2007 Pontiac G6 Insurance Rates

Want cheaper insurance rates? Drivers have lots of choices when trying to find the lowest priced Pontiac G6 insurance. They can either spend hours struggling with agents to compare prices or save time using the internet to make rate comparisons. There are more efficient ways to compare insurance rates and you need to know the best way to quote coverages for a new or used Pontiac and locate the lowest price from both online companies and local agents.

It’s smart to take a look at other company’s rates at least once a year since rates fluctuate regularly. Even if you got the best price on G6 insurance on your last policy you can probably find a better price now. So just ignore everything you know about insurance because I’m going to teach you the things you must know in order to lower your annual insurance bill.

Finding Auto Insurance

There are a lot of ways you can shop for auto insurance but there is one way that is more efficient than others. You can spend your afternoon talking about coverages with insurance agencies in your area, or you could use online quotes to get pricing more quickly.

Many insurance companies participate in a marketplace that enables customers to submit their information once, and each company can provide price quotes based on that data. This system prevents you from having to do form submissions for every auto insurance company.

To fill out one form to compare multiple rates now click here to open in new window.

The one disadvantage to comparing rates this way is you don’t know exactly which companies to get quotes from. So if you want to select from a list of companies to request quotes from, we have a page of auto insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but be sure to compare identical deductibles and coverage limits on every quote. If each company quotes different deductibles it will be next to impossible to determine the best price for your Pontiac G6.

Elements that influence Pontiac G6 insurance rates

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for insurance coverage. Knowing what controls the rates you pay helps enable you to make changes that could result in much lower annual insurance costs.

The list below includes a partial list of the pieces that factor into premiums.

  • Multi-policy discounts can save money – Some insurers give discounts to policyholders who carry more than one policy such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even with this discount, it’s in your best interest to comparison shop to make sure you are getting the best deal.
  • Do you have a high stress job? – Occupations like judges, business owners and stock brokers have the highest rates due to high stress levels and long work days. On the other hand, professions such as scientists, students and the unemployed get better rates on G6 insurance.
  • Lower rates with optional equipment – Owning a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
  • Do you need those extra coverages? – There are quite a few add-on coverages that you can buy on your G6 policy. Insurance for vanishing deductibles, towing coverage and motor club memberships are examples of these. These may sound like a good investment initially, but if you don’t need them eliminate the coverages to reduce your premium.
  • Drive a safer car and pay less – Safer cars are cheaper to insure. The safest vehicles reduce injuries and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders. If the Pontiac G6 has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

How to save on Pontiac G6 insurance

Auto insurance companies don’t always advertise all their discounts very clearly, so the following is a list of both well-publicized and also the lesser-known savings tricks you should be using. If you’re not getting every credit available, you are paying more than you should be.

  • Safe Driver Discount – Safe drivers may save up to 50% more on G6 insurance than less cautious drivers.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on G6 insurance with a few auto insurance companies.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance.
  • No Accidents – Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
  • No Charge for an Accident – Certain companies allow you one accident before raising your premiums if your claims history is clear for a certain period of time.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Homeowners Discount – Owning a house may trigger a auto insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.

A little note about advertised discounts, some of the credits will not apply to the entire cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, it doesn’t quite work that way.

Car insurance companies that possibly offer some of the above discounts include:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Discounts might not apply everywhere.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine if your situation would benefit from professional advice.

  • Is my state a no-fault state?
  • What is the difference between comprehensive and collision coverage?
  • I don’t drive much so do I pay less?
  • Does coverage extend to a rental car in a foreign country?
  • I have health insurance so do I need medical payments coverage?
  • Is pleasure use cheaper than using my 2007 Pontiac G6 to commute?
  • Do I need an umbrella policy?
  • Can I afford low physical damage deductibles?
  • If I drive on a suspended license am I covered?
  • Is my Pontiac G6 covered if I use it for business?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Car insurance coverage information

Understanding the coverages of car insurance helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability

This coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as pain and suffering, funeral expenses, attorney fees, structural damage and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, hitting a deer, vandalism and damage from getting keyed. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical payments

Med pay and PIP coverage kick in for immediate expenses for things like rehabilitation expenses, EMT expenses, doctor visits and dental work. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Pontiac G6.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Auto collision coverage

This coverage pays for damage to your G6 resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a mailbox, scraping a guard rail, damaging your car on a curb, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

A fool and his money are soon parted

People leave their current company for a number of reasons such as policy cancellation, lack of trust in their agent, not issuing a premium refund or delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new insurance company is not as hard as you think.

When you buy insurance online, it’s not a good idea to reduce needed coverages to save money. Too many times, someone dropped collision coverage only to regret at claim time they didn’t purchase enough coverage. Your focus should be to buy enough coverage at the best price, not the least amount of coverage.

Throughout this article, we presented some good ideas how to shop for 2007 Pontiac G6 insurance online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers may even find the best prices are with a small local company.

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