2009 Pontiac G8 Car Insurance Quotes – 10 Tips for Best Rates

Trying to find lower auto insurance rates for your Pontiac G8? Wish you could get out of an overpriced auto insurance policy? Trust us, you’re not the only one. Because you have many choices, it’s difficult to pick the cheapest auto insurance company.

Find hidden discounts on insurance

Car insurance can cost a lot, but there are discounts available that could drop your premiums quite a bit. Many of these discounts will be applied automatically when you get a quote, but occassionally some discounts must be specifically requested prior to getting the savings.

• Organization Discounts – Belonging to qualifying clubs or civic groups could qualify you for a break on insurance.
• Discounts for New Vehicles – Insuring a new car may earn a small discount because newer vehicles keep occupants safer.
• Theft Deterent System – Cars that have factory anti-theft systems can help prevent theft and that can save you a little bit as well.
• ABS Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions and qualify for as much as a 10% discount.
• Military Discounts – Being deployed with a military unit may qualify for rate reductions.
• Homeowners Discount – Just being a homeowner can save you money because of the fact that having a home shows financial diligence.
• Paperwork-free – A few larger online companies may give you up to $50 just for signing your application on the internet.
• Include Life Insurance and Save – Not all insurance carriers offer life insurance, but some may give you lower premium rates if you buy a life policy as well.
• Safety Course Discount – Successfully completing a defensive driving class could cut 5% off your bill if you qualify.
• Senior Discount – Older drivers may receive reduced rates on G8 coverage.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire cost. Most cut individual premiums such as liability and collision coverage. So despite the fact that it appears you could get a free insurance policy, company stockholders wouldn’t be very happy.

Companies that possibly offer some of the above discounts include:

• Progressive
• Geico
• State Farm
• Esurance
• The Hartford

Before you buy a policy, ask each company or agent which discounts you qualify for. Some discounts might not be offered in your area.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions can aid in determining whether you could use an agent’s help.

• Does my 2009 Pontiac G8 qualify for pleasure use?
• Should I have a commercial auto policy?
• Does my 2009 Pontiac G8 need full coverage?
• Do I need medical payments coverage since I have good health insurance?
• Does my personal policy cover me when driving out-of-state?
• Will my insurance pay for OEM parts?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Drivers who switch save $418 a year? Really?

Consumers can’t escape the ads for the lowest price insurance by State Farm, Allstate and Geico. All the ads seem to make the promise that you can save just by switching your coverage to them.

How is it possible that every company can charge you less for car insurance? This is how they do it.

Most companies have strict underwriting profiles for the type of customer that earns them the most money. For instance, this type of driver may be over the age of 50, owns a home, and drives a safe vehicle. A customer who matches those parameters receives the best rates and will also save quite a bit of money when switching.

Potential customers who don’t measure up to the ideal profile may be required to pay higher premiums which translates to business not being written. If you pay close attention to the ads, they say “drivers that switch” but not “all drivers who get quotes” save that much when switching. This is how companies can make the claims of big savings. Each company has different criteria, so drivers must compare as many free insurance quotes as you can. It is impossible to predict which insurance company will have the lowest rates.

Coverage specifics

Knowing the specifics of insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverages offered by insurance companies.

Collision coverage protection

Collision insurance will pay to fix damage to your G8 resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like rolling your car, crashing into a ditch, colliding with a tree, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Liability coverage

This provides protection from damage that occurs to a person or their property. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as pain and suffering, court costs, repair bills for other people’s vehicles, medical expenses and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Pontiac G8.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for expenses such as hospital visits, nursing services and prosthetic devices. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from getting keyed, fire damage and rock chips in glass. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Money doesn’t grow on trees

In this article, we covered quite a bit of information on how to compare 2009 Pontiac G8 insurance rates online. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest rates are with the least-expected company. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

When you buy insurance online, never buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced liability limits or collision coverage only to regret that it was a big error on their part. The ultimate goal is to get the best coverage possible at the best cost, but do not skimp to save money.

A few companies may not have internet price quotes and many times these regional carriers sell through local independent agencies. The cheapest 2009 Pontiac G8 insurance can be purchased online in addition to local insurance agencies, and you should compare rates from both to get a complete price analysis.

Much more information about auto insurance can be found below:

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)