Insure your Pontiac 6000 for Much Less than you Think
If searching for lower car insurance rates was a good time, we'd have no problem finding the best rate. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. Finding affordable insurance for your Pontiac 6000 is probably the same story.
Step One: Compare Rates from Multiple Companies
If you haven't shopped for car insurance for awhile you might remember the days when the only option was to visit a local insurance agent. But you can now comparison shop and buy direct online!
Comparing apples-to-apples price quotes for your Pontiac 6000 is made easy by only requiring one form to be completed. This will shop your coverage with multiple companies and allow you to easily compare rates.
Simply click the link below to start a quote that will compare rates from many companies and you may find a lower rate than you're currently paying.
Quote Tip! When doing car insurance quotes for your Pontiac 6000, make sure you use the exact same values for coverages and deductibles. If you use different limits, you will not be able to fairly compare rates between different companies.
Step Two: How to Insure your 6000 for Less
What you actually pay to insure your Pontiac is determined by many factors, some of which you have no control over.
- Comprehensive and collision coverages make up the majority of your car insurance bill. If you raise your deductibles, you can will see significant savings with every policy renewal.
- If you're not sure what your credit rating is, check it now. Car insurance companies use your credit score to determine the rates you pay, so the better your credit, the less you will pay.
- The easiest way to INCREASE your car insurance rates is to add a teenage driver to your policy. There aren't many ways to prevent a rate increase, but if you can rate them on an older vehicle, it can help.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- A lead foot will result in higher insurance rates. Slow down, don't get tickets and you'll pay less.
- Allowing your insurance to lapse for any length of time will increase the cost of a new policy. Always keep coverage in force.
- The less chance of injury to passengers in an accident means lower insurance rates. Vehicles with safety features like side-impact airbags, head injury protection, antilock bracks and traction control generally will be cheaper to insure.
- If you own a home, you may get a break on your car insurance. Home ownership demonstrates financial responsibility.
- A claim-free discount can help keep your rates down, so don't file claims that are only marginally more than your deductible. You're better off keeping the discount.
- If you are a senior citizen or belong to a particular professional organization, you may qualify for a break on insurance.
- Thieves tend to steal certain makes and models of vehicles more than others, and if your car is on that list, expect to pay higher insurance rates because of it.
Step Three: Finalize your Car Insurance Policy
Once you have compared identical rate quotes for your Pontiac 6000 and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
An important thing to keep in mind when buying a new policy is you want the effective date of the new policy to be the exact same as the date you are cancelling your old policy.
Before you drive your Pontiac 6000 home, make sure you have a current car insurance policy in force. Coverage will extend to the new purchase from your policy, but if you don't have a policy then you have no protection. Coverage that extends from an existing policy is only as good as your current coverage. So if you don't carry full coverage on any vehicles, you won't have it on your new Pontiac 6000.
Once you finish buying your new policy, you will need to print out the proof-of-insurance card that is provided by your new company. This card is proof that you meet the state's minimum liability limits and is required to be kept in your vehicle. If you have received a DUI, reckless driving citation or caused an accident without insurance, you may be required to file an SR-22 with your state DMV. Make sure your new company is aware of the SR-22 filing requirement.
More Resources
To find out more information such as auto insurance myths, rental car insurance and how to file a claim, visit the Insurance Information Institute website.
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