Save Money on Pontiac G6 Insurance in Columbus

Are you tired of overpaying and want lower-priced Pontiac G6 insurance in Columbus? Buying the cheapest Columbus Pontiac G6 insurance quotes over the internet might appear impossible for people who are beginners to quoting and buying insurance online. With such a large choice of online companies available, how are we expected to effectively compare them all to find lower car insurance premiums?

Steps to buying discount Pontiac G6 insurance in Columbus

The best way to save on auto insurance rates in Columbus is to compare quotes once a year from insurance carriers in Ohio. Drivers can shop around by following these guidelines.

Step 1: Learn about how insurance works and the steps you can take to prevent high rates. Many factors that result in higher rates such as at-fault accidents, careless driving, and an unacceptable credit score can be rectified by making minor changes in your lifestyle. This article provides ideas to help prevent high rates and find additional discounts you may qualify for.

Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like Progressive or Farmers Insurance, while independent agencies can quote prices for a wide range of companies.

Step 3: Compare the price quotes to the price on your current policy to determine if you can save on G6 insurance. If you can save some money, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Notify your current company of your decision to cancel your current car insurance policy. Submit the application along with any required down payment for the new coverage. Once coverage is bound, put the new proof of insurance paperwork in an easily accessible location.

An important note is that you’ll want to compare identical coverage information on each price quote and and to get price quotes from as many companies as possible. This helps ensure the most accurate price comparison and a complete price analysis.

A recent NerdWallet.com study revealed that the vast majority of Ohio car insurance customers have bought car insurance from the same company for a minimum of four years, and virtually 40% of consumers have never even compared rates from other companies. Consumers in the United States can save hundreds of dollars each year by just comparing rate quotes, but they just feel it’s too hard to compare rates and save money.

It’s smart to do price comparisons periodically because car insurance prices change frequently. If you had the best deal on Pontiac G6 insurance in Columbus on your last policy there may be better deals available now. There is a lot of bad advice regarding G6 insurance on the internet, but in just a couple of minutes you can learn some of the best techniques to find affordable car insurance in Columbus.

Just keep in mind that quoting more gives you a better chance of getting lower pricing. Some companies don’t provide rate quotes online, so it’s recommended that you also compare price estimates from those companies as well.

The providers in the list below are ready to provide free quotes in Columbus, OH. If more than one company is shown, we suggest you get rates from several of them to get the lowest price.

Lower-cost Pontiac G6 insurance in Columbus

The cost of insuring your cars can be expensive, but you might find some hidden discounts that can dramatically reduce your bill. Certain reductions will be credited when you get a quote, but some must be manually applied prior to receiving the credit.

• Anti-lock Brakes – Cars with ABS and/or traction control prevent accidents and qualify for as much as a 10% discount.
• Telematics Devices – Policyholders that allow their insurance company to scrutinize driving patterns by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as they are good drivers.
• Good Drivers – Insureds who avoid accidents can save up to 40% or more on their Columbus auto insurance quote than their less cautious counterparts.
• Memberships – Being a member of certain professional organizations may earn a discount on your policy.
• Safety Course Discount – Successfully completing a course teaching driver safety skills could earn you a small percentage discount and also improve your driving technique.
• Discount for Low Mileage – Fewer annual miles on your Pontiac could qualify for cheaper prices.
• Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save a little off the medical payments premium.

As a footnote on discounts, most credits do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

The diagram below illustrates the comparison of Pontiac G6 insurance premiums with and without discounts. The information is based on a male driver, no driving violations, no at-fault accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, claim-free, safe-driver, and marriage discounts applied.

Some of the insurance companies that may include most of these discounts may include but are not limited to:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

If you are trying to find cheaper Columbus auto insurance quotes, ask each insurance company to apply every possible discount. Discounts may not apply in every state. To choose insurance companies who offer insurance discounts in Columbus, click here to view.

Coverage statistics and figures

The information displayed below outlines different insurance rates for Pontiac G6 models. Having insight into how car insurance premiums are figured can benefit drivers when making smart policy decisions.

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in vehicle garaging location which can influence prices significantly.

Higher deductibles save money

When comparing car insurance rates, the most common question is which comprehensive and collision deductibles to buy. The comparisons below determine how much more rates are between high and low physical damage coverage deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Price estimates do not factor in vehicle location which can affect coverage prices considerably.

Based on the data above, we can derive that using a $250 deductible would cost the average driver about $10 more each month or $120 a year than requesting the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 25 months between claims, you would save more money by selecting a higher deductible.

The diagram below shows how different deductible levels and can increase or decrease Pontiac G6 yearly insurance costs for different age categories. Data assumes a married female driver, full coverage, and no policy discounts are applied.

Annual premiums for males compared to females in Columbus

The chart below illustrates the difference between Pontiac G6 yearly insurance costs for male and female drivers. The prices are based on no claims or violations, comprehensive and collision coverage, $250 deductibles, single marital status, and no policy discounts are applied.

Full coverage versus liability only rates

The chart below illustrates the comparison of Pontiac G6 insurance costs with and without physical damage coverage. The information is based on no claims or violations, $500 deductibles, marital status is single, and no additional discounts are factored in.

When to switch to liability coverage only

There is no exact rule to drop physical damage coverage, but there is a broad guideline. If the annual cost of having full coverage is 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.

For example, let’s pretend your Pontiac G6 book value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $7,000 after paying your deductible. If premium cost is more than $700 a year for physical damage coverage, then it could be time to drop full coverage.

There are some conditions where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not buy liability only.

Eight Tips to Get More Affordable Columbus Insurance Premiums

Many different elements are considered when pricing auto insurance. Some of the criteria are obvious such as your driving record, although others are not quite as obvious such as your credit history or your financial responsibility. An important part of buying insurance is that you know the rating factors that play a part in calculating your premiums. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

Shown below are just a few of the factors used by your company to calculate rates.

• Driver age impacts prices – Older people are shown to be more cautious, cause fewer claims and accidents, and tend to be get fewer driving tickets. Beginning drivers have a tendency to be careless and easily distracted with other occupants in the car so they pay higher car insurance rates.

  The following data uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.

• Low comp and collision deductibles cost more – Comprehensive and collision coverage deductibles are how much you are required to spend in the event of a claim. Physical damage coverage, aka comp and collision, insures against damage to your car. Some examples of covered claims are rear-ending another vehicle, hail damage, and damage caused by road hazards. The more damage repair cost the insured is willing to pay, the less your company will charge you for insurance.
• Lower stress equals lower rates – Did you know your job can affect your rates? Careers like judges, air traffic controllers, and financial analysts generally pay higher average rates due to job stress and lengthy work days. On the flip side, jobs such as scientists, historians and homemakers generally pay rates lower than average.
• Never let your car insurance policy expire – Driving without insurance coverage in place is a misdemeanor and your next policy will cost more because you let your insurance coverage expire. And not only will your rates increase, the inability to provide proof of insurance might get you fines and jail time.
• Improve your credit history – An insured’s credit history will be a significant factor in determining what you pay for car insurance. Therefore, if your credit could use some work, you could be paying less to insure your Pontiac G6 by taking the time to improve your credit score. Insureds that have excellent credit tend to be better drivers and file fewer claims than drivers with poor credit.
• Save money by having multiple policies – Most larger insurers apply discounts to people who carry more than one policy. It’s known as a multi-policy discount. Even with this discount, it’s always a smart idea to compare Pontiac G6 rates in Columbus to guarantee you are still saving the most. You may still find lower rates by splitting coverages up.
• If you don’t need it don’t buy it – Policies have optional add-on coverages that can waste your money if you aren’t careful. Insurance for personal injury protection, better glass coverage, and Farm Bureau memberships may be wasting your money. You may think they are a good idea when deciding what coverages you need, but if you don’t need them remove them and pocket the money.
• Deter vehicle theft – Selecting a car model with a theft deterrent system can help lower your rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder vehicle theft.