2007 Pontiac G6 Car Insurance Cost – 5 Ways to Save

Sick and tired of sacrificing to pay high auto insurance rates every month? Your situation is no different than most other people. Companies like State Farm, Progressive and GEICO all promote huge savings with ads and it is challenging if not impossible to not get sucked in by the cute commercials and do the work needed to find the best deal.

It is always a good idea to price shop coverage yearly since insurance prices change quite often. Just because you had the lowest quotes for G6 coverage a few years ago there may be better deals available now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the only way to find better coverage at a better price.

If you have a current insurance policy or need a new policy, you can use these techniques to get lower rates while maintaining coverages. Buying car insurance is quite easy. Drivers only need an understanding of the most efficient way to compare prices on the web.

How to get the cheapest insurance

There are a variety of methods you can shop for insurance but there is one way that is less time-consuming than others. You can waste a lot of time talking about coverages with agents in your area, or you could use online quotes to get pricing more quickly.

Most of the best insurance companies participate in a marketplace that enables customers to send in one quote, and each participating company can provide price quotes for coverage. This system prevents you from having to do form submissions to every company.

To find out what other companies charge click here to open in new window.

The only drawback to pricing coverage this way is you are unable to specify the insurers to get quotes from. So if you prefer to choose from a list of companies to compare prices, we have a page of companies who write insurance in your area. Click to view list.

Whichever way you use, try to use nearly identical quote data on every quote you get. If each company quotes mixed coverages it’s impossible to get a fair rate comparison.

Take advantage of with these five discounts

Some companies don’t list every available discount in a way that’s easy to find, so the list below details both well-publicized and the harder-to-find discounts that you can inquire about if you buy insurance online. If you do not double check each discount you qualify for, it’s possible you qualify for a lower rate.

  • Own a Home and Save – Simply owning a home can save a few bucks because it demonstrates responsibility.
  • Auto/Life Discount – Select companies reward you with a small discount if you purchase life insurance.
  • New Vehicle Savings – Putting insurance on a new car may earn a small discount since newer models are generally safer.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Early Renewal Discounts – Select insurance companies give a discount for switching policies prior to the expiration date on your current policy. It could save around 10% when you buy insurance online.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, you’re out of luck.

Some companies that may include these discounts include:

Before buying, ask every company the best way to save money. Some of the earlier mentioned discounts might not be available to policyholders everywhere. To choose providers who offer auto insurance discounts, follow this link.

Your situation helps dictate your coverage

When it comes to choosing coverage, there really is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions might point out if you will benefit from professional help.

  • Does insurance cover tools stolen from my truck?
  • When should I not file a claim?
  • Should I have combined single limit or split liability limits?
  • What happens if I owe more than my 2007 Pontiac G6 is worth?
  • Do I really need UM/UIM coverage?
  • When should I remove comp and collision on my 2007 Pontiac G6?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Insurance coverage considerations

Understanding the coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average insurance policy.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Liability – This can cover damage or injury you incur to other people or property in an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as loss of income, medical services and bail bonds. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for immediate expenses like chiropractic care, dental work, hospital visits and prosthetic devices. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a ditch, driving through your garage door, hitting a parking meter, backing into a parked car and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive insurance – This 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 coverage protects against things like hail damage, falling objects, vandalism, hitting a deer and hitting a bird. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Shop. Compare. Save.

When you buy insurance online, make sure you don’t skimp on coverage in order to save money. There are too many instances where drivers have reduced full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

We’ve covered many tips how you can save on 2007 Pontiac G6 insurance. It’s most important to understand that the more you quote insurance, the better likelihood of getting affordable insurance. Consumers may even find the lowest auto insurance rates come from a company that doesn’t do a lot of advertising. Regional companies often have lower premium rates on specific markets as compared to the big name companies such as State Farm, GEICO and Nationwide.

Even more information is located by following these links: