Do you want to stop overpaying and find low-cost Pontiac G6 insurance in Los Angeles? Shopping for discount Los Angeles Pontiac G6 insurance quotes may be challenging for consumers not familiar with buying insurance on the web. With so many options of companies, how can Los Angeles drivers have a chance to compare every one to find cheaper car insurance rates?
We don’t have to point out that fact that auto insurance companies don’t want you to look at other companies. Drivers who compare other prices will, in all likelihood, buy a different policy because there is a good probability of finding coverage at a more affordable price. A study discovered that people who make a habit of shopping around saved $850 each year compared to people who never compared prices.
If finding budget-friendly insurance is your objective, knowing how to choose a company and compare auto insurance can make shopping around easier.
It’s smart to shop coverage around yearly due to the fact that insurance rates are usually higher with each renewal. Just because you found the lowest premium rates on Pontiac G6 insurance in Los Angeles on your last policy you can probably find a better price now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the best methods to get good coverage on Pontiac G6 insurance in Los Angeles at a lower rate.
If you are already insured, you will most likely be able to find better prices using the following tips. Comparing rates for the best policy in Los Angeles is not that difficult. But California vehicle owners must comprehend the way insurance companies calculate your auto insurance rates and use this information to your advantage.
Cheaper rates on Pontiac G6 insurance in Los Angeles with these eight discounts
Some insurance providers do not advertise every policy discount very clearly, so the list below contains both well-publicized and the harder-to-find discounts that you may qualify for.
- Theft Deterrent Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more on G6 insurance in Los Angeles.
- Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may get savings as much as 30%.
- Low Mileage Discounts – Driving less may enable drivers to earn lower premium rates on the low mileage vehicles.
- Military Rewards – Having a family member in the military may qualify for rate reductions.
- Pay Now and Pay Less – By paying your policy upfront rather than spreading payments over time you could save 5% or more.
- First Accident Forgiveness – Not really a discount, but a handful of insurance companies will forgive one accident before your rates go up if your claims history is clear before the accident.
- Telematics Devices – Insureds that choose to allow their company to look at vehicle usage remotely such as Progressive’s Snapshot could possibly reduce rates if they show good driving skills.
- Savings for New Vehicles – Adding a new car to your policy can get you a discount because newer models have to meet stringent safety requirements.
While discounts sound great, it’s important to understand that many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like comprehensive or collision. Even though the math looks like all the discounts add up to a free policy, it’s just not the way it works.
The illustration below shows the comparison of Pontiac G6 insurance rates with and without discounts applied. The costs are based on a female driver, no claims or violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, homeowner, claim-free, and safe-driver discounts applied.
To see a list of insurers who offer free Pontiac G6 insurance quotes in Los Angeles, click here to view.
The best way we recommend to compare car insurance company rates for Pontiac G6 insurance in Los Angeles is to know auto insurance companies will pay a fee to provide you with free rate quotes. To get started, all you need to do is give them rating details like your general credit rating, coverage limits, if you are currently licensed, and the make and model of your vehicles. That rating data is then submitted to insurance carriers in your area and you receive quotes immediately.
To compare multiple company cheap Pontiac G6 insurance rates now, click here and see if a lower rate is available in Los Angeles.
The companies shown below are our best choices to provide price comparisons in Los Angeles, CA. If multiple companies are listed, we suggest you visit several of them to find the most affordable auto insurance rates.
Rate information and statistics
The premium information displayed below showcases a range of insurance premium costs for Pontiac G6 models. Learning how rates are established can be valuable when making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Get Your Own Customized Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Premium amounts do not factor in zip code location which can change insurance rates considerably.
Analysis of deductible levels
When buying auto insurance, a common question is how high should the deductibles for physical damage be. The figures shown below highlight the cost difference of buying low and high physical damage deductibles. The first rate quote example uses a $250 deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Get Your Own Customized Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Get Your Own Customized Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price information does not factor in specific location information which can decrease or increase prices greatly.
Based on the figures above, using a $250 deductible will cost you approximately $17 more each month or $204 for a full year averaged for all G6 models than selecting the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 15 months between claim filings, you would most likely save money if you elect the higher deductible. The numbers below show a better example of how this decision is made.
| Average monthly premium for $250 deductibles: | $129 |
| Average monthly premium for $500 deductibles (subtract): | – $112 |
| Monthly savings from raising deductible: | $17 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $17 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
One important issue to know is that raising deductibles results in a higher out-of-pocket expense if you have a claim. You need enough disposable savings in the event you need to pay the higher deductible.
Irresponsible driving raises your rates
The chart below illustrates how traffic citations and accident claims can raise Pontiac G6 auto insurance costs for different ages of insureds. The price estimates are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.
Liability only or full coverage
The example below shows the difference between Pontiac G6 yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The data assumes no claims or violations, $100 deductibles, drivers are not married, and no discounts are factored in.
Should you pay for full coverage?
There is no definitive formula of when to drop physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.
For example, let’s pretend your Pontiac G6 replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after paying the physical damage deductible. If you are currently paying more than $800 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are some circumstances where dropping full coverage is not advised. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage.
When in doubt talk to an agent
When it comes to buying coverage online or from an agent for your vehicles, there really isn’t a cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that.
For instance, these questions can help discover if you might need an agent’s assistance.
- What is the ISO rating for a Pontiac G6?
- Do I need roadside assistance coverage?
- Am I insured when driving a different vehicle?
- Does car insurance cover theft of personal property?
- Does insurance cover tools stolen from my truck?
- What does PIP insurance cover?
- Does my insurance cover damage caused when ticketed for reckless driving?
If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area.
Local Los Angeles insurance agencies
Certain consumers just want to buy from a licensed agent and that can be a great decision The best thing about comparing auto insurance online is that you can find cheaper premium rates but still work with a licensed agent. Buying from local insurance agencies is especially important in Los Angeles.
To help locate an agent, after submitting this short form, your insurance data is transmitted to local insurance agents who can give free rate quotes to get your business. It simplifies rate comparisons since you won’t have to do any legwork because prices are sent directly to you. You can find better rates without having to waste a lot of time. If you want to quote rates from one company in particular, don’t hesitate to visit that company’s website and fill out the quote form the provide.
If you’re trying to find a reliable agent, you need to know there are two different types of agencies and how they are distinctly different. Auto insurance policy providers can be categorized as either exclusive or independent agents depending on their company appointments.
Independent Agents
Independent insurance agents can sell policies from many different companies and that allows them to write policies through many different auto insurance companies and find you the best rates. To transfer your coverage to a different company, they simply move the coverage in-house and you stay with the same agent. When comparing rates, you should always get some free quotes from at a minimum one independent agency to have the most options to choose from. A lot of them also have access to lesser-known insurance companies that may have much lower rates than larger companies.
The following are Los Angeles independent agents who may provide cheap rate quotes.
- Starco Insurance
1905 S Western Ave #19 – Los Angeles, CA 90018 – (310) 215-9991 – View Map - Choice Insurance Agency
1601 S La Brea Ave – Los Angeles, CA 90019 – (323) 933-9888 – View Map - Lewis and Lewis Insurance Agency, Inc.
11900 W Olympic Blvd #475 – Los Angeles, CA 90064 – (800) 966-6830 – View Map
Exclusive Agents
Agents of this type can usually just insure with one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to provide other company’s prices so they have no alternatives for high prices. Exclusive insurance agents are well trained in insurance sales and that enables them to sell even at higher rates. Consumers often buy insurance from these agents primarily because of the prominence of the brand rather than having low rates.
Shown below are Los Angeles exclusive insurance agents that are able to give price quote information.
- Stephan Buckley – State Farm Insurance Agent
4340 Leimert Blvd #201 – Los Angeles, CA 90008 – (323) 298-9022 – View Map - Sean Kim – State Farm Insurance Agent
2727 W Olympic Blvd #102 – Los Angeles, CA 90006 – (213) 480-3377 – View Map - Mirzakhanyan Insurance Agency Inc. – State Farm
7113 1/2 Sunset Boulevard – Los Angeles, CA 90046 – (323) 303-3728 – View Map
Picking the best auto insurance agent needs to be determined by more than just a cheap price. Some important questions to ask are:
- Does the company use OEM repair parts?
- Do they prorate repair cost based on vehicle mileage?
- Are claims handled at the agent’s location?
- Did they already check your driving record and credit reports?
- Do the coverages you’re quoting properly cover your vehicle?
- Are they involved in claim handling?
- Can you contact them at any time?
Auto insurance policy coverages for a Pontiac G6
Learning about specific coverages of auto insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages found on the average auto insurance policy.
Collision protection
Collision coverage covers damage to your G6 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims such as crashing into a ditch, scraping a guard rail, crashing into a building and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible on your G6 in order to get cheaper collision rates.
Liability car insurance
This coverage protects you from injuries or damage you cause to other people or property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 15/30/5 which means a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and a limit of $5,000 paid for damaged property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage protects against things like medical expenses, medical services, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible. California state law requires minimum liability limits of 15/30/5 but you should think about purchasing better liability coverage.
The chart below shows why minimum state limits may not be adequate coverage.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage kick in for bills like X-ray expenses, funeral costs, prosthetic devices and surgery. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible
Comprehensive coverage (or Other than Collision)
This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like hitting a deer, falling objects, damage from a tornado or hurricane, damage from getting keyed and vandalism. The most your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Pontiac G6.
Since many California drivers carry very low liability coverage limits (California limits are 15/30/5), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are set the same as your liability limits.
Quote more to save more
We covered a lot of information how to lower your Pontiac G6 insurance car insurance rates in Los Angeles. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest priced insurance comes from the least-expected company. They can often insure niche markets at a lower cost than their larger competitors like Progressive and GEICO.
When you buy Los Angeles car insurance online, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed uninsured motorist or liability limits only to discover later they didn’t have enough coverage. Your focus should be to find the BEST coverage for the lowest cost.
Even more information can be found at these sites:
- Coverage Information (Progressive Insurance)
- How Much is Los Angeles Auto Insurance for a Learners Permit? (FAQ)
- Vehicle Size and Weight FAQ (iihs.org)
- Information for Teen Drivers (GEICO)
- Choosing an Insurance Company (Insurance Information Institute)