2010 Pontiac G6 Insurance Quotes – 5 Savings Tips

Want the cheapest insurance rates for your Pontiac G6? Finding more affordable insurance might be quite difficult for people who are new to shopping for insurance online. Because there are so many online companies, it can quickly become a chore to locate the lowest price.

If you are paying for car insurance now, you stand a good chance to be able to save some money using these techniques. Shopping for more affordable protection is easy if you know what you’re doing. Nevertheless, vehicle owners must know how companies market insurance on the web and take advantage of how the system works.

Don’t miss with these five discounts

Car insurance companies don’t list their entire list of discounts in an easy-to-find place, so here is a list a few of the more common and also the more inconspicuous ways to save on insurance.

  • Waiver for an Accident – This one isn’t a discount, but certain companies permit an accident before hitting you with a surcharge if you are claim-free before the accident.
  • Multiple Vehicles – Buying a policy with multiple cars or trucks with the same insurance company can reduce rates for all insured vehicles.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for G6 insurance with certain companies.
  • Clubs and Organizations – Affiliation with a qualifying organization can get you a small discount on your policy.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less for G6 insurance compared to rates paid by drivers with frequent claims.

We need to note that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to individual premiums such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Companies and their possible discounts can be read below.

  • Progressive discounts include online quote discount, multi-policy, good student, continuous coverage, online signing, and homeowner.
  • Geico offers discounts including seat belt use, multi-vehicle, anti-theft, driver training, military active duty, and five-year accident-free.
  • State Farm includes discounts for defensive driving training, student away at school, good student, multiple autos, driver’s education, and anti-theft.
  • Esurance offers discounts for paid-in-full, defensive driver, emergency road assistance, online shopper, multi-car, and multi-policy.
  • The Hartford may offer discounts for good student, anti-theft, defensive driver, air bag, vehicle fuel type, driver training, and bundle.

Check with every prospective company to give you their best rates. Some credits might not apply everywhere. To find insurers offering insurance discounts, click here.

Ways to get car insurance quotes

The are a couple different ways to obtain and compare prices from many available car insurance companies in your state. The best way to find competitive 2010 Pontiac G6 insurance rates is to perform an online rate comparison. This can be done using a couple different methods.

  1. Without a doubt, the easiest way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This type of form prevents you from having to do boring form submissions for each company you want a rate for. A single, simple form will get you price quotes from car insurance companies with the best prices. It’s the fastest way to compare.
  2. A more time consuming way to analyze rates consists of going to the website for every company you want to comare to request a price quote. For instance, let’s say you are doing a rate comparison from USAA, 21st Century and State Farm. To get rate quotes you would need to spend time going to each site individually to input your insurance information, which can get old fast. For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but try to use apples-to-apples coverage data for each comparison quote. If your comparisons have different limits and deductibles on each one it will be nearly impossible to find the best deal for your Pontiac G6. Even a minor difference in coverages can make a big difference in price. And when comparison shopping, comparing a large number of companies helps improve the odds of finding the best offered rates.

Your situation helps dictate your coverage

When choosing the right insurance coverage for your vehicles, there is no best way to insure your cars. Every situation is different.

These are some specific questions might point out if you may require specific advice.

  • What is UM/UIM insurance?
  • Are my friends covered when driving my car?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered when driving a rental car?
  • When can my company non-renew my policy?
  • Am I covered if my car is in a flood?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form.

Information about specific coverages

Knowing the specifics of your auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix 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 coverage pays for things such as damage from a tornado or hurricane, hitting a bird, damage from flooding, hitting a deer and fire damage. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for expenses for things like hospital visits, nursing services, dental work, EMT expenses and surgery. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision protection

Collision coverage will pay to fix damage to your G6 resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, colliding with a tree, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for liability

Liability coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like court costs, repair costs for stationary objects, structural damage, loss of income and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Pontiac G6.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

In the end, you save

When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced collision coverage and learned later they didn’t purchase enough coverage. The aim is to purchase plenty of coverage at the best price, not the least amount of coverage.

A few companies may not have online quoting small, regional companies work with independent insurance agents. Lower-priced insurance coverage can be bought both online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money.

Consumers switch companies for a number of reasons such as denial of a claim, being labeled a high risk driver, delays in responding to claim requests or even extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new company is pretty simple and you could end up saving a buck or two.

Additional insurance coverage information is available below: