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Pontiac GTO Insurance Rates

There are many options when attempting to insure your Pontiac vehicle. You can buy direct from an insurance agent or get quotes online to compare pricing from a lot of car insurance companies. Shopping for car insurance through online companies saves time, is easy to do and there is a good chance you may find lower rates.

Comparing car insurance rates direct online can be a challenge if you are a beginner to online quoting. But don't be discouraged because we're going to show you how. The are a couple different ways to compare quotes from local car insurance companies. The fastest way to find the lowest Pontiac GTO insurance quotes consists of shopping online. This can be accomplished by visiting this page.

Insurance premiums on a Pontiac GTO can fluctuate considerably and are calculated by many factors. Some of these factors include:

  • High performance increases premiums
  • Accidents raise premiums
  • Whether you insure your home with the same company
  • Pleasure use vs. commuting use
  • Your age
  • Being married can lower rates
  • Extra coverages like towing and rental
  • Your job
  • Your coverage level
  • Whether you own your home

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks cost less compared to new Pontiac models so the cost to replace them may end up costing you less. On the flip side, newer models have more advanced features like pedestrian detection, a collision avoidance system, and adaptive headlights which may provide discounts that lower premiums.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your GTO below.

Coverage for liability

This protects you from damage that occurs to people or other property by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as high a limit as you can afford.

Auto collision coverage

Collision coverage pays for damage to your Pontiac resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage for your Pontiac GTO can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to get cheaper Pontiac GTO insurance rates.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The most you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. PIP coverage is not available in all states but can be used in place of medical payments coverage.

How Much are Pontiac GTO Insurance Rates?