Pontiac G6 Insurance Rate Quotes in Philadelphia

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Insurance rates Pontiac G6 in PhiladelphiaWant to learn how to buy lower-priced Pontiac G6 insurance in Philadelphia? Did you make the mistake of buying an overpriced car insurance policy? Don't sweat it because many Philadelphia consumers are in the same pinch.

Statistics show that a large majority of drivers kept buying from the same company for at least four years, and 38% of drivers have never compared rate quotes at all. Many consumers in Pennsylvania could cut their rates by roughly 55% a year just by comparing rates, but they just don't understand the amount of savings they would get if they swap their current policy for a cheaper one.

You have so many insurers to buy insurance from, and although it's nice to be able to choose, lots of choices makes it harder to compare company pricing for Pontiac G6 insurance in Philadelphia.

Many insurance companies like Allstate and Progressive give insurance quotes directly from their websites. Doing online quotes for Pontiac G6 insurance in Philadelphia is fairly simple as you simply type in your coverage information on the page. After you submit the form the quote system automatically retrieves your credit score and driving record and generates pricing information. This simplifies rate comparisons, and it's necessary to have as many quotes as possible if you want to get cheaper prices.

In order to compare rates now, compare rates now from the companies shown below. If you have coverage now, it's recommended you input the coverage information exactly as shown on your declarations page. This guarantees you will have rate comparison quotes for similar insurance coverage.

The companies shown below are our best choices to provide free rate quotes in Philadelphia, PA. If more than one company is shown, we recommend you visit several of them to get the best price comparison.

Car insurance policy discounts you can't miss

Insuring your fleet can be pricey, but there could be available discounts that may help make it more affordable. Certain credits will be shown when you complete an application, but a few must be specially asked for before they will apply. If you're not getting every credit you qualify for, you are throwing money away.Discount car insurance

  • Telematics Devices - Philadelphia drivers who agree to allow driving data submission to study driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate's Drivewise system may see discounts if they are good drivers.
  • Accident Free - Philadelphia drivers who stay claim-free can save substantially as opposed to policyholders that have many claims.
  • Discounts for New Vehicles - Putting coverage on a new G6 can save up to 30% because newer models are generally safer.
  • Lower Rates for Military - Being on active duty in the military may lower your premium rates slightly.
  • Good Driver Discounts - Drivers without accidents may receive a discount up to 45% than less cautious drivers.
  • Early Renewal Discounts - Some insurance companies reward drivers for buying a new policy before your current G6 insurance policy expires. This can save 10% or more.

As is typical with insurance, most credits do not apply to the whole policy. Most only apply to individual premiums such as comp or med pay. So when it seems like all the discounts add up to a free policy, you aren't that lucky. Any amount of discount will cut your car insurance premiums.

The illustration below shows the comparison of Pontiac G6 car insurance costs with and without discounts. The rate quotes are based on a male driver, no violations or accidents, Pennsylvania state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, claim-free, marriage, and homeowner discounts applied.

Auto insurance companies that may offer quotes with most of the discounts above may include but are not limited to:

Before purchasing a policy, check with each insurance company the best way to save money. Some of the discounts discussed earlier might not be offered on policies in your area. For a list of car insurance companies who offer discounts in Pennsylvania, click this link.

Coverage information

The rate information displayed next showcases different policy rates for Pontiac G6 models. Being able to understand how auto insurance premiums are calculated can help drivers make informed coverage decisions.

Pontiac G6 Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $250 $492 $398 $24 $120 $1,284 $107
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Price information does not factor in specific Philadelphia garaging location which can raise or lower coverage prices substantially.

Policy deductibles

One common question asked by Philadelphia drivers is where to set your physical damage deductibles. The comparisons below lay out how much more rates are between low and high physical damage deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.

Pontiac G6 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $254 $428 $330 $20 $98 $1,155 $96
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Pontiac G6 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $206 $346 $330 $20 $98 $1,000 $83
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Information does not factor in vehicle location which can change premiums greatly.

Based on the data above, we can derive that using a $250 deductible will cost in the ballpark of $13 more each month or $156 every year than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you have at a minimum 19 months between claim filings, you would probably save some money going with the higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $250 deductibles: $96
Average monthly premium for $500 deductibles (subtract): - $83
Monthly savings from raising deductible: $13
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

Pontiac G6 liability-only versus full coverage

The chart below compares Pontiac G6 premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Pennsylvania. The information is based on no claims, a clean driving record, $100 deductibles, single status, and no discounts are factored in.

When to drop comprehensive and collision coverage

There isn't a written rule to eliminate full coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let's assume your Pontiac G6 settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after the policy deductible has been paid. If you are paying more than $400 a year for your policy with full coverage, then you might consider buying liability only.

There are some situations where only buying liability is not a good idea. If you haven't paid off your loan, you are required to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

How to Lower Your Insurance Costs

The best way to find cheaper insurance is to take a look at some of the factors that help calculate your premiums. When you know what positively or negatively determines premiums, this allows you to make educated decisions that may result in lower rates.

  • Fewer miles means better prices - Driving more miles each year the higher your rates will be. Many insurance companies calculate prices based upon how the vehicle is primarily used. Vehicles left parked in the garage receive lower rates than vehicles that are driven to work every day. Make sure your vehicle rating properly reflects the correct usage, because it can save money. A policy that improperly rates your G6 may be costing you.
  • Insurance rates for married couples - Being married actually saves money when buying insurance. It is viewed as being less irresponsible and insurance companies reward insureds because being married results in fewer claims.
  • How credit rating affects insurance prices - Your credit score factor in determining what you pay. People with very high credit ratings tend to be more responsible and file fewer claims than those with lower credit ratings. If your credit rating is not that good, you could be paying less to insure your Pontiac G6 by taking the time to improve your credit score.
  • Car plus home equals more savings - Most larger insurance companies will give discounts for people who carry more than one policy, otherwise known as a multi-policy discount. Even if you're getting this discount you may still want to compare other company rates to confirm you are receiving the best rates possible. Consumers may find a better deal by buying insurance from a different company.
  • Buy as much liability insurance as you can afford - Your policy's liability coverage is the coverage that protects you if ever a court rules you are at fault for physical damage or personal injury to other. It provides for a legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Extra policy coverages could be costing you - Policies have additional extra coverages that may not really be needed when buying insurance. Coverage for things like personal injury protection, high-cost glass coverage, and term life insurance are examples of these. They may seem like a good idea when discussing your needs, but if they're wasting money eliminate them to save money.
  • Big cities have higher premiums - Being located in small towns and rural areas has definite advantages when talking about insurance. City drivers regularly have traffic congestion and much longer commute distances. Fewer drivers and short commutes corresponds to lower accident rates in addition to fewer liability claims.
  • The type of car you drive affects your costs - The performance of the car you need insurance for makes a huge difference in your car insurance bill. The most favorable rates are generally reserved for smaller low performance passenger cars, but your final cost has many other factors.

    The following data is based on a married male driver age 30, full coverage with $250 deductibles, and no discounts or violations. The data compares Pontiac G6 rates compared to other models of vehicles that have different performances.

Independent and exclusive insurance agencies

Many drivers still like to buy from a licensed agent and that is a smart decision The biggest benefit of comparing rate quotes online is the fact that drivers can get the best rates and still have a local agent. Putting coverage with local agents is still important in Philadelphia.

After completing this quick form, your insurance data is immediately sent to insurance agents in Philadelphia who want to provide quotes for your insurance coverage. It simplifies rate comparisons since you won't have to search for an agent because prices are sent straight to your inbox. You can get cheaper insurance rates without the usual hassles of price shopping. In the event you want to compare rates from a specific company, you can always visit that company's website and complete a quote there.

The following is a short list of insurers in Philadelphia that may be willing to give comparison quotes for Pontiac G6 insurance in Philadelphia.

254 S 10th St - Philadelphia, PA 19107 - (215) 238-7400 - View Map

6001 Ridge Ave - Philadelphia, PA 19128 - (215) 482-7000 - View Map

7214 Frankford Ave - Philadelphia, PA 19135 - (800) 283-0500 - View Map

706 S 5th St - Philadelphia, PA 19147 - (215) 922-1222 - View Map

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Choosing the best provider needs to be determined by more than just a low price. The following questions are important to ask.

  • Do they reduce claim amounts on high mileage vehicles?
  • Does the quote include credit and driving reports?
  • Can you contact them at any time?
  • How often do they review policy coverages?
  • If you raise deductibles, how much can you save?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?

Find cheap rates by comparing often

Cheaper Pontiac G6 insurance in Philadelphia is available both online in addition to many Philadelphia insurance agents, so you need to quote Philadelphia car insurance with both to have the best rate selection. Some insurance providers may not provide price quotes online and these small, regional companies only sell through independent agents.

We covered a lot of information how to save on Pontiac G6 insurance in Philadelphia. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even be surprised to find that the best price on insurance is with some of the smallest insurance companies. These smaller insurers may often insure only within specific states and give better rates than the large multi-state companies such as Allstate or State Farm.

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