Pontiac Car Insurance Rates

Pontiac car insurance, despite the fact that they're no longer produced, is not very difficult to obtain as there are still Pontiac parts available. On average it costs $92.67/mo to insure a Pontiac.

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UPDATED: May 4, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: May 4, 2022Fact Checked

Here's what you need to know...

  • Pontiac is no longer being produced
  • There are several advantages to getting a used Pontiac
  • The recommended insurance coverage amounts are more than the required amounts

The Pontiac brand was one of the casualties of the recession of th
[stumble]e early 2000s.

General Motors announced on April 27, 2009, that it would discontinue the Pontiac brand by the end of 2010. They proposed to focus on Chevrolet, Buick, Cadillac, and GMC in North America.

This was done in hope of approval of a 25 billion dollar loan from the U.S. Government. The Pontiac G-6 was the last automobile manufactured by Pontiac.

This was so GM could state that the final Pontiac ever made was at an American plant. This G-6 produced in 2010 was the only one to be produced that year.

Be sure to properly insure whatever car your drive and compare rates often. Use our FREE search tool above by entering your ZIP code now!

Pontiac History

The brand was established in 1926 as a companion brand to General Motors Oakland. By 1933, Pontiac had surpassed Oakland by 1933. The brand was established as the performance vehicle division of General Motors.

Pontiac had a reputation for producing the least expensive cars available with an inline eight engine.

Through the pre-World War II era into the 1950s, the Pontiac was considered a quiet, solid, not especially powerful car. It was popular as a reliable family car through the ’50s and early ’60s.

Pontiac’s market share was dropping rapidly by the 2000s, so that encouraged the demise of the brand.

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Buying a Used (or Discontinued) Car

One advantage that used Pontiacs have over other discontinued brands is that GM, a company that still actively produces cars in the United States, originally made the brand.

This means that parts are likely still available for this brand. On the Pontiac website, they state that warranties will still be honored.

Used cars are the best value you can find when purchasing an automobile. There are a number of reasons:

  • Improved reliability of used cars
  • Depreciation has already been taken
  • Interest rates on new cars are lower, but used car rates are usually only a point or two higher
  • Insurance rates are typically lower

Take into consideration that you will have to pay repairs out of pocket. Most of the repairs will be related to replacing tires, brakes, and batteries, but these won’t be as expensive as buying a new car.

Safety features may not be the latest ones available, but will be relatively up to date.

A leading consumer agency recommends the Pontiac Vibe 2009 as a good choice in a small used car. This is a station wagon with a flat load floor. It is a duplicate of the Toyota Matrix, a small wagon based on the Toyota Corolla.

Insuring a Pontiac

Ordinarily, once a vehicle brand has been discontinued, it is difficult to obtain insurance. This is true particularly if the vehicle brand was out of the United States.

Because Pontiac was a brand included historically by GMC and ready support in the form of parts and warranty support is available, it is treated just as an existing brand.

Eventually, of course, as the period widens between the date of the demise of the brand and the age of cars, the availability of parts and service might be in question.

Getting a Quotation on Car Insurance for a Pontiac

You will find that acquiring an insurance quote on a Pontiac is relatively easy online. There are a number of sites that will provide quotes from different insurance companies.

They are readily available by entering the term “insurance quotes” in your computer’s search engine.

You’ll need the following information:

  • Full names, dates of birth, and license numbers for all drivers
  • Year, make, model, and VIN number of all vehicles you own
  • Records of traffic violations, accidents and the amounts paid, for anything in which you or one of the drivers were involved

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Recommended Limits of Liability

Every state has a Financial Responsibility Statute, which requires certain levels of liability for automobile insurance. The following recommendations will exceed those of most states:

  • Bodily Injury Liability – pays for your legal responsibility in an accident for bodily injury to others
  • Property Damage Liability – pays for your legal responsibility for damage to property of others in an automobile accident
  • Uninsured Motorists Coverage – pays for injury to you or your property if you are involved in an accident with someone who does not have insurance
  • Medical Payments Coverage – pays for funeral and emergency expenses for you in the event of an accident
  • Comprehensive Coverage – pays for theft, glass damage, vandalism, and animal damage less your chosen deductible to your own vehicle. The amount of the deductible affects your premium
  • Collision Coverage – pays for collision damage to your own vehicle less your chosen deductible.

Assess carefully how much you can afford in the way of a deductible. Remember that deductibles apply to each occurrence; so two hail storms could cost twice as much.

Consult with your lender, if there is one, to determine the amount they will find acceptable.

Comparison Shopping for Insurance

Before purchasing a new vehicle, check to see what insurance will cost you for that particular vehicle. Compare prices with several insurance companies because rates vary according to the filings and assessments made by each company.

After you have purchased insurance, be certain that you compare quotes on at least a yearly basis to be certain that your rates remain competitive.

Example Comparison Quotes for a 2009 Pontiac Vibe:

Company #1 – $914.00 – six months coverage

Company #2 – $1,015.00 – six months coverage

These quotes are just sample quotes. They will vary depending on your personal circumstances, records, and driving habits.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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