Pontiac GTO Insurance Rates

Drivers have lots of options when insurance shopping for your Pontiac GTO. You can either buy through a local agent or go online to check prices from a lot of car insurance companies. Buying car insurance through online companies can be fast and easy, plus you might just save a little.

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of companies vying for your business. Cutting your Pontiac GTO insurance cost is not a difficult process. Drivers just need to take a couple of minutes to get quotes provided by online insurance companies. This can be accomplished by completing this short form.

Rates are impacted by...

Auto insurance rates on a Pontiac GTO can be significantly different depending on several factors. Including but not limited to:

• Higher performance GTO vehicles cost more
• How many accidents you have had
• Multiple policies can save money
• Pleasure use vs. commuting use
• Young drivers cost more
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Claims drive up premiums
• Having current coverage saves
• Home ownership saves money

A final factor that helps determine Pontiac GTO insurance rates is the model year. New vehicles cost more in comparison to later models so the cost to replace them may end up costing you more. On the flip side, more recent GTO vehicles may have a trim level with safety features like a rollover prevention system, forward-collision avoidance, and dual-stage airbags that may help give discounted rates.

Coverage for liability - This coverage will cover damage or injury you incur to people or other property in an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision - Collision insurance will pay to fix damage to your GTO resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your Pontiac GTO can be pricey, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to get cheaper Pontiac GTO insurance rates.

Comprehensive coverage (or Other than Collision) - This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your Pontiac GTO comprehensive insurance. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.