2006 Pontiac G6 Insurance Rates – 5 Policy Discounts

Are you overwhelmed by the sheer number of insurance companies? You have a lot of company. Drivers have so many options available that it can be a real challenge to find the lowest price.

It’s a good habit to check insurance prices occasionally because rates trend upward over time. Despite the fact that you may have had the lowest rates on G6 coverage a year ago there is a good chance you can find better rates now. So forget all the misinformation about insurance because you’re going to learn one of the easiest ways to reduce your cost while increasing coverage.

Buying car insurance is quite easy. Essentially every driver who has to buy insurance coverage will most likely be able to save money. But car owners need to learn how big insurance companies price insurance differently.

Compare the Market for Auto Insurance

All major auto insurance companies like GEICO, State Farm and Progressive quote price estimates directly from their websites. Getting quotes is fairly simple as you just enter the amount of coverage you want as detailed in the form. After you complete the form, the company’s rating system will order your credit score and driving record and returns a price quote.

Online price quotes simplifies rate comparisons, but the process of having to visit several different sites and complete many quote forms can get tiresome after awhile. Unfortunately, it is important to perform this step in order to get a better rate.

Quote rates the easy way

An easier way to compare auto insurance pricing uses one simple form to get prices from a bunch of companies at once. The form is fast, requires less work, and makes price shopping online much more efficient. After your information is entered, your coverage is rated and you are able to buy any one of the quote results. If you find a better price you can simply submit the application and purchase the new policy. It can be completed in less than 10 minutes and you will know how your current rates stack up.

In order to compare rates now, click here and enter your information. If you currently have coverage, we recommend you complete the form with your coverages just like they are on your policy. This makes sure you will get rate quotes based on identical coverages.

These five discounts can slash car insurance rates

Companies don’t necessarily list every discount in an easy-to-find place, so the following is a list of some of the more common and also the lesser-known discounts you could be receiving.

  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Homeowners Pay Less – Owning a house may trigger a car insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • Safety Course Discount – Taking a course teaching defensive driving skills could save 5% or more if your company offers it.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company may reduce the rate for each vehicle.
  • Passive Restraints – Vehicles equipped with air bags may earn rate discounts of more than 20%.

It’s important to understand that many deductions do not apply the the whole policy. Most only cut individual premiums such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.

Companies that possibly offer these money-saving discounts include:

It’s a good idea to ask every prospective company which discounts they offer. Some discounts may not apply in every state.

When might I need the advice of an agent?

When it comes to choosing the best car insurance coverage, there really is no best way to insure your cars. Everyone’s needs are different.

For instance, these questions could help you determine if your situation might need professional guidance.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Why do I need rental car insurance?
  • How much liability coverage do I need in my state?
  • Am I covered if I crash into my own garage door?
  • Am I missing any policy discounts?
  • How do I insure my teen driver?
  • Is my teen driver covered when they drive my company car?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

Car insurance coverages for a Pontiac G6

Having a good grasp of auto insurance can help you determine the right coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Collision – Collision insurance covers damage to your G6 resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, hitting a mailbox, driving through your garage door, crashing into a building and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Auto liability insurance – This coverage protects you from damage that occurs to other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things like repair costs for stationary objects, pain and suffering, repair bills for other people’s vehicles and bail bonds. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage – This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, hitting a deer, vandalism, damage from getting keyed and a tree branch falling on your vehicle. The highest amount a auto 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.

Medical payments coverage and PIP – Med pay and PIP coverage pay for expenses for things like pain medications, funeral costs, surgery, ambulance fees and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Pontiac G6.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.