Lower Your 2006 Pontiac G6 Insurance Cost

When shopping for more affordable insurance, do you get confused by the dozens of car insurance companies? There are so many options that it can easily become a difficult situation to find the lowest price.

The cheapest insurance price quotes

There are a variety of methods to shop for insurance, but one way is more efficient than others. You can waste a lot of time talking to insurance agencies in your area, or you can utilize online quoting to get pricing more quickly.

Most of the larger companies enroll in a system where insurance shoppers enter their coverage request one time, and each company provides a quote. This eliminates the need for repetitive form submissions for each company you want a rate for.

To compare pricing click here to start a free quote.

The one downside to using this type of form is you can’t choose the insurers to receive prices from. So if you prefer to pick specific providers to compare prices, we have a page of insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but make sure you use exactly the same quote data with every price quote. If each company quotes mixed coverages it’s not possible to determine the best price for your Pontiac G6. Quoting even small variations in insurance coverages may result in a large different in cost. And when comparison shopping, obtaining a wide range of quotes helps improve the odds of finding the best price.

Insurance coverage policy discounts

Insurance can cost an arm and a leg, but you might already qualify for some discounts that can drop the cost substantially. Many discounts should be triggered at the time of quoting, but a few must be inquired about prior to getting the savings.

• Mature Driver Discount – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for G6 coverage.
• Paper-free Discount – A handful of companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
• New Vehicle Savings – Adding a new car to your policy can be considerably cheaper because newer vehicles keep occupants safer.
• Active Military Service – Having a deployed family member can result in better prices.
• Good Student Discount – Maintaining excellent grades may save you up to 25%. You can use this discount normally well after school through age 25.
• ABS Braking Discount – Anti-lock brake equipped vehicles can reduce accidents so you can save 10 percent or more.
• Own a Home and Save – Simply owning a home can get you a discount since home ownership requires a higher level of personal finance.
• Low Miles Discount – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.

Discounts lower rates, but most of the big mark downs will not be given to the entire cost. A few only apply to individual premiums such as liability and collision coverage. Despite the fact that it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

If you would like to view insurers with discount rates, click here to view.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether you will benefit from professional help.

• Am I getting all the discounts available?
• I have good health insurance, so how much medical payments coverage do I need?
• Can I drive in Mexico and have coverage?
• Where can I get insurance after a DUI in my state?
• How much liability coverage do I need in my state?
• Is a new car covered when I drive it off the dealer lot?
• Does my policy cover me when driving someone else’s vehicle?
• Is my dog or cat covered if injured in an accident?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form.

Insurance coverages explained

Knowing the specifics of insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive protection

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, hail damage, vandalism and hitting a bird. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision insurance

Collision insurance pays for damage to your G6 resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Auto liability

This will cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as emergency aid, legal defense fees, pain and suffering, structural damage and attorney fees. How much coverage you buy is a personal decision, but buy higher limits if possible.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like rehabilitation expenses, pain medications, nursing services and doctor visits. They can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured or underinsured coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.