How Much Does 2008 Pontiac G5 Insurance Cost?

Tired of being strong-armed to insure your Pontiac every month? You are no different than many other drivers.

Lots of insurance companies contend for your insurance dollar, so it can be very hard to choose a provider to find the absolute best price available.

If you are paying for car insurance now, you should be able to save some money using these tips. Finding the best rates is not that difficult. But consumers need to learn how companies sell online because it can help you find the best coverage.

How to Lower Your Insurance Coverage Cost

Shopping for lower insurance coverage rates can be challenging if you don’t understand the easiest way. You can waste a lot of time talking about coverages with agents in your area, or you could use online quotes to maximize your effort.

Most car insurance companies enroll in a system that enables customers to submit their information once, and each company returns a rated price based on that data. This prevents consumers from doing form submissions to each company.

To compare pricing click here to open in new window.

The only downside to using this type of system is buyers cannot specifically choose which companies you want to price. If you wish to select from a list of companies to compare prices, we have a listing of insurance coverage companies in your area. Click here to view list.

Which method you use is up to you, but make absolute certain that you use apples-to-apples coverage limits with each company. If you have different limits and deductibles on each one you can’t possibly truly determine the lowest rate. Quoting even small variations in coverage limits may result in a large different in cost. And when price shopping your coverage, comparing more company’s prices gives you a better chance of getting a better price.

Don’t miss these discounts

Insuring your fleet can be pricey, but there could be available discounts to help offset the cost. Some trigger automatically when you get a quote, but some may not be applied and must be specially asked for prior to getting the savings.

Life Insurance Discount – Some companies give a discount if you purchase life insurance from them.
Driver Safety – Taking part in a defensive driving course could cut 5% off your bill if you qualify.
Early Signing – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. This can save 10% or more.
Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for G5 coverage than their less cautious counterparts.
Military Rewards – Being on active duty in the military can result in better rates.
Good Student Discount – This discount can get you a discount of up to 25%. This discount can apply up to age 25.
55 and Retired – Mature drivers may qualify for better insurance coverage rates for G5 coverage.

Keep in mind that some of the credits will not apply the the whole policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, companies don’t profit that way. But all discounts will bring down your premiums.

Insurance companies who might offer these money-saving discounts are:

Check with each company which discounts you may be entitled to. Some discounts may not apply in your state.

When might I need help?

When it comes to buying the best insurance coverage coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that may help highlight if your insurance needs could use an agent’s help.

Can I pay claims out-of-pocket if I buy high deductibles?
Do I need roadside assistance coverage?
Is my 2008 Pontiac G5 covered for smoke damage?
Am I covered when delivering products for my home-based business?
If my pet gets injured in an accident are they covered?
What is covered by UM/UIM coverage?
Am I covered when driving a rental car?
Does coverage extend to Mexico or Canada?
Should I rate my 2008 Pontiac G5 as pleasure use or commute?
What is no-fault insurance?

If you’re not sure about those questions, you may need to chat with 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.

The coverage is in the details

Having a good grasp of auto insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types found on most auto insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Pontiac G5.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages are set the same as your liablity limits.

Liability insurance

Liability insurance will cover damage that occurs to other people or property in an accident. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like court costs, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance

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

Comprehensive can pay for claims such as hitting a deer, hitting a bird, vandalism and damage from a tornado or hurricane. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like nursing services, rehabilitation expenses, pain medications and prosthetic devices. They are used in conjunction with a health insurance program or if you do not have health coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This coverage covers damage to your G5 resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, backing into a parked car, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.