Vehicles > Pontiac > Le Mans

Pontiac Le Mans Insurance Rates

Finding cheaper auto insurance from online rate quotes can be fast and easy, in addition you can save money. The most important part is to compare as many rate quotes as possible in order to have every option.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of auto insurance companies offering insurance. Finding a lower price on Le Mans insurance doesn't have to be difficult. You just have to take a little time getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished by comparing rates here.

Criteria which help determine Le Mans insurance cost

Car insurance premiums for a Pontiac Le Mans will vary greatly depending on several factors. A few of these criteria are:

  • A clean driving record keeps rates low
  • Your credit history
  • The size of your community
  • How many miles you drive
  • Your gender can raise or lower rates
  • Deductible amount directly impacts your rate
  • NTSB crash rating for your vehicle
  • Your claim history
  • No coverage lapses saves money
  • Owning a home can lower rates

An additional factor which can affect Le Mans insurance rates is the year of the vehicle. Newer models have a higher actual cash value than older models so the cost to replace them will push premiums up. Conversely, newer models may have safety features such as adaptive cruise control, a collision avoidance system, autonomous braking, and an advanced theft deterrent system so those may lower rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability insurance

This coverage protects you from injuries or damage you cause to other people or property that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision coverage

This pays for damage to your Pontiac caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. Le Mans collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount 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 consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical expense coverage

Med pay and PIP coverage pay for bills such as ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.

How Much are Pontiac Le Mans Insurance Rates?