No one in their right mind likes buying insurance, particularly when they could find lower prices if they just compared rates. People have many car insurance companies to buy insurance from, and although it’s nice to have a selection, so many choices can make it hard to get the best deal.
It’s a good idea to check insurance prices yearly because insurance prices fluctuate regularly. Just because you had the best deal for G8 coverage a few years ago a different company probably has better rates today. Forget anything you know (or think you know) about insurance because you’re going to get a crash course in the best methods to remove unneeded coverages and save money.
Some providers do not list every policy discount in a way that’s easy to find, so we break down some of the best known and the harder-to-find discounts you could be receiving when you buy car insurance online.
You can save money using discounts, but most credits do not apply the the whole policy. Most only reduce specific coverage prices like comp or med pay. Even though it appears it’s possible to get free car insurance, auto insurance companies aren’t that generous. But all discounts will bring down the premium cost.
For a list of auto insurance companies that can offer you the previously mentioned discounts, click here to view.
When it comes to buying adequate coverage, there is no single plan that fits everyone. Everyone’s needs are different so this has to be addressed. For instance, these questions can aid in determining if your situation could use an agent’s help.
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.
Having a good grasp of a auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average auto insurance policy.
Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things like fire damage, damage from flooding, hitting a deer and falling objects. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like prosthetic devices, funeral costs, rehabilitation expenses, dental work and pain medications. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Pontiac G8.
Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.
Liability car insurance – Liability coverage can cover damage that occurs to other’s property or people. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage pays for things like bail bonds, attorney fees, loss of income and pain and suffering. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.
Collision coverage – This coverage pays for damage to your G8 resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as colliding with a tree, crashing into a ditch, rolling your car, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.
Cheaper 2009 Pontiac G8 insurance can be found online as well as from independent agents, so you need to shop car insurance with both in order to have the best price selection to choose from. Some insurance providers may not offer online quoting and many times these regional carriers sell through independent agents.
As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. There are too many instances where consumers will sacrifice liability limits or collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at the best price.