Compare 2008 Pontiac G8 Insurance Rates

Looking for the cheapest auto insurance rates for your Pontiac G8? Sick and tired of sacrificing to pay auto insurance each month? You have the same problem as millions of other consumers. Due to the fact that there are so many companies to choose from, it’s nearly impossible to choose the right auto insurance company.

Finding affordable coverage is quite easy. If you are insured now or are just looking to switch companies, you can use these techniques to get lower rates and possibly find even better coverage. Vehicle owners just need to understand the proper methods to shop online.

How to compare free car insurance price quotes

Effectively comparing car insurance prices is a ton of work if you aren’t aware of the most efficient way to do it. You could waste time driving to insurance agencies in your area, or you can stay home and use the web to achieve your goal.

Most of the best insurance companies participate in a marketplace where prospective buyers submit one quote, and each participating company then returns a price quote for coverage. This saves time by eliminating form submissions for each company.

To participate in this free quote system, click here (opens in new window).

The one downside to comparing rates this way is you are unable to specify the companies you want to price. If you prefer to choose from a list of companies for rate comparison, we have a page of low cost car insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just compare identical coverage information with each company. If you compare different deductibles you can’t possibly truly determine the lowest rate.

Lower rates by qualifying for discounts

Companies that sell car insurance don’t always publicize every possible discount in an easy-to-find place, so below is a list some of the more common in addition to some of the lesser obvious credits available to you.

  • Multi-car Discount – Purchasing coverage when you have multiple vehicles on one policy can reduce rates for all insured vehicles.
  • Lower Rates for Military – Being on active duty in the military may lower your premium rates slightly.
  • New Car Discount – Buying a new car model can get you a discount because new vehicles are generally safer.
  • Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save up to 15% on the premium charged for medical payments and/or PIP.
  • Multiple Policy Discount – If you have multiple policies and insure them both with the same insurance company you may save at least 10 to 15 percent or more.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Pontiac could earn slightly better premium rates than normal.

Don’t be shocked that some credits don’t apply to your bottom line cost. The majority will only reduce individual premiums such as medical payments or collision. If you do the math and it seems like adding up those discounts means a free policy, it’s just not the way it works.

Larger car insurance companies and a summarized list of policyholder discounts are:

  • 21st Century has discounts for automatic seat belts, good student, student driver, teen driver, defensive driver, homeowners, and anti-lock brakes.
  • Progressive offers premium reductions for online signing, continuous coverage, online quote discount, multi-vehicle, multi-policy, and good student.
  • State Farm discounts include driver’s education, good student, Drive Safe & Save, defensive driving training, and multiple autos.
  • Nationwide may offer discounts for anti-theft, easy pay, good student, family plan, multi-policy, business or organization, and accident-free.
  • Esurance may include discounts for Switch & Save, good driver, defensive driver, paid-in-full, Pac-12 alumni, online quote, and DriveSense.
  • The Hartford offers discounts for good student, air bag, bundle, vehicle fuel type, and anti-theft.

If you need low cost insurance quotes, ask all the companies the best way to save money. Some of the earlier mentioned discounts may not be available in your area.

How your G8 insurance costs are determined

Many different elements are considered when you get a price on insurance. Some are obvious like a motor vehicle report, but some are more obscure such as your marital status and annual miles driven.

  • Don’t skimp on liability insurance – The liability coverage on your policy kicks in if you are responsible for personal injury or accident damage. It provides you with a defense in court up to the limits shown on your policy. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
  • Certain vocations pay higher insurance coverage rates – Occupations such as doctors, business owners and accountants have the highest average rates due to high stress levels and long work days. Other careers such as actors, athletes and performers get better rates for G8 insurance.
  • Rates are affected by your address – Having an address in smaller towns and rural areas of the country is a good thing when insuring your vehicles. Fewer drivers on the road corresponds to lower accident rates and lower theft and vandalism rates. Residents of big cities regularly have congested traffic and longer commutes to work. Longer commute distances can result in more accidents.
  • Guys are more aggressive – Over time, data shows that females tend to be a little less risky than males. It does not mean men are worse drivers. They both are responsible for accidents at a similar rate, but guys tend to have more serious accidents. Men also have more aggressive citations such as DWI and reckless driving.
  • Lower rates for vehicles with better crash test results – Safer cars get lower rates. Highly rated vehicles reduce injuries and reduced instances of injuries translates into savings for insurance companies which can result in lower premiums. If the Pontiac G8 has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
  • Put fewer miles on your vehicle – The higher the mileage driven annually the higher your rates will be. Many insurance companies calculate rates based upon how much you drive. Cars that sit idle most of the time qualify for better rates compared to those used for work or business. An incorrectly rated G8 is throwing money out the window. It’s always a good idea to double check that your vehicle rating is showing how each vehicle is driven.
  • High comp and collision deductibles save money – Coverage for physical damage, aka comp and collision, protects your Pontiac from damage. Examples of some claims that would be covered are running into the backend of another car, damage caused by hail, and windstorm damage. Your deductibles are the amount of money you are required to spend if a claim is determined to be covered. The more expense you have to pay, the less your company will charge you for insurance for G8 insurance.

Insurance is unique, just like you

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that may help you determine if your situation may require specific advice.

  • Do I have coverage when using my vehicle for my home business?
  • Am I insured when driving a different vehicle?
  • What is PIP insurance?
  • Should I buy more coverage than the required minimum liability coverage?
  • Should I have a commercial auto policy?
  • Am I covered if my car is in a flood?
  • Can I afford to buy a different vehicle if my 2008 Pontiac G8 is totaled?
  • Why am I required to get a high-risk car insurance policy?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I need higher collision deductibles?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Advertising myths

Consumers can’t get away from all the ads for cheaper insurance coverage by companies like State Farm and Allstate. All the ads make the point about saving some big amount if you change your policy.

How does every company have lower policy pricing? This is how they do it.

Insurance providers quote their cheapest rates for a prospective insured that will add to their bottom line. For instance, this type of risk profile might be described as over the age of 50, has few claims, and insures a new vehicle. Any person that matches those criteria receive the lowest rate quotes and therefore will save when switching.

Consumers who do not match the “perfect” profile will have to pay higher prices and this results in business going elsewhere. If you pay close attention to the ads, they say “people who switch” but not “everyone who gets a quote” can save as much as they claim. This is how companies can truthfully advertise the way they do. This illustrates why it’s extremely important to compare quotes as often as possible. It’s not possible to predict with any certainty which company will give you lower car insurance rates than your current company.

Specifics of your car insurance policy

Having a good grasp of your policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages available from car insurance companies.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for bills like surgery, funeral costs, prosthetic devices, pain medications and dental work. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability insurance – This provides protection from damage that occurs to people or other property that is your fault. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as funeral expenses, attorney fees and structural damage. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with another moving vehicle, damaging your car on a curb, colliding with a tree, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverages – This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like falling objects, a tree branch falling on your vehicle, a broken windshield and fire damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Smart shoppers get results

You just read a lot of techniques to compare 2008 Pontiac G8 insurance premium rates online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your prices. You may be surprised to find that the lowest premium rates are with a lesser-known regional company. These smaller insurers may only write in your state and offer lower prices than their larger competitors like State Farm, GEICO and Nationwide.

When getting insurance quotes online, do not buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced physical damage coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy a smart amount of coverage at the best possible price.

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