucky. But any discount will help reduce the premium cost.
Companies and some of their more popular discounts are outlined below.
- Progressive may offer discounts for homeowner, multi-vehicle, multi-policy, online signing, and online quote discount.
- SAFECO offers premium reductions for teen safe driver, bundle discounts, safe driver, drive less, and teen safety rewards.
- American Family offers discounts including defensive driver, accident-free, air bags, mySafetyValet, and early bird.
- MetLife offers discounts for good student, good driver, defensive driver, multi-policy, accident-free, and claim-free.
- GEICO has discounts for membership and employees, five-year accident-free, anti-lock brakes, multi-policy, anti-theft, seat belt use, and military active duty.
- The Hartford includes discounts for defensive driver, driver training, anti-theft, vehicle fuel type, air bag, good student, and bundle.
Before you buy a policy, ask every company the best way to save money. Some of the discounts discussed earlier might not apply everywhere. To locate insurers with significant discounts in Arizona, click here to view.
Smart Buyers Know How to Get Insurance at a Discount
When buying insurance it’s important to understand the rating factors that aid in calculating insurance rates. When consumers understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may result in big savings. Many different elements are part of the equation when you quote your car insurance policy. Some factors are common sense such as your driving history, but other criteria are less apparent like your continuous coverage and annual miles driven.
- Gender matters – The statistics show females are less aggressive when driving. However, don’t assume that females are better drivers. Both sexes tend to get into at-fault accidents at a similar rate, but the men tend to have higher claims. Men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
- When should you not file a claims? – Insurance companies in Arizona award cheaper rates to people who do not file claims often. If you’re an insured who likes to file claims you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance is intended to be relied upon for claims that pose a financial burden.
- High performance equals high rates – The performance of the car you need to insure makes a big difference in how high your rates are. Since the Pontiac Grand Am is classified as a coupe, insuring your vehicle will cost similar in price compared to average rates in Phoenix. The lowest performance passenger models generally receive the lowest base rates, but the final cost of insurance is determined by many other factors.
- Get a ticket, pay higher prices – Having a clean driving record influences premium rates substantially. Drivers who don’t get tickets have lower premiums than their less careful counterparts. Even a single moving violation could increase your next policy renewal forty percent or more. Drivers unfortunate enough to have license-revoking violations like DWI, reckless driving or hit and run convictions may face state-mandated requirements to prove financial responsibility with their state in order to continue driving.
- Save money by having multiple policies – Most insurance companies will give a discount to clients that buy multiple policies, otherwise known as a multi-policy discount. Discounts can be ten or even fifteen percent. Even though this discount sounds good, it’s in your best interest to get quotes from other companies to verify if the discount is saving money.
- Infrequent drivers can save – The more you drive annually the higher the price you pay to insure it. A lot of companies apply a rate based on how the vehicle is used. Vehicles left parked in the garage cost less to insure than those that get driven frequently. An incorrectly rated Grand Am may be wasting your money. Double check that your insurance policy is showing annual mileage, because improper ratings can cost you money.
- Premiums drop with age – Inexperience drivers are proven to be careless and easily distracted with other occupants in the car and because of this, their insurance rates are much higher. Older insureds are more cautious drivers, are lower risk to insure, and get fewer tickets.
- Good credit means lower prices – Having a bad credit history is a big factor in calculating your insurance rates. If your credit score could use some work, you could save money insuring your Pontiac Grand Am if you improve your credit rating. People that have very good credit scores tend to be better risks to insure than drivers who have lower credit scores.
Auto insurance is available from your local insurance agencies
Certain consumers still like to visit with an insurance agent and that is a personal choice. Good agents are very good at helping people manage risk and help file insurance claims. The biggest benefit of getting online price quotes is the fact that you can find cheap auto insurance rates and still have a local agent. Putting coverage with small agencies is still important in Phoenix.
After completing this form (opens in new window), your insurance data gets sent to participating agents in Phoenix who will give you bids for your auto insurance coverage. There is no reason to contact any agents due to the fact that quote results will go instantly to you. In the event you want to get a price quote from one company in particular, don’t hesitate to find their quoting web page and fill out their quote form.
Below is a list of insurance companies in Phoenix that can give you rate quotes for Pontiac Grand Am insurance in Phoenix.
- Travelers Insurance
22601 N 19th Ave #216 – Phoenix, AZ 85027 – (623) 572-0032 – View Map
- Chuck Kelly – State Farm Insurance Agent
314 E Thomas Rd – Phoenix, AZ 85012 – (602) 277-5776 – View Map
- Chris Bolton – State Farm Insurance Agent
1630 N 7th St – Phoenix, AZ 85006 – (602) 252-1330 – View Map
- Jan McDaniel – State Farm Insurance Agent
4030 E Bell Rd #112 – Phoenix, AZ 85032 – (602) 266-2050 – View Map
Finding the right insurance company requires more thought than just a cheap price quote. The following questions are important to ask.
- Are there any extra charges for paying monthly?
- How long has their agency been in business in Phoenix?
- Do they reduce claim amounts on high mileage vehicles?
- Where would glass claims be handled in Phoenix?
- Does the quote include credit and driving reports?
- Who are their largest clients?
Car insurance advertising gotchas
Arizona drivers get pounded daily by advertisements that claim the lowest prices by State Farm and Allstate. They all advertise the message that drivers will save a bundle if you get a free Phoenix car insurance quote and switch your car insurance coverage to their company.
That’s great but how can every company cost less than your current company? Just pay attention to how they say it.
All the different companies can use profiling for the type of driver that earns them the highest profit. One example of this type of driver could possibly be between 30 and 50, has no driving citations, and drives a lower-performance vehicle. Any person who meets those qualifications will probably get the lowest premium rates and will also save when switching.
People who don’t measure up to the requirements will be quoted a higher rate and this can result in the customer buying from a different company. The wording the ads use say “drivers that switch” not “everybody who quotes” save money. That’s the way insurance companies can confidently advertise the way they do.
This emphasizes why you need to do a price quote comparison at every renewal. You cannot predict with any certainty which company will have the best premium rates for your profile.
Persistence is the key to affordable rates
Drivers leave their current company for many reasons like policy non-renewal, questionable increases in premium, not issuing a premium refund and policy cancellation. No matter why you want to switch, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.
When searching for inexpensive Phoenix car insurance quotes, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your goal is to purchase a proper amount of coverage at the best price, but don’t skip important coverages to save money.
We just presented many ways to get a better price on Pontiac Grand Am insurance in Phoenix. The key thing to remember is the more times you quote, the higher your chance of finding the cheapest Pontiac Grand Am rate quotes. Consumers could even find that the biggest savings come from the least-expected company.
- Prom Night Tips for Teen Drivers (State Farm)
- Who Has Affordable Car Insurance Rates for Drivers with a Bad Driving Record in Phoenix? (FAQ)
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- Get the Right Protection (InsureUonline.org)
- Auto Theft Statistics (Insurance Information Institute)
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- Smart Auto Insurance Tips (Insurance Information Institute)