2009 Pontiac G3 Insurance Quotes – 6 Ways to Save

Being forced to pay for pricey insurance premiums can overdraw your accounts and force you to cut corners elsewhere. Comparing price quotes is an excellent way to ensure you are getting the best deal.

Due to the increasing number of companies to choose from, it’s difficult to locate a lower cost insurance company.

Cheap car insurance quotes online

Most companies such as State Farm, Geico and Progressive allow consumers to get coverage price quotes directly from their websites. Comparing rates online doesn’t take much effort because it’s just a matter of typing in your coverage preferences as requested by the quote form. Once entered, the quote system gets your driving and credit reports and returns pricing information based on these and other factors. This makes it simple to compare prices but having to visit a lot of sites and enter the same data into a form gets old quite quickly. But it’s very important to do this if you want to find the best price possible.

Keep reading for an easier way to compare prices

A quicker way to locate the lowest prices is to use a quote form that analyzes rates from more than one company. This type of form saves time, requires much less work on your part, and makes online quotes a little more enjoyable. Once the form is submitted, it is rated and you can select any or none of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. This process can be completed in a matter of minutes and you’ll know if lower rates are available.

If you want to compare rates using this form now, click here and fill out the form. To compare your current rates, we recommend you input identical to your current policy. This guarantees you will receive rate quotes for similar insurance coverage.

Insurance companies offer many types of discounts

Insurance is not cheap nor is it fun to buy but there could be significant discounts to reduce the price significantly. Certain discounts will be applied when you purchase, but some may not be applied and must be asked for prior to getting the savings. If you do not double check each discount you qualify for, you are just wasting money.

• Multi-policy Discount – If you have multiple policies and place coverage with the same company you could save 10% to 20% off each policy.
• Save with More Vehicles Insured – Insuring multiple cars on one policy can get a discount for every vehicle.
• Discounts for Safe Drivers – Accident-free drivers may save up to 50% more for G3 insurance as compared to drivers with claims.
• Discounts for Seat Belt Usage – Drivers who require all occupants to buckle up can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• Fewer Miles Equal More Savings – Driving fewer miles can qualify you for lower prices on the low mileage vehicles.
• ABS Brakes – Cars equipped with ABS or steering control prevent accidents and earn discounts up to 10%.

A little note about advertised discounts, most credits do not apply the the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, companies wouldn’t make money that way. Any amount of discount will lower the cost of coverage.

Companies and a selection of discounts include:

• Geico policyholders can earn discounts including seat belt use, anti-lock brakes, five-year accident-free, good student, driver training, and multi-vehicle.
• Auto-Owners Insurance may offer discounts for company car, good student, anti-theft, paid in full, and air bags.
• American Family has discounts for Steer into Savings, air bags, bundled insurance, defensive driver, and multi-vehicle.
• Esurance includes discounts for good student, emergency road assistance, renters, defensive driver, and Switch & Save.
• Progressive offers premium reductions for online signing, homeowner, multi-vehicle, multi-policy, continuous coverage, and online quote discount.
• State Farm may include discounts for anti-theft, good student, driver’s education, Drive Safe & Save, defensive driving training, and accident-free.
• AAA offers discounts including AAA membership discount, good student, good driver, multi-policy, and anti-theft.

If you need affordable auto insurance quotes, ask each company the best way to save money. Some discounts may not apply to policies in every state. If you would like to see a list of insurance companies who offer insurance discounts, click here.

Do I just need basic coverages?

When buying proper insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that might point out whether your personal situation would benefit from an agent’s advice.

• Do I really need UM/UIM coverage?
• Should I rate my 2009 Pontiac G3 as pleasure use or commute?
• What happens if I owe more than my 2009 Pontiac G3 is worth?
• Does liability extend to a camper or trailer?
• Do I pay less if my vehicle is kept in my garage?
• Is a fancy paint job covered?
• Should I drop comprehensive coverage on older vehicles?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverage basics

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by car insurance companies.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like prosthetic devices, EMT expenses, pain medications and nursing services. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Auto liability – Liability coverage protects you from damage that occurs to other’s property or people by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like structural damage, loss of income, funeral expenses and attorney fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your 2009 Pontiac G3.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, falling objects and hitting a bird. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage – This covers damage to your G3 resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sustaining damage from a pot hole, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

A tidy conclusion

There are still a few companies who may not offer rate quotes online and these regional carriers prefer to sell through independent agencies. Budget-friendly car insurance is attainable from both online companies in addition to local insurance agencies, so you should be comparing quotes from both to have the best chance of lowering rates.

We’ve covered a lot of ways to reduce 2009 Pontiac G3 insurance rates online. The key thing to remember is the more price quotes you have, the higher your chance of finding the cheapest auto insurance. Consumers could even find that the best rates are with a company that doesn’t do a lot of advertising. These companies often have lower auto insurance rates on specific markets than their larger competitors like Allstate, Geico and Progressive.

Helpful information

• Smart Auto Insurance Tips (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Get the Right Protection (InsureUonline.org)
• Child Safety Seats (Insurance Information Insitute)
• Airbag FAQ (iihs.org)
• How do I File a Claim? (Insurance Information Insitute)