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Pontiac G5 Insurance Cost

You have many choices when shopping for car insurance for your Pontiac vehicle. You can buy direct from an agent or go online to compare insurance costs of multiple companies. Finding cheaper auto insurance online can be fast and easy, in addition you can save money.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of online auto insurance companies and websites offering insurance. Lowering your Pontiac G5 insurance rates is not rocket science. You just need to take a few minutes getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Criteria which help determine your insurance rates

Car insurance premiums for your Pontiac G5 can be significantly different depending on several factors. A few of these criteria are:

  • Higher performance G5 vehicles cost more
  • How many accidents you have had
  • Home/auto policy bundles save money
  • Pleasure, commuting or business use can affect rates
  • Optional coverages like vehicle replacement
  • Your claim history
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

An additional factor which can affect Pontiac G5 insurance cost is the year of the vehicle. Models that are new have a higher actual cash value than older models so the cost to replace them may end up costing you more. But new Pontiac models may have safety features including pedestrian detection, dual-stage airbags, and blind-spot warning system that may help help offset higher rates.

To get more specific information about how much rates will be for your vehicle, select the year of your G5 from the following list.

Liability coverage

This coverage provides protection from injuries or damage you cause to other's property or people that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible 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 older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage covers 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 highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when the "other guys" either have no liability insurance or not enough. Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills such as ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available and may carry a deductible.

How Much are Pontiac G5 Insurance Rates?