Are you confused by the wide range of auto insurance options? You have a lot of company. There are so many companies to choose from that it can be a ton of work to compare prices.
Finding affordable coverage is quite easy. Just about anyone who carries auto insurance will more than likely be able to save money. Although drivers must know how insurance companies price online insurance and use this information to your advantage.
Companies offering auto insurance don’t list every available discount in an easy-to-find place, so we break down both well-publicized and also the lesser-known discounts you could be receiving.
Drivers should understand that most discount credits are not given to the entire policy premium. The majority will only reduce specific coverage prices like medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way.
Car insurance companies that possibly offer these discounts include:
Before buying, ask each company which discounts they offer. All car insurance discounts might not apply in your area.
There are several ways to get quotes from different insurance companies. The best method to compare 2008 Pontiac G8 insurance prices is to perform an online rate comparison. It is quite easy and can be accomplished in just a few minutes using one of these methods.
The easiest and least time consuming way consumers can analyze rates is a comparison rater form like this one (opens in new window). This form eliminates the need for a different quote for every insurance coverage company. Completing one form gets you price quotes direct from many companies. Just one form and you’re done.
A more difficult way to find lower rates consists of going to the website of each company and request a quote. For sake of this example, we’ll assume you want to compare Farmers, State Farm and GMAC. To get each rate you have to visit each site to input your insurance information, and that’s why the first method is more popular.
For a handy list of car insurance company links in your area, click here.
Whichever method you choose, make absolute certain that you use apples-to-apples deductibles and coverage limits with each company. If you have different liability limits you will not be able to make an equal comparison. Quoting even small variations in insurance coverages may result in a large different in cost. And when comparison shopping, getting more free quotes will enable you to find the best offered rates.
When buying adequate coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.
These are some specific questions might help in determining whether you might need an agent’s assistance.
If you’re not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.
Learning about specific coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.
Coverage for liability
Liability coverage can cover damage or injury you incur to other people or property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.
Liability can pay for claims like pain and suffering, attorney fees and emergency aid. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.
This pays for damage to your G8 from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as hitting a parking meter, colliding with another moving vehicle, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.
Medical expense insurance
Coverage for medical payments and/or PIP pay for bills for things like nursing services, X-ray expenses, prosthetic devices, funeral costs and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Pontiac G8.
Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.
Comprehensive (Other than Collision)
This pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as a tree branch falling on your vehicle, damage from a tornado or hurricane, damage from flooding and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Cheap 2008 Pontiac G8 insurance is definitely available on the web and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.
When trying to cut insurance costs, do not buy poor coverage just to save money. Too many times, someone dropped liability coverage limits only to regret that the savings was not a smart move. Your focus should be to buy enough coverage for the lowest price.
Drivers leave their current company for any number of reasons including delays in responding to claim requests, poor customer service, extreme rates for teen drivers and an unsatisfactory settlement offer. No matter why you want to switch, switching insurance companies can be easy and end up saving you some money.
Additional information can be found at these links: