2009 Pontiac G3 Insurance Cost – 7 Ways to Save

Searching for lower insurance coverage rates for your Pontiac G3? Have you fallen victim to high-priced insurance coverage? Trust us when we tell you there are lots of people in the same boat.

Online insurance companies like State Farm, GEICO and Farmers Insurance constantly bombard you with TV and radio ads and it is difficult to see past the geckos and flying pigs and find the best price available.

It’s a good idea to get comparison quotes quite often since insurance rates are constantly changing. If you had the best rates on G3 coverage on your last policy a different company probably has better rates today. Forget all the misinformation about insurance coverage because you’re about to find out the fastest and easiest way to find great coverage at a great price.

If you are paying for car insurance now, you should be able to save some money using these methods. Finding the best rates is not that difficult. Although vehicle owners should learn the way companies price insurance differently and take advantage of how the system works.

Automobile Insurance Quotes

Comparing car insurance rates is a ton of work if you don’t know the best way to get rate quotes. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you can stay home and use the web to quickly compare rates.

Many of the larger companies participate in a marketplace that enables customers to complete one form, and every company returns a competitive quote based on that information. This saves time by eliminating quotation requests to each individual car insurance company.

To compare 2009 Pontiac G3 rates now click here to open in new window.

The only drawback to getting quotes like this is you are unable to specify the companies you will receive quotes from. If you would rather choose from a list of companies to compare rates, we have a listing of car insurance companies in your area. Click to view list.

Whichever method you choose, make darn sure you compare the exact same quote information on every quote you get. If the quotes have mixed coverages then you won’t be able to determine which rate is truly the best. Quoting even small variations in coverage limits may result in large price differences. And when quoting car insurance, remember that getting more free quotes provides better odds of finding better pricing.

Discounts are basically free money

Car insurance can cost a lot, but discounts can save money and there are some available that can drop the cost substantially. A few discounts will automatically apply at quote time, but a few need to be specially asked for in order for you to get them.

  • Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Clubs and Organizations – Participating in a civic or occupational organization may earn a discount when shopping for insurance on G3 coverage.
  • Own a Home – Simply owning a home may trigger a insurance policy discount because owning a home requires personal responsibility.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy before your current policy expires. The savings is around 10%.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you could get a discount of up to 20% off your total premium.

It’s important to understand that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, it just doesn’t work that way. Any qualifying discounts will cut your premiums.

A partial list of companies that may have these money-saving discounts include:

Before buying, ask each company how you can save money. Savings might not apply in your area.

Which insurance is the “right” coverage?

When choosing adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. These are some specific questions may help highlight if you might need an agent’s assistance.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my babysitter covered when using my vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • When should I remove comp and collision on my 2009 Pontiac G3?
  • Can I afford to pay high deductible claims out of pocket?
  • Does my 2009 Pontiac G3 qualify for pleasure use?
  • Am I covered if hit by an uninsured driver?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Car insurance coverage basics

Having a good grasp of your car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most car insurance policies.

Auto liability – This can cover injuries or damage you cause to other people or property that is your fault. 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 stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as funeral expenses, pain and suffering, legal defense fees and attorney fees. How much coverage you buy is a personal decision, but buy higher limits if possible.

Comprehensive insurance – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, a broken windshield, a tree branch falling on your vehicle and theft. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for immediate expenses for things like dental work, pain medications, prosthetic devices and EMT expenses. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Pontiac G3.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision coverage – Collision coverage will pay to fix damage to your G3 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Smart consumers save more

Cheaper 2009 Pontiac G3 insurance is attainable both online in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance coverage companies do not provide online price quotes and these small, regional companies work with independent agents.

In this article, we covered some good ideas how you can save on insurance. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. You may even discover the lowest rates come from a company that doesn’t do a lot of advertising. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Progressive and GEICO.

Much more information about insurance coverage is located on the following sites: