Step-by-step Guide to Cheaper Pontiac G6 Insurance
If buying car insurance was fun, we'd do it as a recreational sport. But the premiums we pay always seem to be too high and most of use would rather get a tooth pulled. Insuring your Pontiac G6 is probably no exception.
Step One: Insurance Quotes
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. Welcome to the NEW way to buy car insurance!
Comparing insurance rates for a Pontiac G6 only require you to enter your information once. You'll receive multiple quotes and can easily compare rates.
Start a free rate quote comparison now by clicking the link below. Once you complete the short form, you'll be able to compare rates and then move on to our next section on how to lower rates even further.
Insurance Quoting Tip! The only way to accurately compare rates bewteen different companies for your G6 is to use identical coverage limits on all the quotes. If you use different liability limits and/or deductibles, you won't have an apples-to-apples rate comparison.
Step Two: Tried and True Ways to Save on G6 Insurance
Once you have quotes in hand, you can then consider some of the other techniques for lowering your G6 insurance rates.
- 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 you're willing to shoulder more of the cost at claim time, consider raising your comprehensive and collision deductibles. This can easily cut 30% or more from your policy premium.
- If you have tended to file small claims with your car insurance company in the past, you're most likely going to pay higher premiums in the future. Consider paying minor claims out-of-pocket instead of blemishing your claim history.
- Car insurance disounts for senior citizens are often offered by companies as well as discounts for belonging to a professional organization.
- If you have a speeding ticket or other moving violation, you could be charged more for insurance. If you get a ticket, find out if your county or state offers a defensive driving course that will void the ticket upon completion.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- When buying a new policy, you do not want a gap in coverage. This lapse is viewed by insurance companies as a high risk, and you will pay more for your next policy.
- Most Pontiac vehicles come with standard safety features such as air bags and passive restraints, and those will help keep your insurance costs down.
- Auto theft is a big problem that costs us all money, but if your car is on the list of the most frequently stolen autos, you might be paying a little extra because of the temptation to thieves.
- Car insurance rates for a teen driver on a Pontiac G6 will be expensive no matter what kind of coverage you have. But if you don't need comprehensive and collision, consider dropping those to save money.
- Being a homeowner can often get you a little discount on your auto insurance. Insuring you home with the same company as your autos can often get you even deeper discounts.
Step Three: Choose a Company and Bind Coverage
Knowing which company to insure your G6 with is more than just choosing the lowest rate. You also need to be ready to put a down payment on your policy and make sure you have all the proper coverages in place.
The key thing to keep in mind when buying a new policy is you do not want your old policy to lapse. Make sure the effective date of the new policy is on or before the expiration date of your current policy.
If the Pontiac G6 is a new purchase and you haven't had car insurance before, make sure you have coverage in place before driving off the lot. If you have other vehicles already covered, then you will have coverage for the new vehicle. 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 G6.
All states require you to keep the proof-of-insurance or financial responsibility card in your vehicle at all times. Failure to produce this document can result in a citation. 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
For more detailed car insurance topics, visit the Insurance Information Institute.
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