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Pontiac GTO Insurance Rates

Buying auto insurance through online rate quotes is simple to do, in addition you can save money. The critical component is to compare rates from all companies in order to accurately compare the lowest prices.

Shopping online for auto insurance can be complicated if you have never used online rate quotes. But don't be discouraged because it's actually quite easy. Cutting your Pontiac GTO insurance cost can be surprisingly simple. Drivers just need to take a couple of minutes getting comparison quotes online with multiple companies. This can be accomplished by getting a quick quote here.

Criteria which help determine Pontiac insurance rates

Car insurance premiums on a Pontiac GTO will vary greatly subject to many criteria. A few of these criteria are:

  • Traffic citations increase rates
  • Your credit history
  • Male rates may be higher
  • The deductible you choose
  • NTSB crash rating for your vehicle
  • Your claim history
  • No coverage lapses saves money
  • Owning a home can lower rates

An additional factor that helps determine Pontiac GTO insurance rates is the year of the vehicle. Models that are new cost more than older models so the payout to repair will push premiums up. Conversely, newer vehicles may have safety features such as an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags so those may help offset higher 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.

Auto liability - Pontiac GTO liability coverage can cover injuries or damage you cause to people or other property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision - Collision insurance covers damage to your Pontiac resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your Pontiac GTO can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive auto coverage - This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical payments and PIP coverage - Coverage for medical payments and/or PIP reimburse you for bills such as ambulance fees, surgery, and doctor visits. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Personal injury protection coverage is not an option in every state and may carry a deductible.

How Much are Pontiac GTO Insurance Rates?