Pontiac G5 Insurance Rates

Comparing auto insurance from online companies is easy and there is a good chance you might just save a little. The key is to get rates from all providers in order to have the lowest rate quotes.

Beginners to shopping for insurance may think finding affordable Pontiac G5 insurance can be quite difficult. Lowering your Pontiac G5 insurance rates is actually quite simple. You just need to take a few minutes to get quotes from different insurance companies. This can be done by comparing rates here.

Auto insurance rates paid to insure a Pontiac G5 can fluctuate considerably based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating impacts rates
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Safety rating of your G5
• Claims drive up premiums
• No coverage lapses saves money
• Whether you own your home

A final factor that can impact Pontiac G5 insurance cost is the model year. Newer models have a higher value in comparison to later models so repair costs are higher which may result in higher rates. Conversely, more recent G5 vehicles may have a trim level with safety features such as active head restraints, adaptive headlights, a backup camera, and tire pressure monitors which may lower rates.

Liability coverage

Liability insurance will cover damage that occurs to a person or their property. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision insurance

This coverage will pay to fix damage to your G5 from colliding with another car or object. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your Pontiac G5 comprehensive insurance. The most you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.