2009 Pontiac G3 Insurance Cost – 5 Ways to Save

Want the cheapest car insurance rates for your Pontiac G3? Trying to find low cost car insurance could be frustrating for drivers who are beginners to quoting coverage prices online. With such a large choice of insurers available, it can easily turn into a burden to find the perfect company for you.

Buy insurance coverage online

To find low cost prices, there are a couple of ways to obtain and compare prices from lots of insurance coverage companies. By far the easiest way to lower the rate you pay for 2009 Pontiac G3 insurance involves getting comparison quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. If you don’t have a lot of time, the easiest way to find low rates is an all-inclusive rate comparison (click to open form in new window). This style of form keeps you from doing separate quote forms for each price estimate. One form gets rate comparisons from multiple low-cost companies. This is by far the quickest method.
  2. A more time consuming way to analyze rates requires a trip to the website for each individual company and fill out a new quote form. For instance, let’s assume you want to see prices from Nationwide, Progressive and Travelers. In order to compare rates, you need to spend time on each company’s site to input your insurance information, which is why first method is reommended. For a list of links to insurance companies in your area, click here.
  3. The least efficient and most time consuming way to price shop rates is to spend time driving to all the different insurance agencies. Comparing rate quotes online has reduced the need for local agents unless you prefer the extra assistance that can only be provided by a licensed insurance agent. You can, however, find lower rates online but have your policy serviced through an agent.

Take whichever approach you prefer, but try to use the exact same deductibles and coverage limits for every quote you compare. If you compare different deductibles it’s not possible to determine the best price for your Pontiac G3. Just slight variations in insurance coverages may result in a large different in cost. And when comparison shopping, getting more free quotes increases the change that you will find more affordable rates.

Auto insurance companies offer many types of discounts

Insurance can cost an arm and a leg, but you may find discounts to help offset the cost. A few discounts will be applied at quote time, but a few must be requested specifically before you get the savings.

  • Responsible Drivers – Safe drivers can get discounts for up to 45% lower rates on G3 insurance compared to rates paid by drivers with frequent claims.
  • No Charge for an Accident – Not necessarily a discount, but some companies like Liberty Mutual and Geico will let one accident slide before raising your premiums if you are claim-free for a set time period.
  • Save with More Vehicles Insured – Buying coverage for multiple cars on a single policy can reduce the rates for all insured vehicles.
  • ABS Braking Discount – Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents so you can save 10 percent or more.
  • Senior Citizen Discount – Mature drivers may be able to get a small discount on rates on G3 insurance.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to your bottom line cost. Most only cut the cost of specific coverages such as comp or med pay. Just because you may think having all the discounts means you get insurance for free, you won’t be that lucky.

Companies who may offer most of these discounts are:

When getting free car insurance quotes, it’s a good idea to each insurance company to apply every possible discount. Savings may not be offered in your state.

Do I just need basic coverages?

When it comes to choosing adequate coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique.

For example, these questions may help highlight if your insurance needs may require specific advice.

  • Why am I required to buy high-risk coverage?
  • What if I total my 2009 Pontiac G3 and owe more than it’s worth?
  • Do I benefit by insuring my home with the same company?
  • What can I do if my company denied a claim?
  • Can I make deliveries for my home business?
  • Is my babysitter covered when using my vehicle?
  • When should I remove comp and collision on my 2009 Pontiac G3?
  • Should I buy only the required minimum liability coverage?
  • Does coverage extend to my business vehicle?
  • Does medical payments coverage apply to all occupants?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form.

Can you really save $410 a year?

Car insurance providers like Progressive, Allstate and Geico regularly use television, radio, and online ads. All the companies make an identical promise that drivers will save a bundle just by switching to their company. How is it plausible that every one can cost less than your current company? It’s all in the numbers.

Insurance providers look for specific characteristics for the type of insured that will most likely be profitable. A good example of a desirable risk may be over the age of 50, has no driving citations, and drives less than 10,000 miles a year. A propective insured who matches those parameters will most likely get cheap auto insurance rates and is almost guaranteed to save a lot if they switch.

Potential insureds who fall outside these standards will see higher premiums which translates to the customer buying from a different company. Company advertisements say “people who switch” but not “everyone who gets a quote” save that much when switching. This is how insurance companies can lure you into getting a quote.

This really emphasizes why it is so important to do a quote comparison often. It’s just not possible to know the company that will have the best rates at this point in time.

Auto insurance 101

Learning about specific coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive protection – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as fire damage, hitting a deer and falling objects. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Pontiac G3.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage – This coverage covers damage to your G3 from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like rolling your car, backing into a parked car, colliding with a tree and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Liability insurance – Liability coverage will cover damage that occurs to other’s property or people by causing an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as loss of income, repair bills for other people’s vehicles, medical expenses, bail bonds and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like hospital visits, funeral costs, ambulance fees and nursing services. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

What is YOUR best insurance company?

Cheaper insurance coverage can be bought both online and from local insurance agents, and you should be comparing both to have the best selection. Some companies may not have online quoting and usually these smaller companies only sell through independent agents.

Consumers change insurance companies for a number of reasons such as unfair underwriting practices, poor customer service, policy cancellation and denial of a claim. Regardless of your reason, choosing a new insurance company can be easy and end up saving you some money.

When trying to cut insurance costs, you should never reduce coverage to reduce premium. In many instances, someone dropped physical damage coverage and discovered at claim time that it was a big mistake. The ultimate goal is to find the BEST coverage at an affordable rate while still protecting your assets.

Much more information about insurance coverage can be found at the links below