Cheaper 2009 Pontiac G3 Insurance Quotes

Looking for the cheapest insurance coverage rates for your Pontiac G3? Cutting costs on insurance coverage can be difficult for consumers new to comparison shopping online. Drivers have so many options that it can be more work than you anticipated to locate the lowest price.

The quickest method to compare policy rates is to take advantage of the fact all the major auto insurance companies will pay a fee to provide you with free rate quotes. All you need to do is provide a little information including the make and model of your vehicles, what you do for a living, the ages of drivers, and whether you are single or married. Your details is instantly submitted to multiple companies and you will receive price estimates very quickly.

Save money by taking advantage of these discounts

Companies don’t always list all their discounts in a way that’s easy to find, so here is a list some of the more common and the harder-to-find discounts you could be receiving.

  • Auto/Life Discount – Some companies give a break if you buy life insurance.
  • Good Student – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Organization Discounts – Being a member of certain professional organizations may earn a discount when shopping for car insurance on G3 insurance.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Discount for Swiching Early – Select companies give a discount for switching policies before your current expiration date. The savings is around 10%.
  • 55 and Retired – If you’re over the age of 55, you can possibly qualify for better car insurance rates on G3 insurance.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. Just because you may think all those discounts means the company will pay you, you’re out of luck.

Companies that possibly offer these benefits are:

Check with all companies you are considering which discounts they offer. Discounts may not apply in your state.

When should I use an insurance agent?

When choosing coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out whether your personal situation could use an agent’s help.

  • How can I force my company to pay a claim?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered when delivering products for my home-based business?
  • Am I covered if I crash into my own garage door?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can my babysitter drive my car?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, simply complete this short form.

Learn about car insurance coverages for a Pontiac G3

Having a good grasp of your car insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Auto liability insurance

This will cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as legal defense fees, medical services, medical expenses, loss of income and repair costs for stationary objects. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Collision insurance

Collision insurance pays for damage to your G3 caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, hitting a mailbox and rolling your car. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like ambulance fees, nursing services and dental work. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix 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 coverage pays for claims like damage from flooding, hitting a bird, a tree branch falling on your vehicle and hail damage. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.