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Car Insurance for Your Pontiac
Pontiac, once owned by General Motors (GM), is still widely available and continues to be very popular with many Canadian drivers. Whether you're the original owner, or you're buying a 'new to you' Pontiac, if you're a Pontiac enthusiast, don't let your enthusiasm for the vehicle be marred by the high cost of insurance. Instead, compare auto insurance quotes today, at Kanetix.ca, for the best priced auto insurance. We search for your lowest rates from more than 50 insurance providers so you can be confident knowing that you're getting the best deal on your car insurance coverage.
Founded in 1926 by GM and discontinued in 2010, Pontiac was home to about 60 different models over the course of its 80 plus years in production, and many of the newer Pontiacs are still on the road today. In fact, according to auto insurance quotes from Pontiac drivers at Kanetix.ca, the following are the top 10 most popular Pontiac vehicles:
- Pontiac G5
- Pontiac Montana
- Pontiac Vibe
- Pontiac G6
- Pontiac Sunfire
- Pontiac Grand Prix
- Pontiac Torrent
- Pontiac Grand Am
- Pontiac Wave
- Pontiac Pursuit
Among others, the Pontiac Firebird, Aztek, Solstice, and GTO are also popular. Overall, the average age of drivers getting a quote for a Pontiac at Kanetix.ca is 37; however, the G5 skews younger at 33, while the Montana attracts an older clientele whose average age is 45.
Tips to lower your Pontiac car insurance rate
No matter what type of Pontiac you drive, there are ways to lower your auto insurance rate:
- Make sure your Pontiac and any other vehicle you own are on the same policy. Many families own more than one vehicle and there is a way to save on your car insurance with a multi-vehicle discount. Car insurance companies offer this discount if you insure all of your vehicles with them, under one policy. The multi-vehicle discount, available from most insurers, can help you save on car insurance usually to the tune of up to 10 or 20 per cent.
- Insure your vehicles and your home with the same company. Most insurance providers offer a multi-line discount if you insure both your home and car with them. By bundling your policies with one insurance provider, you can typically save up to five to 15 per cent on your premiums. This discount isn't just available to homeowners either. If you buy a condo insurance policy or tenant policy, you'll qualify for the discount too.
- Change your tires seasonally. Many insurers offer a discount of up to five per cent if you install winter tires each year. The winter tire discount has become popular in recent years because it's believed you are much safer driving on snow and ice with them than if you only rely on all-season tires.
- Ask your current insurer about the discounts they offer. There are plenty of ways to save on your car insurance with discounts so don't be hesitant to ask your current insurer about the discounts they offer. Some popular ones you might not know about may include:
- The Good Student Discount for drivers in the family, enrolled at school, who do really well at hitting the books.
- The Student Away at School Discount may be available if you have a child who is away at college or university, and only drives the car when they're home to visit.
- Review your optional coverages and their deductibles. Chances are your Pontiac is at least eight model years old, which means it may be time to consider whether you should be keeping the collision and/or comprehensive coverage that you may have on your policy. The reason for this is because typically, as cars get older their value falls too, which means you should chat with your insurer to see if there is still a point in having the coverage. If it's decided it is, this is also a good time to talk about your policy's deductibles to make sure they're set at an amount that makes sense. For example, if your Pontiac is worth about $1,000 and your deductible is set to $1,000, then the coverage isn't going to help much, if at all, at the time of a claim.
- Pay your premium all at once. You are likely to save money on your coverage if you pay your premium all at once rather than paying monthly because some insurance companies charge extra to cover the cost of administering payments every month. This essentially means you will be paying less for your insurance coverage over the course of the policy's term because you're not paying extra fees.
- Drive carefully. A clean driving record is one of the major factors in having a lower insurance rate. Traffic tickets and at-fault accidents are likely to increase your insurance premium for years. For those who get a ticket, expect that ticket to stay on your driving record for up to three years. And, if you're involved in an accident, it will stay on your record for at least six years. Make sure to drive carefully and be cautious at all times or you may end up paying more for your coverage.
- Explore your commute to work options. Your commute to work may be a long one depending on where you live. If you have options for getting to work, like public transit, then you may want to consider using these alternatives. Not only does it save you money on gas and parking fees, it also decreases your chance of getting into an accident, helps you in avoiding tickets, and minimizes the overall distance you drive each year which, together, all help to keep your insurance premium at the lowest rate possible.
- New driver? Take a driver's training course. Discounts are offered by insurance providers to those who are newly licensed drivers who have completed an approved driver training course in the last three years. If you have a newly licensed, young driver, in the house, encourage them to take a driver's training course. It will pay for itself in the long run because safer drivers pay lower insurance rates and with the right training, they'll have the tools to navigate the roads in the safest way possible.
- Check in on your Pontiac insurance rates as your life changes. Your car insurance rate often changes throughout the stages of your life. Getting married, moving, changing how you commute to work, adding teen drivers to your policy, and retiring may affect your premium. It's best to check regularly, at least once a year on renewal, that you're still getting the best rate possible from your current insurance provider by shopping around for a lower rate.
- Shop around each year for the best price.
Car insurance coverage may be standard, but insurance premiums are another story. Prices for coverage from one insurance provider to the next can vary by hundreds, if not thousands of dollars. The only way to make sure you are getting the best price for your policy is to compare, compare, compare. Kanetix.ca makes it easy and shops the market for you. Compare car insurance quotes today for a better price. It's easy, secure and free.