Searching for better insurance prices for a new or used Pontiac G6 in Arizona can be a lot of work, but you can use these tips to make it easier.
There is a better way to buy auto insurance so we’re going to tell you the quickest way to get price quotes for a Pontiac and locate the lowest possible price from Phoenix insurance agents and online providers.
It’s shocking but over 70% of consumers have stayed with the same insurance company for over three years, and practically 40% of auto insurance customers have never compared quotes from other companies. American insurance shoppers could cut their rates by approximately $859 a year, but most tend to underestimate the rate savings if they changed companies.
How to get free Pontiac G6 insurance quotes online
The providers in the list below are ready to provide quotes in Arizona. If multiple companies are listed, we suggest you visit as many as you can to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|G6 4-Dr Sedan||$144||$246||$300||$18||$90||$798||$67|
|Get Your Own Custom Quote Go|
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium costs do not factor in specific location information which can decrease or increase coverage prices greatly.
Auto insurance rates by gender and age
The chart below shows the difference between Pontiac G6 insurance costs for male and female drivers. The data assumes no accidents, no driving violations, comp and collision included, $1,000 deductibles, drivers are not married, and no discounts are applied.
Policy deductible comparison
The illustration below illustrates how your choice of deductibles and can increase or decrease Pontiac G6 insurance rates for different age groups. The premiums are based on a single male driver, full coverage, and no policy discounts are applied.
Don’t overlook these Pontiac G6 insurance discounts
Insuring your vehicles can cost a lot, but you might already qualify for some discounts that can drop the cost substantially. Most are applied when you purchase, but a few must be asked about before you get the savings. If you do not double check each discount possible, you are paying more than you should be.
- Paperwork-free – Some insurance companies will give you a small discount for buying your policy on the web.
- Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control prevent accidents so you can save 10 percent or more.
- No Claim Discounts – Phoenix drivers who stay claim-free can earn big discounts as compared to insureds who have frequent claims or accidents.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully take a driver’s education course in school.
- Service Members Pay Less – Being on active deployment in the military could mean lower auto insurance rates.
- Low Mileage Discounts – Maintaining low annual mileage could earn slightly better premium rates than normal.
- Professional Organizations – Being in a civic or occupational organization in Phoenix could earn you a nice discount on your bill.
- Student Discounts – Excelling in school may save as much as 25% on a Phoenix auto insurance quote. The discount lasts up to age 25.
- Senior Discount – Seniors may receive better auto insurance rates.
- Theft Prevention Discount – Cars and trucks with anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
One last thing about discounts, some of the credits will not apply to the entire cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. Even though it appears having all the discounts means you get insurance for free, you’re out of luck.
Some of the insurance companies that may have most of these discounts may include but are not limited to:
Check with every insurance company how many discounts you can get. A few discounts may not apply to policyholders in Phoenix. To see auto insurance companies that offer multiple discounts in Phoenix, click here to view.
Pontiac G6 Insurance Price Factors
Part of the car insurance buying process is learning the factors that help determine the price you pay for car insurance. When you know what positively or negatively controls the rates you pay, this allows you to make educated decisions that could help you find lower premium levels.
Incidental coverages that aren’t used – There are a ton of extra bells and whistles you can purchase when buying car insurance. Insurance for coverage for rental cars, death and dismemberment, and motor club memberships are probably not needed. They may seem like a good idea when talking to your agent, but if they’re wasting money eliminate them to save money.
With age comes responsibility – Older drivers have been proven to be more responsible, tend to cause fewer accidents, and are generally more financially stable.Young drivers have a tendency to be less responsible when driving and because of this, their car insurance rates are much higher.
Low credit history equals high costs – A driver’s credit score will be a significant factor in determining what you pay for car insurance. Therefore, if your credit rating can be improved, you could save money insuring your Pontiac G6 by repairing your credit. People that have very high credit ratings tend to file fewer claims as compared to drivers with lower ratings.
When should you file a insurance claims? – Companies in Arizona provide discounts to drivers who file claims infrequently. If you’re an insured who likes to file claims you can look forward to increased rates or even have your policy non-renewed. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
Low mileage costs less – The more you drive your Pontiac in a year’s time the higher the price you pay to insure it. A lot of companies apply a rate partially by how you use the vehicle. Autos left parked in the garage can be on a lower rate level compared to those used for work or business. It’s a smart idea to ensure your car insurance coverage properly reflects the right rating data, because it can save money. An incorrectly rated G6 is just wasting money.
Increase comp and collision deductibles and save – Your deductibles define the amount you are required to spend out-of-pocket before a claim is paid by your company. Protection for physical damage, also called ‘full coverage’, covers damage that occurs to your car. A few examples of covered claims are colliding with a stationary object, damage from fire, and having a roll-over accident. The more expense you have to pay, the less your car insurance will be.
See if your company offers a multi-policy discount – The majority of car insurance companies afford lower prices to buyers who consolidate policies with them. It’s known as a multi-policy discount. If you currently are using one company, drivers will still want to compare other company rates to guarantee you are still saving the most.
Local Phoenix insurance agencies
Certain consumers would prefer to sit down with an agent and doing that can be a smart decision Good insurance agents can make sure you are properly covered and will help you if you have claims. The best thing about comparing insurance prices online is the fact that drivers can get cheaper prices and still choose a local agent. Supporting neighborhood agents is still important in Phoenix.
After completing this quick form, the quote information is transmitted to agents in your area who will give competitive quotes for your business. There is no need to search for an agent because quoted prices will be sent to the email address you provide. If for some reason you want to quote rates from one company in particular, you can always find their quoting web page and submit a quote form there.
If you need to find a reputable agency, you must know there are a couple different types of agents and how they function. Phoenix agents are either exclusive or independent agents depending on their company appointments. Both types of agents can handle auto insurance, but it’s important to know the subtle differences since it may influence the kind of agent you use.
Independent Agents (or Brokers)
Agents that elect to be independent do not work for one specific company and that gives them the ability to insure with multiple insurance companies and find you the best rates. If they find a lower price, an independent agent can move your coverage and you can keep the same agent.
When comparing rate quotes, we recommend you get quotes from independent agents so that you have a good selection of quotes to compare. Many independent agencies also insure through different regional companies that can offer cheaper rates than bigger companies.
Listed below is a small list of independent agencies in Phoenix who may provide free rate quotes.
- Oasis Insurance
317 N 19th Ave – Phoenix, AZ 85009 – (602) 233-5500 – View Map
- Daniels Nicolson Insurance Agency, Inc
4411 N 19th Ave – Phoenix, AZ 85015 – (800) 972-1893 – View Map
- Fasula Kaplan Insurance Agency
11022 N 28th Dr Suite 125 – Phoenix, AZ 85029 – (602) 564-0880 – View Map
Exclusive Auto Insurance Agencies
Agents that choose to be exclusive can only provide pricing for a single company like Farmers Insurance and State Farm. They generally cannot provide rate quotes from other companies so you might not find the best rates. Exclusive agencies are trained well on what they offer which can be an advantage. Some consumers prefer to use the same exclusive agent mainly due to the brand instead of buying on price only.
Below are Phoenix exclusive agents that are able to give rate quotes.
- Jacob Rosell – State Farm Insurance Agent
2218 N 24th St – Phoenix, AZ 85008 – (602) 267-8200 – View Map
- Douglas Cheung – State Farm Insurance Agent
2600 N 44th St #110 – Phoenix, AZ 85008 – (602) 840-6655 – View Map
- American Family Insurance – Jennifer Swenson
4731 N Central Ave – Phoenix, AZ 85012 – (602) 995-9334 – View Map
Choosing the best auto insurance agent shouldn’t rely on just the premium amount. Get answers to these questions too.
- Are they involved in claim handling?
- Are aftermarket or OEM parts used to repair vehicles?
- How long have they been in business?
- What kind of financial rating does the company have?
- Do they review policy coverages at every renewal?
- What companies can they write with?
- Which company do they place the most coverage with?
- Are there any extra charges for paying monthly?
Insurance agents can help
Always remember that when buying a policy for your vehicles, there isn’t really a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply.
For example, these questions may help you determine whether you will benefit from professional help.
- How high should my medical payments coverage be?
- Can I rate high risk drivers on liability-only vehicles?
- Are my custom wheels covered?
- Is rental equipment covered for theft or damage?
- Is my ex-spouse still covered by my policy?
- Can I drive in Mexico and have coverage?
- Does rental coverage apply when I am renting a car?
If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and may give you better protection.
Smart shoppers get results
Some insurance companies do not offer online price quotes and usually these small, regional companies only sell through independent insurance agents. Affordable Pontiac G6 insurance in Phoenix is definitely available both online in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from.
When getting Phoenix auto insurance quotes online, never skimp on coverage in order to save money. In many cases, drivers have reduced collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your goal is to find the BEST coverage at an affordable rate but still have enough coverage for asset protection.
Much more information about insurance in Arizona can be found on the following sites:
- Should I Buy a New or Used Car? (Allstate)
- How Much are Car Insurance Rates for a Chevrolet Equinox in Phoenix? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Government Employees in Phoenix? (FAQ)
- Who Has Cheap Phoenix Auto Insurance Quotes for Drivers with Good Credit? (FAQ)
- Who Has Affordable Phoenix Auto Insurance for Single Moms? (FAQ)
- How do I File a Claim? (Insurance Information Institute)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Older Drivers FAQ (iihs.org)
- Can I Drive Legally without Insurance? (Insurance Information Institute)