2008 Pontiac G6 Insurance Rates

Tired of paying out the nose each month for car insurance? You are in the same boat as most other car owners. There is such a variety of car insurance companies to buy insurance from, and though it is a good thing to have a selection, it can be more challenging to find a good deal.

More discounts equal less premium

Insurance can be prohibitively expensive, but there are discounts available to help bring down the price. A few discounts will automatically apply when you quote, but less common discounts must be inquired about before you will receive the discount. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Homeowners Discount – Owning a house may trigger a insurance coverage policy discount because owning a home requires personal responsibility.
  • Accident Waiver – A handful of insurance companies will forgive one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you could get a discount of up to 20% off your total premium.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings of 20% or more.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.

It’s important to note that some of the credits will not apply to all coverage premiums. Most only cut individual premiums such as medical payments or collision. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount will help reduce the amount you have to pay.

A partial list of companies that may offer these benefits include:

Double check with each company what discounts are available to you. Some discounts may not apply in your state.

It’s not one size fits all

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Each situation is unique so your insurance needs to address that. For example, these questions might help in determining whether you would benefit from professional advice.

  • Am I covered if I break a side mirror?
  • Will my insurance pay for OEM parts?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered when driving on a suspended license?
  • What is roadside assistance coverage?
  • Exactly who is provided coverage by my policy?
  • Is business property covered if stolen from my car?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Are insurance companies telling the truth?

Consumers can’t get away from ads for cheaper car insurance by companies like State Farm, Geico and Progressive. They all seem to have a common claim that you can save if you switch to them.

But how can every company claim to save you money? This is how they do it.

All the different companies can use profiling for the type of driver that earns them a profit. For instance, a profitable customer might be profiled as a mature driver, owns a home, and has great credit. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and most likely will save quite a bit of money when switching.

Potential customers who are not a match for these standards will have to pay higher prices which leads to the driver buying from a lower-cost company. The ads say “drivers who switch” not “everybody who quotes” save that much. This is how companies can state the savings.

Because of the profiling, drivers should get as many quotes as possible. Because you never know which insurance companies will provide you with the cheapest Pontiac G6 insurance rates.

Learn about insurance coverages for a 2008 Pontiac G6

Knowing the specifics of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages offered by insurance companies.

Liability auto insurance – Liability coverage will cover damage or injury you incur to other people or property in an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like court costs, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, hitting a bird, theft, a broken windshield and falling objects. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – Collision insurance pays for damage to your G6 resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as scraping a guard rail, colliding with a tree, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for expenses for things like doctor visits, EMT expenses, rehabilitation expenses and X-ray expenses. They can be utilized in addition to 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. PIP coverage is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 2008 Pontiac G6.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Shop smart and save

Discount 2008 Pontiac G6 insurance can be sourced both online and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and many times these smaller companies only sell through independent insurance agents.

While you’re price shopping online, do not skimp on coverage in order to save money. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

We just covered some good ideas how to compare insurance prices online. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers may even find the best prices are with a smaller regional carrier. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate, Geico and Progressive.

Additional information can be found at the links below