Tightwads Guide to Insuring a Pontiac G3 Wave
If buying auto insurance was as easy as it sounds on TV commercials, we'd have no problem getting the lowest rates. But we always seem to pay too much for coverage and most people would rather go to the dentist. Finding affordable insurance for your Pontiac G3 Wave is probably the same story.
Step One: Compare Multiple Rate Quotes
In years past, the only way to purchase car insurance was to visit the office of a local agent. But you can now comparison shop and buy direct online!
All the major car insurance companies sell insurance for a Pontiac G3 Wave and you can compare their rates by entering your information only one time.
To find affordable coverage for your Pontiac G3 Wave, the first step is to click the link below and complete the short form.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your G3 Wave.
Step Two: Techniques to Lower your G3 Wave Insurance Rates
If you have completed step one above (if not, please complete that step first), then you are now ready to learn some ways to insure your G3 Wave that will also lower the rate you pay irregardless of which company you choose.
- 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.
- How's your credit score? If it's good you will pay a lower rate than your poor credit counterparts. Work on improving weak credit and you will eventually see your car insurance bill go down.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- Having recently completed a class in driver's safety could earn you a discount of 5% to 10%. Check with your insurance company to see if they offer that credit.
- 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.
- Bundling your auto and home insurance with the same company can often get you a discount, and just being a homeowner in itself will get you a lower rate.
- Smaller claims that hardly exceed your deductible are better off not being filed with your insurance company. Policyholders with no claims enjoy lower rates than those who frequently file claims.
- Car insurance disounts for senior citizens are often offered by companies as well as discounts for belonging to a professional organization.
- Particular years and models of cars tend to be frequently stolen, and if your G3 Wave is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
Step Three: Finalize your Car Insurance Policy
Car insurance is pretty easy to buy online, but you do need to be aware that it is a legally binding contract. You need to have funds available for a down payment as well as review your coverages for any insufficiencies.
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 G3 Wave 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. If you have a current policy and you only carry liability coverage, then that's the only coverage that will automatically extend to your G3 Wave. But if you currently carry full coverage, comprehensive and collision coverage will extend to your new vehicle.
After completing your policy purchase, you can print out the proof-of-insurance card to place in your car. Always keep the current card available in case requested by law enforcement or if you are in an accident. If your state requires you to file an SR-22 for being a high-risk driver, make sure your new company is aware of this requirement. Failure to comply can result in loss of your driver's license.
More Insurance Buying Tips
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.
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