2006 Pontiac G6 Insurance Rates – 8 Ideas for Best Quotes

Searching for lower insurance coverage rates for your Pontiac G6? Did you fall for a flashy sales pitch and buy overpriced insurance coverage? Believe me, you’re not the only one.

Since consumers have many options when it comes to insurance coverage, it’s nearly impossible to find the cheapest company.

You should take the time to check insurance coverage prices periodically since rates change quite often. Even if you got the best price on G6 insurance last year you may be paying too much now. Forget all the misinformation about insurance coverage because you’re about to learn how to quote online to get good coverage at a lower rate.

Compare Car Insurance Costs

There are a variety of methods you can shop for 2006 Pontiac G6 car insurance and some are easier and takes less work. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you can utilize the web to get rate comparisons in just a few minutes.

The majority of car insurance companies belong to an insurance system that enables customers to enter their policy data once, and each participating company can give them a price for coverage. This eliminates the need for quotation requests to every company.

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The only drawback to pricing coverage this way is that you can’t choose the companies you will receive quotes from. So if you prefer to pick specific providers to request quotes from, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.

However you get your quotes, make sure you use the exact same quote information for each price quote. If each company quotes differing limits you can’t possibly truly determine the lowest rate. Slightly different coverage limits can result in a big premium difference. And when price shopping your coverage, more quotes gives you a better chance of getting the best rates.

Advertising myths

Insurance coverage companies such as Allstate and Progressive continually stream ads on TV and radio. They all seem to have a common claim that you can save after switching to them. But how can every company say the same thing?

Different companies can use profiling for the type of customer they prefer to insure. An example of a driver they prefer might be over the age of 50, a clean driving record, and has great credit. Any driver who matches those parameters receives the best rates and is almost guaranteed to save when switching.

Consumers who don’t measure up to this ideal profile will have to pay more money and ends up with the driver buying from a lower-cost company. The ads say “people who switch” not “everybody who quotes” save that much money. That is how insurance companies can confidently advertise the way they do. Because of the profiling, drivers must quote coverage with many companies. It’s just too difficult to predict which insurance coverage company will fit your personal profile best.

Cut your premium with these eight discounts

Car insurance companies do not advertise all available discounts in an easy-to-find place, so we took the time to find both the well known as well as the least known discounts you could be receiving.

  • Safe Drivers – Insureds without accidents may save up to 50% more on G6 insurance than drivers with accident claims.
  • New Vehicle Savings – Insuring a new car can save up to 30% compared to insuring an older model.
  • One Accident Forgiven – Certain companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Defensive Driver – Taking a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save 10% or more off your medical payments premium.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if offered at their school.

Keep in mind that most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn’t work that way.

Car insurance companies that may offer some of the above discounts include:

Double check with each company what discounts are available to you. Discounts may not be available in every state.

What is the best insurance coverage?

When it comes to choosing coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether or not you could use an agent’s help.

  • Can I get a multi-policy discount?
  • Is my nanny covered when driving my vehicle?
  • Am I covered if I hit a deer?
  • Should I carry comprehensive and collision coverage?
  • What exactly is covered by my policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How high should my medical payments coverage be?
  • If I drive on a suspended license am I covered?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Learn about insurance coverages for a 2006 Pontiac G6

Having a good grasp of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types available from insurance companies.

Auto liability insurance

This coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as emergency aid, pain and suffering, repair costs for stationary objects, medical expenses and bail bonds. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as rock chips in glass, fire damage, hitting a bird, a tree branch falling on your vehicle and falling objects. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision insurance

This coverage covers damage to your G6 resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a ditch, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like chiropractic care, surgery, EMT expenses, pain medications and nursing services. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

A penny earned…

Lower-priced 2006 Pontiac G6 insurance is possible both online as well as from independent agents, and you need to price shop both to get a complete price analysis. Some auto insurance companies don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

While you’re price shopping online, it’s a bad idea to reduce needed coverages to save money. In many instances, an insured cut physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at a price you can afford.

In this article, we covered many tips how you can get a better price on insurance. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with some of the lesser-known companies. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.

More detailed auto insurance information can be read at these sites: