2009 Pontiac G5 Insurance Cost – 7 Tips for Cheapest Prices

Searching for better insurance rates? Consumers have lots of choices when looking for the lowest priced Pontiac G5 insurance. You can either spend your time calling around trying to get quotes or save time using the internet to make rate comparisons. There are both good and bad ways to buy insurance so you’re going to learn the proper way to get price quotes for a new or used Pontiac and locate the lowest possible price either online or from local insurance agents.

It’s a good idea to do price comparisons periodically because insurance prices fluctuate regularly. Just because you found the best quotes for G5 insurance six months ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because we’re going to show you the best way to save money, get proper coverage and the best rates.

Buying car insurance is not rocket science. If you currently have a car insurance policy, you should be able to lower your premiums substantially using these methods. Drivers just need to learn how to shop their coverage around online.

Free insurance coverage price quotes

There are several ways to compare insurance coverage quotes, but there is one way that is less time-consuming than others. You could waste a few hours talking about coverages with local insurance agents in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Most car insurance companies belong to an insurance system that enables customers to send in one quote, and at least one company can give them a price based on that information. This system prevents you from having to do repetitive form submissions to each company.

To submit your quote information now, click here to open in new window.

The one downside to doing it this way is you are unable to specify which providers to receive prices from. So if you prefer to pick from a list of companies to compare prices, we have a listing of insurance coverage companies in your area. Click to view list.

Whichever method you choose, ensure you are comparing exactly the same coverages and limits on every price quote you get. If you use different deductibles then you won’t be able to make a fair rate comparison.

Discounts can really help to save

Companies offering auto insurance don’t always publicize every discount they offer very clearly, so the list below details a few of the more common and the more hidden credits available to you.

• Anti-lock Brake Discount – Vehicles that have anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
• Data Collection Discounts – Drivers who elect to allow their insurance company to look at when and where they use their vehicle by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates as long as they are good drivers.
• Military Rewards – Being on active duty in the military can result in better premium rates.
• Distant Student – who live away from home to go to college and leave their car at home may qualify for this discount.
• Senior Citizen Discount – If you’re over the age of 55, you may be able to get a small decrease in premiums for G5 insurance.
• Early Switch Discount – Some larger companies reward drivers for renewing your policy before your current coverage expires. It’s a savings of about 10%.
• More Vehicles More Savings – Drivers who insure several vehicles with the same car insurance company may reduce the rate for each vehicle.

Policy discounts save money, but some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way. Any amount of discount should definitely cut your policy premium.

A few companies that may offer policyholders some of the discounts shown above may include but are not limited to:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

If you want the cheapest auto insurance quotes, ask each insurance company which discounts you qualify for. Savings might not be available to policyholders in your area. To see a list of car insurance companies that offer some of these discounts, click here to view.

Will just any policy work for me?

When choosing the best car insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining whether or not you might need an agent’s assistance.

• Am I covered when driving a rental car?
• When would I need additional glass coverage?
• How can I force my company to pay a claim?
• Do all my vehicles need collision coverage?
• Am I covered if I wreck a rental car?
• Do I need special endorsements for business use of my vehicle?
• Does my personal policy cover me when driving out-of-state?
• How much can I save by bundling my policies?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Auto insurance coverages 101

Knowing the specifics of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Pontiac G5.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Liability insurance

This protects you from damage or injury you incur to other people or property. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like court costs, attorney fees and legal defense fees. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Collision coverage protection

This coverage will pay to fix damage to your G5 resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as driving through your garage door, backing into a parked car, sustaining damage from a pot hole and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills like dental work, surgery, hospital visits and EMT expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, a tree branch falling on your vehicle, fire damage, hitting a deer and vandalism. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.