2008 Pontiac G8 Insurance Quotes – 9 Ways to Save

Trying to find the cheapest auto insurance rates for your Pontiac G8? Searching for the cheapest insurance for a Pontiac G8 could be difficult, but you can learn the following methods and make it easy. There are more efficient ways to buy auto insurance so we’re going to tell you the proper way to price shop coverage on a Pontiac and get the best price possible from both online companies and local agents.

Do you qualify for these nine discounts?

Car insurance companies don’t list every available discount very well, so the below list has a few of the more common as well as the least known credits that you can use to lower your rates.

  • Multi-car Discount – Purchasing coverage when you have several vehicles with the same insurance coverage company can reduce the rates for all insured vehicles.
  • Sign Early and Save – A few insurance companies allow discounts for switching companies early. You could save around 10% when you buy car insurance online.
  • Bundled Policy Discount – If you insure your home and vehicles with the same company you may earn as much as 10 to 15 percent.
  • No Accidents – Drivers who don’t have accidents have much lower rates in comparison to drivers with a long claim history.
  • Passive Restraint Discount – Factory air bags or automatic seat belts could see savings of more than 20%.
  • New Vehicle Savings – Putting insurance on a new car can save up to 30% since new vehicles are generally safer.
  • Cautious Driver Discounts – Drivers who don’t get into accidents can save up to 40% or more on their car insurance quote for G8 coverage than drivers with accident claims.
  • Senior Citizens – Seniors are able to get reduced rates for G8 coverage.
  • Discount for Home Ownership – Owning your own home or condo can get you a discount because owning a home requires personal responsibility.

It’s important to note that most of the big mark downs will not be given the the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way.

To find insurers that offer many of these discounts, click here to view.

Buy insurance coverage online

Cutting your insurance coverage rates is pretty simple and can save money. All you need to do is invest a little time comparing rates to find. It’s super easy and can be done by following the guidelines below.

If you don’t have a lot of time, the easiest way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This style of form saves time by eliminating boring form submissions for each company. One form gets you price quotes from all major companies. This is perfect if you don’t have a lot of time.

A harder way to analyze rates requires visiting each company’s website and get a separate price quote. For example, we’ll assume you want to compare prices for State Farm, Esurance and Travelers. To get each rate you have to navigate to each company’s site and repeatedly enter your information, which explains why we recommend starting with the first method.

For a handy list of car insurance company links in your area, click here.

If you have time to kill, the last method to compare price quotes is to drive around to different agent offices. Shopping for insurance coverage online makes this process obsolete unless you have a need for the peace of mind that you can only get from talking to an agent. It is possible with some companies compare the best prices online and still use a local agent.

Whichever way you choose to compare rates, make absolute certain that you use identical coverage limits and deductibles for every quote you compare. If you compare differing limits it will be next to impossible to determine which rate is truly the best.

Don’t assume everyone needs the same car insurance coverage

When it comes to buying coverage for your personal vehicles, there is no best way to insure your cars. Each situation is unique.

For example, these questions can help discover if you will benefit from professional help.

  • How does medical payments coverage work?
  • Do I need medical payments coverage since I have good health insurance?
  • Should I sign the liability waiver when renting a car?
  • Is my custom paint covered by insurance?
  • Is my ex-spouse still covered by my policy?
  • Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Insurance coverage breakdown

Understanding the coverages of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Comprehensive auto coverage – This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, theft and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for immediate expenses such as hospital visits, EMT expenses and ambulance fees. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance – This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as loss of income, emergency aid and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from a collision 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 insurance covers things like backing into a parked car, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Buy online or local, you save

Throughout this article, we presented many ideas to shop for 2008 Pontiac G8 insurance online. The key concept to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the best price on insurance is with a small local company.

People who switch companies do it for many reasons like questionable increases in premium, high rates after DUI convictions, an unsatisfactory settlement offer or extreme rates for teen drivers. It doesn’t matter what your reason, finding a great new company is less work than it seems.

Cheaper 2008 Pontiac G8 insurance can be purchased on the web in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who may not offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

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