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Pontiac GTO Insurance Rates

Drivers have lots of options when shopping for insurance coverage for your Pontiac vehicle. You can either buy through an insurance agent or go online to check prices from insurance carriers. Shopping for auto insurance by getting online quotes can be fast and easy, plus you may find lower rates.

If shopping for auto insurance online is new to you, you may be overwhelmed by the hoards of online auto insurance companies and websites selling insurance. Getting better Pontiac GTO insurance cost can be relatively painless. Just take time to compare quotes provided by online insurance companies. This is very easy and can be done by completing this short form.

Car insurance rates influenced by the following

Insurance premiums for your Pontiac GTO can fluctuate considerably depending on several factors. Including but not limited to:

  • Higher performance GTO vehicles cost more
  • Accidents raise premiums
  • Whether you insure your home with the same company
  • Pleasure, commuting or business use can affect rates
  • Add-on coverages such as rental reimbursement
  • Whether or not you have claims
  • Maintaining coverage lowers rates
  • Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. New vehicles have a higher replacement value compared to older Pontiac models so the cost to replace them may result in higher rates. But newer vehicles have more advanced features including lane departure warning system, pedestrian detection, and tire pressure monitors which may give discounted rates.

To get more specific information about how much rates will be for your vehicle, select the year of your GTO from the list below.

Liability - This coverage can cover damage or injury you incur to other's property or people by causing an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Collision coverage - Collision coverage covers damage to your Pontiac resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision - Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance - Coverage for medical payments and/or PIP pay for immediate expenses like EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Pontiac GTO Insurance Rates?