Cheap 2005 Pontiac GTO Car Insurance Quotes

Trying to find cheaper insurance coverage rates for your Pontiac GTO? Finding cheaper auto insurance quotes online is challenging if you’ve never received quote comparisons online. But don’t give up because using the internet to shop for insurance coverage is actually quite easy.

Locating the best auto insurance coverage is quite easy. Essentially anyone who carries auto insurance will more than likely be able to lower their premiums. Although car owners benefit from understanding how big insurance companies price insurance differently and use this information to your advantage.

The best way we recommend to compare car insurance company rates is to know all the major auto insurance companies participate in a system to give you rate quotes. To get started, all you need to do is give the companies some data including how much coverage you want, if the vehicle is leased, your education level, and if you have an active license. Those rating factors is then sent to multiple different insurance companies and you receive quotes instantly to find the best rate.

To compare rates for your car now, click here and enter your coverage details.

Cheaper insurance rates with discounts

Auto insurance companies do not advertise every policy discount in an easy-to-find place, so we researched some of the more common as well as the least known credits that may apply to you.

  • Early Signing – A few insurance companies offer discounts for switching companies before your current coverage expires. The savings is around 10%.
  • Policy Bundle Discount – When you combine your home and auto insurance with one company you will save as much as 10 to 15 percent.
  • Employee of Federal Government – Active or retired federal employment may reduce rates when you quote auto insurance for GTO coverage with some insurance companies.
  • Auto/Life Discount – Some insurance companies give a small discount if you purchase some life insurance too.
  • Paperless Signup – Many companies will discount your bill up to fifty bucks shop auto insurance on their website.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will cut the amount you pay for coverage.

Some of the larger companies who might offer some of the discounts shown above may include but are not limited to:

If you need low cost auto insurance quotes, ask each insurance company which discounts you qualify for. Some discounts listed above might not be offered on policies in your state. To view insurers that have a full spectrum of discounts, click this link.

Learn how to get insurance at a discount

Many factors are used in the calculation when premium rates are determined. A few of the factors are predictable such as traffic violations, but some are not quite as obvious such as your credit history or your commute time.

  • Decrease insurance rates by maintaining coverage – Having a lapse in insurance coverage is a sure-fire way to bump up your insurance costs. In addition to paying higher premiums, being ticketed for driving with no insurance can result in fines and jail time. You may then have to file a SR-22 with your state motor vehicle department.
  • Costs increase with policy add-ons – Insurance companies have many extra add-on coverages that may not really be needed if you don’t pay attention. Things like coverage for rental cars, towing coverage, and motor club memberships could be just wasting money. These coverages may sound good when discussing your needs, but your needs may have changed so remove them and pocket the money.
  • Being married can lower costs – Getting married actually saves money when shopping for insurance. Having a significant other may mean you are more financially stable and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
  • Better insurance rates with anti-theft devices – Purchasing a vehicle with advanced anti-theft systems can help lower your premiums. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
  • Liability coverage – Liability coverage will provide protection if you are found liable for physical damage or personal injury to other. It will provide you with a defense in court which can cost thousands of dollars. It is affordable coverage compared to physical damage coverage, so buy as much as you can afford.
  • Do you save by driving less? – Driving more miles every year the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles partially by how you use the vehicle. Vehicles that sit idle most of the time cost less to insure than those used for commuting. A policy that improperly rates your GTO may be costing you. Make sure your declarations sheet correctly shows the correct usage for each vehicle, because improper ratings can cost you money.
  • Bad drivers pay high prices – Being a careful driver has a big impact on rates. Drivers with clean records get better rates as compared to those with violations. Even one ticket could increase your next policy renewal to the point where it’s not affordable. Drivers who have severe violations such as hit and run, DWI or reckless driving convictions might be required by their state to file a SR-22 with their state in order to continue driving.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

For example, these questions might point out whether you could use an agent’s help.

  • Can I get a multi-policy discount?
  • Do I need to file an SR-22 for a DUI in my state?
  • Should I put collision coverage on all my vehicles?
  • Is upholstery damage covered by car insurance?
  • Is my custom paint covered by insurance?
  • What is the ISO rating for a 2005 Pontiac GTO?
  • When do I need to add a new car to my policy?
  • I have health insurance so do I need medical payments coverage?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form.

Parts of your car insurance policy

Having a good grasp of a car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be confusing and nobody wants to actually read their policy.


Liability insurance provides protection from injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things like medical expenses, funeral expenses, pain and suffering and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Collision coverage protection

Collision coverage pays for damage to your GTO resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a building, crashing into a ditch, scraping a guard rail and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Pontiac GTO.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses like funeral costs, chiropractic care and ambulance fees. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive car insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, damage from getting keyed and hitting a deer. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

The best insurance company isn’t always the cheapest

Insureds who switch companies do it for many reasons like extreme rates for teen drivers, being labeled a high risk driver, policy cancellation and even poor customer service. It doesn’t matter why you want to switch switching companies can be easy and end up saving you some money.

Throughout this article, we presented some good ideas how to compare 2005 Pontiac GTO insurance prices online. It’s most important to understand that the more quotes you get, the higher your chance of finding inexpensive auto insurance. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising.

Some car insurance companies may not provide online price quotes smaller providers prefer to sell through local independent agencies. Affordable 2005 Pontiac GTO insurance is definitely available both online and with local insurance agents, and you should be comparing both to have the best chance of lowering rates.

Additional car insurance information is available on the following sites: