View 2007 Pontiac G6 Insurance Quotes

Searching for lower insurance coverage rates for your Pontiac G6? Are you intimidated by the sheer number of insurance coverage companies that you can choose from? You have such a vast assortment of companies available that it is a burden to find a cheaper company.

Pontiac G6 insurance premiums can be cheaper

Part of the car insurance buying process is learning the factors that help determine the rates you pay for car insurance. When you understand what impacts premium levels, this enables informed choices that will entitle you to lower rates. Multiple criteria are used when pricing auto insurance. Most are fairly basic such as your driving record, although others are not quite as obvious like your continuous coverage or your vehicle rating.

• File insurance claims and pay more – Auto insurance companies generally give better rates to people who file claims infrequently. If you file a lot of claims you can expect either higher rates or even cancellation. Your insurance policy is designed for claims that pose a financial burden.
• Liability protection safeguards assets – The liability coverage on your policy provides coverage when you are determined to be liable for personal injury or accident damage. This coverage provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
• More policies can equal more savings – Most insurance companies will award a discount to clients who consolidate policies with them. It’s known as a multi-policy discount. Even if you qualify for this discount already, it’s still a good idea to check prices from other companies to verify if the discount is saving money.
• Your location is important – Residing in a small town is a positive aspect when shopping for auto insurance. Fewer drivers on the road means a lower chance of having an accident. Drivers in populated areas have to deal with much more traffic and a longer drive to work. The longer drive time statistically corresponds to a higher accident and claim rate.
• Save miles and save money – The more miles you rack up on your Pontiac in a year’s time the higher your rate. A lot of companies rate vehicles based upon how the vehicle is primarily used. Vehicles that sit idle most of the time receive better premium rates compared to those used for work or business. A policy that improperly rates your G6 may be wasting your money. Double check that your declarations sheet is showing how each vehicle is driven.
• Alarm systems lowers rates – Owning a car with a theft deterrent system can save you some money. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent car theft and help bring rates down.
• Remove unneeded extra policy coverages – Insurance companies have many add-on coverages that can add up but may not be useful. Things like rental car coverage, towing coverage, and motor club memberships are some examples. They may sound like good ideas when buying your policy, but if you have no use for them remove them and pocket the money.

Cheaper rates by getting discounts

Some insurers do not advertise all possible discounts in a way that’s easy to find, so the following is a list of a few of the more well known as well as the least known credits that may apply to you.

• Discount for Passive Restraints – Factory air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
• Discounts for New Vehicles – Buying a new car model may earn a small discount since new model year vehicles are generally safer.
• Payment Discounts – By paying your policy upfront rather than paying in monthly installments you can actually save on your bill.
• Renewal Discounts – Some insurance companies give discounts for renewing your policy before your current expiration date. It’s a savings of about 10%.
• Defensive Driving Course – Successfully completing a course in driver safety may get you a small discount and easily recoup the cost of the course.

Discounts save money, but please remember that some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. Despite the fact that it seems like you would end up receiving a 100% discount, you’re out of luck.

A few popular companies and a partial list of their discounts are outlined below.

• State Farm offers discounts including multiple policy, Steer Clear safe driver discount, driver’s education, anti-theft, and safe vehicle.
• Geico has savings for federal employee, multi-policy, air bags, multi-vehicle, seat belt use, emergency military deployment, and membership and employees.
• Allstate may offer discounts for early signing, premier plus, defensive driver, 55 and retired, and utility vehicle.
• SAFECO may have discounts that include multi-car, homeowner, drive less, bundle discounts, and teen safety rewards.
• Farm Bureau may include discounts for youthful driver, safe driver, 55 and retired, multi-vehicle, and good student.
• Progressive offers discounts for online signing, online quote discount, homeowner, multi-vehicle, continuous coverage, and good student.
• AAA offers premium reductions for AAA membership discount, pay-in-full, anti-theft, good driver, education and occupation, multi-car, and good student.

Before buying, ask every insurance company which credits you are entitled to. Some discounts listed above might not be available to policyholders in your area.

Save $402 a year! What?

State Farm and Allstate regularly use ads on TV and radio. They all advertise claims that drivers can save some big amount just by switching your coverage. How does each company give you a better price? This is the way they can do it.

Insurance providers have a certain “appetite” for the type of customer that earns them the highest profit. For instance, this type of driver might be married and over the age of 30, has a clean driving record, and the vehicle is rated for pleasure use. A customer that matches those criteria will qualify for the lowest prices and is almost guaranteed to save if they switch.

Insureds who do not fit these stringent criteria may be forced to pay higher premiums and ends up with the prospect going elsewhere. The trick companies use is to say “customers that switch” not “everyone who quotes” can get the lowest rates when switching. That’s why companies can lure you into getting a quote.

Because each company has a different risk profile, you need to do a price quote comparison at every renewal. You cannot predict which company will fit your personal profile best.

Your auto insurance coverage should be tailored to you

When buying adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different.

For example, these questions may help highlight if you would benefit from professional advice.

• Is there coverage for injuries to my pets?
• Do I need medical payments coverage since I have good health insurance?
• Do I have coverage for damage caused while driving under the influence?
• How do I insure my teen driver?
• Is my 2007 Pontiac G6 covered for smoke damage?
• Do I get a pro-rated refund if I cancel my policy early?
• If I drive on a suspended license am I covered?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form.

Car insurance policy coverages for a 2007 Pontiac G6

Understanding the coverages of a car insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for liability

Liability coverage will cover damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things like medical expenses, medical services, funeral expenses and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a building, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants 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 G6.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, hail damage, theft and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses such as pain medications, funeral costs, dental work and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Buy Smart and Save

Cheaper car insurance can be bought online in addition to local insurance agencies, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer rates over the internet and these smaller providers work with local independent agents.

People leave their current company for a variety of reasons including delays in responding to claim requests, being labeled a high risk driver, lack of trust in their agent or even policy cancellation. No matter why you want to switch, switching companies can be easy and end up saving you some money.

As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. In too many instances, an insured cut physical damage coverage and discovered at claim time that it was a big error on their part. Your objective should be to buy a smart amount of coverage at the best price but still have enough coverage for asset protection.

More learning opportunities

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)