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Pontiac Montana SV6 Insurance Cost

Comparing car insurance through online providers is easy, in addition you can save money. The key is to take the time to get rates from all providers in order to accurately compare all possible prices.

Beginners to comparing rates may think purchasing affordable Montana SV6 insurance is hard and time consuming. There are several ways to get quotes from car insurance companies in your area. The easiest way by far to find the cheapest Montana SV6 insurance rates involves getting comparison quotes online. This is very easy and can be done by getting a quick quote here.

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Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a Pontiac Montana SV6 can vary widely based upon several criteria. A few of these criteria are:

  • Your driving record
  • Credit rating
  • Men typically pay more than women
  • The deductible you choose
  • NTSB crash rating for your vehicle
  • Your occupation
  • The amount of protection requested
  • Owning a home can lower rates

An additional factor that can impact Montana SV6 insurance cost is the year of the vehicle. Used vehicles have a much lower replacement value than newer models so the costs to repair will push premiums down. But more recent Pontiac vehicles may have safety features including forward-collision avoidance, a telematics system, tire pressure monitors, and autonomous braking which can help offset higher rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Liability auto insurance

Liability insurance will cover injuries or damage you cause to a person or their property. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision protection

This coverage will pay to fix damage to your Pontiac from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured or underinsured coverage

This coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP is only offered in select states and may carry a deductible.

How Much are Pontiac Montana SV6 Insurance Rates?