Lower Your 2005 Pontiac G6 Insurance Rates

Want the cheapest insurance coverage rates for your Pontiac G6? Saving money on insurance coverage is always hard for consumers not familiar with comparison shopping online. Drivers have so many options that it can easily become a real hassle to locate the lowest price.

Quick Insurance Coverage Quotes

Most major insurance companies like Allstate and Progressive quote pricing on the web. Getting quotes doesn’t take a lot of time as you simply type in your coverage information into a form. After you complete the form, their system requests credit information and your driving record and generates pricing information determined by many factors.

Online price quotes streamlines rate comparisons, but the time it takes to visit a lot of sites and fill out multiple forms gets old quite quickly. Unfortunately, it is important to compare as many rates as possible if you want to find better insurance coverage pricing.

The easy way to compare rates

The quickest way to compare rates requires only one form to return rates from more than one company. This type of form saves time, eliminates repetitive work, and makes online quotes much more enjoyable. After sending your information, it is quoted with multiple companies and you can pick your choice of the resulting price quotes.

If you find a better price you simply finish the application and purchase the new policy. It only takes a few minutes and you’ll know if lower rates are available.

To quickly find out how much you’re overpaying now, click here and input your coverage information. If you currently have coverage, we recommend you replicate the coverage information exactly as they are listed on your policy. Doing this guarantees you will get a rate comparison based on similar coverages.

Discounts are basically free money

Insurance can be prohibitively expensive, but companies offer discounts that you may not even be aware of. Some discounts apply automatically at the time of quoting, but a few need to be asked for prior to getting the savings.

  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Good Student – This discount can save 20 to 25%. The discount lasts up until you turn 25.
  • Clubs and Organizations – Affiliation with a professional or civic organization is a good way to get lower rates when shopping for insurance for G6 coverage.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off for G6 coverage with select insurance companies.
  • Early Switch Discount – Some companies give discounts for switching policies prior to your current policy expiring. It’s a savings of about 10%.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts may earn rate discounts of more than 20%.
  • New Vehicle Savings – Insuring a new car is cheaper since new cars are generally safer.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Claim Free – Claim-free drivers pay much less compared to frequent claim filers.

It’s important to note that most discount credits are not given to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will help reduce your premiums.

Insurance companies that may offer some of the above discounts are:

It’s a good idea to ask each insurance company what discounts are available to you. All car insurance discounts may not apply in your state.

Why you might be paying too much to insure your Pontiac G6

It’s important that you understand the rating factors that help determine the price you pay for insurance coverage. Understanding what influences your rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Do men or women drive better? – The statistics show women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Men and women tend to get into accidents at a similar rate, but men tend to have more serious accidents. Men also receive more costly citations like DUI and reckless driving.
  • Having a spouse can save you money – Getting married can get you a discount on your policy. Marriage usually means you are more mature than a single person and statistics show drivers who are married are more cautious.
  • Choose a safe vehicle and save – Vehicles with high crash test scores can get you lower premiums. Safer cars result in less severe injuries and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If your Pontiac is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Adjust deductibles and save – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Pontiac. Examples of covered claims are running into the backend of another car, damage caused by hail, or theft. Physical damage deductibles are how much you are willing to pay before a claim is paid by your company. The more you’re willing to pay, the bigger discount you will receive for G6 coverage.
  • Poor credit can mean higher rates – Credit rating is a big factor in determining what you pay for insurance coverage. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with poor credit. If your credit score can use some improvement, you could potentially save money when insuring your 2005 Pontiac G6 by improving your credit score.

Which insurance is the “right” coverage?

When choosing the best auto insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that may help highlight whether your personal situation may require specific advice.

  • When would I need rental car insurance?
  • What are the financial responsibility laws in my state?
  • How many claims can I have before being cancelled?
  • What is roadside assistance coverage?
  • When should I not file a claim?
  • What is the ISO rating for a 2005 Pontiac G6?
  • Is business equipment covered while in my vehicle?
  • How much can I save by bundling my policies?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered when driving on a suspended license?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form.

Educate yourself about auto insurance coverages

Understanding the coverages of your auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

UM/UIM 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. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2005 Pontiac G6.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage – This coverage pays for damage to your G6 resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, backing into a parked car, crashing into a building, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Auto liability – Liability coverage protects you from damage or injury you incur to other’s property or people by causing an accident. It protects you from claims by other people. Liability 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. As an example, you may have policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like repair bills for other people’s vehicles, bail bonds, legal defense fees and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for expenses such as EMT expenses, ambulance fees, funeral costs, doctor visits and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from getting keyed, hitting a bird and hitting a deer. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

More quotes. Lower rates.

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. In many cases, an insured cut comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

People leave their current company for a variety of reasons including denial of a claim, extreme rates for teen drivers, poor customer service and even delays in paying claims. Regardless of your reason, choosing a new company can be less work than you think.

Cost effective 2005 Pontiac G6 insurance can be purchased on the web and with local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers do not offer online quoting and most of the time these smaller companies sell through independent agents.

Additional information is available at the links below