2008 Pontiac G5 Car Insurance Rates – 10 Savings Tips

Looking for better car insurance rates for your Pontiac G5? Paying for high-priced Pontiac G5 insurance can deplete your personal savings and put a big crunch on your finances. Comparing price quotes is a great way to reduce premiums and put more money in your pocket.

Numerous car insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates to find the best rate

Low cost insurance

Performing a rate comparison can be challenging if you aren’t aware of the fastest way to get free quotes. You can spend countless hours talking about coverages with insurance companies in your area, or you can utilize online quoting to maximize your effort.

Many companies belong to a marketplace that allows shoppers to only type in their quote data once, and each participating company can give them a price based on that data. This saves time by eliminating repetitive form submissions to each company. To find out how much you’re overpaying now click to open in new window.

One minor caviat to using this type of form is you cannot specify which insurance companies to receive prices from. So if you want to select specific insurance companies to compare, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

Compare rates however you want, just try to keep nearly identical quote information for every quote you compare. If you use unequal deductibles or liability limits you will not be able to decipher which rate is best. Slightly different insurance coverages or limits may result in a large different in cost. Just keep in mind that comparing more rates from different companies will improve the odds of getting a lower rate than you’re paying now.

How to know if you need help

When it comes to buying proper insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions may help highlight if you could use an agent’s help.

  • How can I get my company to pay me more for my totalled car?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I waive the damage coverage when renting a car?
  • I don’t drive much so do I pay less?
  • Does my personal policy cover me when driving out-of-state?
  • Is my 2008 Pontiac G5 covered for smoke damage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What if I total my 2008 Pontiac G5 and owe more than it’s worth?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverage considerations

Knowing the specifics of a auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages offered by auto insurance companies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like EMT expenses, surgery and ambulance fees. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like attorney fees, medical expenses and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM Coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2008 Pontiac G5.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision protection

This will pay to fix damage to your G5 resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a parking meter, driving through your garage door, colliding with a tree and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, a broken windshield, hitting a bird, vandalism and theft. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.