Techniques for Getting the Cheapest Pontiac GTO Insurance Prices

Drivers have lots of choices when trying to find affordable Pontiac GTO insurance. You can either spend your time driving around trying to get quotes or save time using the internet to compare rates. There is a right way and a wrong way to shop for auto insurance and you need to know the absolute fastest way to price shop coverage on a Pontiac and locate the lowest possible price.

Are you receiving every discount?

Insurance can be prohibitively expensive, but there could be available discounts that you may not even be aware of. Some discounts will apply when you get a quote, but less common discounts must be specifically requested prior to getting the savings.

• Bundled Policy Discount – If you can bundle your home and auto insurance with the same insurance company you could get a discount of 10% to 20% off each policy.
• Active Service Discounts – Being deployed with a military unit may qualify for rate reductions.
• Telematics Discount – Drivers that enable their auto insurance company to track their driving habits remotely such as Progressive’s Snapshot could possibly reduce rates as long as the data is positive.
• Homeowners Savings – Owning a house can get you a discount because owning a home requires a higher level of personal finance.
• Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
• Government Employees – Active or former government employment could qualify for a slight premium decrease for GTO coverage depending on your company.
• ABS Braking Discount – Cars and trucks with ABS and/or traction control can stop better under adverse conditions and the ABS can save up to 10%.
• Paperless Signup – Some of the larger companies will give a small break for buying your policy on the internet.
• 55 and Retired – Drivers over the age of 55 may qualify for a slight reduction on a for GTO coverage.

Drivers should understand that some of the credits will not apply the the whole policy. Most cut individual premiums such as liability and collision coverage. Just because it seems like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.

Large auto insurance companies and their possible discounts are detailed below.

• State Farm may include discounts for Drive Safe & Save, accident-free, multiple policy, anti-theft, and Steer Clear safe driver discount.
• GEICO offers premium reductions for defensive driver, anti-lock brakes, membership and employees, multi-vehicle, federal employee, and seat belt use.
• SAFECO has discounts for accident prevention training, teen safe driver, bundle discounts, safe driver, teen safety rewards, and anti-theft.
• Farmers Insurance offers discounts including youthful driver, distant student, multi-car, bundle discounts, good student, early shopping, and business and professional.
• AAA discounts include anti-theft, pay-in-full, multi-car, AAA membership discount, education and occupation, and good student.
• USAA policyholders can earn discounts including military installation, loyalty savings, good student, multi-vehicle, driver training, annual mileage, and safe driver.

It’s a good idea to ask each company which discounts can lower your rates. Savings might not be offered on policies in your state. To see providers offering auto insurance discounts, follow this link.

Most companies allow consumers to get price estimates on the web. Comparing rates online is quite simple as you simply type in the coverages you want on the page. After you complete the form, the system pulls your driving record and credit report and generates a price.

This makes it a lot easier to compare rates but the work required to visit multiple sites and type in your information can get tiresome after awhile. But it is imperative to perform this step in order to find the lowest possible prices on auto insurance.

The smarter way to lower your rates makes use of a single form that analyzes rates from a lot of companies. The form is fast, requires less work, and makes price shopping online much more efficient. After sending your information, it is quoted and you are able to buy any one of the returned quotes. If you find a better price you can simply submit the application and purchase the new policy. This process takes less than 15 minutes and you’ll know if lower rates are available.

If you want to compare rates using this form now, simply click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you enter your coverages identical to your current policy. Doing this assures you are getting a price comparison based on similar coverages.

How do Insurance Providers Determine Pontiac GTO Insurance Prices?

An important part of buying insurance is that you know some of the elements that aid in calculating your premiums. If you have a feel for what controls the rates you pay, this allows you to make good choices that may result in lower rates.

The itemized list below are a few of the “ingredients” companies use to determine your prices.

• Lower premiums for safer vehicles – Cars with five star safety ratings tend to have better insurance rates. The safest vehicles result in less severe injuries and fewer serious injuries means lower claim amounts passed on to you as lower rates. If your Pontiac is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
• Insurance rates in urban areas – Having an address in a rural area has definite advantages when insuring your vehicles. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft. City drivers have to deal with more aggressive driving styles and more severe claims. More time on the road means a statistically higher chance of an accident.
• Marriage equates to better prices – Walking down the aisle can actually save you money on your policy. Having a significant other means you’re more mature and responsible and statistics prove drivers who are married file infrequent claims.
• Tickets inflate costs – How you drive has a big impact on rates. Drivers who don’t get tickets pay less for auto insurance than people who have multiple driving citations. Even one speeding ticket can increase the cost of insurance by twenty percent. Drivers who have gotten flagrant tickets like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to continue driving.
• Too many claims and you’ll pay more – If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Auto insurance companies award the best rates to insureds that do not abuse their auto insurance. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
• Poor credit can mean higher prices – Having a good credit score is a big factor in your rate calculation. People that have high credit ratings tend to be better risks to insure as compared to drivers with lower credit ratings. So if your credit history is lower than you’d like, you could potentially save money when insuring your Pontiac GTO by repairing your credit.
• Cheaper prices using theft deterrents – Choosing to buy a car that has a built-in theft deterrent system can get you a discount on your auto insurance. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft and help lower rates.

Situations that may require an agent’s advice

When it comes to choosing the right insurance coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining if you would benefit from an agent’s advice.

• What is the minimum liability in my state?
• When does my teenage driver need to be added to my policy?
• Are all vehicle passengers covered by medical payments coverage?
• What is the difference between comprehensive and collision coverage?
• Does my personal auto insurance policy cover using my vehicle for business use?
• Does having multiple vehicles earn me a discount?
• When would I need rental car insurance?
• What vehicles should carry emergency assistance coverage?
• What are the best liability limits?
• Who is covered by my policy?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form.

Get rate quotes or from car insurance agents

Many people would prefer to visit with an insurance agent and often times that is recommended One of the best bonuses of comparing rate quotes online is the fact that you can find lower rates but also keep your business local.

After completing this short form, your insurance coverage information is instantly submitted to participating agents that can provide for your business. You don’t have to contact an agency because quoted prices will be sent to the email address you provide. Get lower rates and an insurance agent to talk to. If you want to compare rates from a particular provider, you just need to visit that company’s website and give them your coverage information.

Choosing a company is decision based upon more than just a cheap price quote. Get answers to these questions too.

• Will a damage claim use OEM or aftermarket replacement parts?
• Where would glass claims be handled?
• Is auto insurance their primary focus?
• By raising physical damage deductibles, how much would you save?
• Do they prorate repair cost based on vehicle mileage?

Pick the best auto insurance agent for you

If you are searching for a reputable insurance agent or broker, it’s important to understand the different agency structures and how they are slightly different. agents can be described as either independent (non-captive) or captive.

Captive Auto Insurance Agencies

Agents of this type generally can only insure with one company and examples are State Farm, Allstate, and Farm Bureau. These agents are unable to compare other company’s rates so they have to upsell other benefits. Captive insurance agents are usually well trained on sales techniques and that enables them to sell even at higher rates. Some people will only use the same agent mostly because of high brand loyalty instead of buying on price only.

Independent Auto Insurance Agencies

These agents are not restriced to one company and that gives them the ability to insure through many companies enabling the ability to shop coverage around. If they find a lower price, an independent agent can move your coverage and you don’t have to do anything.

If you are comparing auto insurance prices, we highly recommend that you contact multiple independent agents to have the best price comparison. They also have the ability to place coverage with additional companies that you may not be familiar with which can save you money.

To search for insurance agents near you, this page can help to find a neighborhood auto insurance agent.

Persistence pays off

People leave their current company for any number of reasons including poor customer service, high rates after DUI convictions, high prices and even delays in paying claims. It doesn’t matter why you want to switch choosing a new insurance company can be less work than you think.

Low-cost Pontiac GTO insurance is available both online and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not provide internet price quotes and usually these small insurance companies prefer to sell through independent insurance agents.

You just read some good ideas how to save on Pontiac GTO insurance. The key concept to understand is the more providers you compare, the higher the chance of saving money. Consumers may even find the best premium rates are with the smaller companies.