Locating the cheapest insurance for a Pontiac G6 in Georgia can turn out to be difficult, but you can follow the following methods to save time. There is a right way and a wrong way to find insurance online so you're going to learn the absolute fastest way to price shop coverage on a Pontiac and obtain the lowest price.
Finding the cheapest auto insurance coverage in Atlanta is easy if you know what you're doing. If you have a policy now or need a new policy, you can use this information to reduce premiums while maximizing coverage. Vehicle owners only need an understanding of the proper methods to compare price quotes over the internet.
Low-cost companies for Pontiac G6 insurance
The providers in the list below offer price quotes in Atlanta, GA. If multiple providers are shown, it's a good idea that you click on several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|G6 4-Dr Sedan||$294||$502||$402||$24||$120||$1,342||$112|
|Get Your Own Custom Quote Go|
Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rate quotes do not factor in specific Atlanta garaging location which can change price quotes noticeably.
Impact of citations and accidents on insurance rates
The information below demonstrates how citations and at-fault collisions can drive up Pontiac G6 insurance prices for different age groups. The premium estimates are based on a single female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
Full coverage or liability only
The example below illustrates the comparison of Pontiac G6 premium costs with full coverage and liability only. The data is based on no violations or accidents, $1,000 deductibles, single male driver, and no discounts are applied.
When to buy liability coverage only
There is no set rule of when to phase out full coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let's assume your Pontiac G6 claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after paying your policy deductible. If it's costing you more than $600 a year for physical damage coverage, then it might be time to consider dropping full coverage.
There are some conditions where dropping physical damage coverage is not in your best interest. If you still owe money on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not remove full coverage.
Where to set your deductibles
The chart below demonstrates how deductible levels and can affect Pontiac G6 insurance premiums for different age groups. The prices are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.
Cheaper Atlanta insurance quotes with discounts
Auto insurance companies don't always publicize every discount very well, so the next list breaks down a few of the more well known as well as some of the hidden credits available to lower your premiums when you buy Atlanta auto insurance online.
- Bundle and Save - If you can combine your home and auto policy with the same company you could get a discount of approximately 10% to 15%.
- Discount for Good Grades - Getting good grades may save as much as 25% on a Atlanta auto insurance quote. You can use this discount normally until age 25.
- Data Collection Discounts - Drivers that enable driving data collection to scrutinize vehicle usage by using a telematics device such as Progressive's Snapshot may see discounts if they exhibit good driving behavior.
- Multi-line Discount - Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
- Discounts for Government Workers - Active or former government employment could provide a small rate reduction with certain companies.
- Discounts for Multiple Vehicles - Buying insurance for several vehicles with the same company can get a discount for every vehicle.
- Anti-theft System - Vehicles that have factory anti-theft systems are stolen less frequently and earn discounts up to 10% off your Atlanta auto insurance quote.
- Anti-lock Brake System - Anti-lock brake equipped vehicles have fewer accidents so companies give up to a 10% discount.
- Save over 55 - Drivers that qualify as senior citizens can possibly qualify for a slight reduction on a Atlanta auto insurance quote.
- Student in College - College-age children who are enrolled in higher education away from home and do not take a car to college may be insured at a cheaper rate.
Consumers should know that most credits do not apply to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, you're out of luck. But any discount will positively reduce your overall bill.
A few popular companies and some of their more popular discounts are detailed below.
- State Farm may offer discounts for driver's education, safe vehicle, good driver, multiple policy, and multiple autos.
- Farmers Insurance may have discounts that include mature driver, multi-car, homeowner, pay in full, teen driver, bundle discounts, and early shopping.
- Progressive discounts include online signing, continuous coverage, good student, multi-policy, online quote discount, and multi-vehicle.
- GEICO may include discounts for multi-policy, daytime running lights, anti-lock brakes, defensive driver, and five-year accident-free.
- Auto-Owners Insurance offers discounts including teen driver, multiple vehicles, paperless, air bags, safe vehicle, student away at school, and company car.
- The Hartford has discounts for defensive driver, good student, air bag, vehicle fuel type, anti-theft, driver training, and bundle.
- Farm Bureau offers premium reductions for safe driver, driver training, renewal discount, youthful driver, and good student.
- USAA offers discounts for new vehicle, vehicle storage, military installation, multi-vehicle, safe driver, family discount, and loyalty savings.
When quoting, ask every insurance company what discounts are available to you. Depending on the company, some discounts may not be offered in your area. For a list of companies who offer cheap Pontiac G6 insurance quotes in Atlanta, click here to view.
Insurance agents can help
Certain consumers just want to talk to a local agent and there is nothing wrong with that. Professional agents can help determine the best coverages and help submit paperwork. One of the great benefits of getting online price quotes is that drivers can save money and get cheap auto insurance rates and still choose a local agent.
To find an agent, once you fill out this simple form, your insurance coverage information is immediately sent to participating agents in Atlanta that can give you free Atlanta auto insurance quotes and help you find cheaper coverage. There is no need to leave your computer because quoted prices will be sent to your email. If you want to compare prices for a specific company, just search and find their rate quote page and submit a quote form there.
Choosing an insurer should depend on more than just a cheap price. You should also get answers to these questions.
- Do you qualify for any additional discounts?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Can they provide you with a list of referrals?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Does the agent have a valid license to sell insurance in Georgia?
Compare rates from both independent and exclusive auto insurance agents
If you prefer to buy auto insurance from a reputable agency, you should know the different types of agencies that you can select. Insurance agencies in Atlanta are either independent (non-exclusive) or exclusive. Either one can handle auto insurance, but it's important to point out the difference between them since it can impact the kind of agent you use.
These type of agents can only place business with one company and examples are State Farm, Allstate and AAA. They generally cannot place coverage with different providers so you need to shop around if the rates are high. Exclusive agencies are well schooled in insurance sales which helps them sell insurance even at higher premiums. Consumers frequently buy from the same agent for years mainly due to the brand rather than low price.
The following are exclusive agencies in Atlanta that are able to give rate quotes.
- Bryant Thompson - State Farm Insurance Agent
2230 Cascade Rd SW - Atlanta, GA 30311 - (404) 228-6085 - View Map
- Danny Gibson State Farm Insurance Agent
215 Piedmont Ave NE #1 - Atlanta, GA 30308 - (404) 524-2292 - View Map
- Allstate Insurance: Douglas Hollis
2195 Fairburn Rd SW - Atlanta, GA 30331 - (404) 629-1510 - View Map
Independent Auto Insurance Agents
Independent agents are normally appointed by many insurers and that is an advantage because they can write policies through many different auto insurance companies and get the cheapest rates. If they find a lower price, your agent can switch companies without you having to go to a different agency.
If you are trying to find cheaper rates, you need to get several quotes from several independent insurance agents to have the most options to choose from. Many can place coverage with companies you've never heard of which can be an advantage.
Below is a list of independent insurance agencies in Atlanta who can help you get price quotes.
- Georgia Insurance Brokerage
193 Auburn Ave NE - Atlanta, GA 30303 - (404) 525-1600 - View Map
- Mack Insurance Agency, Inc.
530 Joseph E Lowery Blvd SW A - Atlanta, GA 30310 - (470) 771-3398 - View Map
- Snellings Walters Insurance Agency
1117 Perimeter Center W - Atlanta, GA 30338 - (770) 396-9600 - View Map
Save 15 percent in 15 minutes? Is it for real?
Georgia drivers get pounded daily by advertisements that promise big savings for switching by companies like State Farm, GEICO and Progressive. All the companies make an identical promise that people will save if you switch your auto insurance policy to them.
How is it plausible that every one can make the same claim? It's all in how they say it.
Auto insurance companies have a preferred profile for the type of driver that is profitable for them. One example of a desirable risk might have to be between 30 and 50, insures multiple vehicles, and has excellent credit. A propective insured who matches those parameters will get a cheap rate quote in Atlanta and will save a lot of money.
Drivers who do not match those criteria will be charged higher premiums which translates to the customer buying from a different company. If you listen closely, the ads state "customers who switch" but not "everyone who gets a quote" save the amount stated. That is how insurance companies can advertise the way they do. This emphasizes why drivers should do a rate comparison at every renewal. Because you cannot predict which auto insurance company will have better rates than you're paying now.
Car insurance coverage considerations
Having a good grasp of your policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement.
This provides protection from damages or injuries you inflict on other people or property by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.
Liability coverage protects against claims such as medical expenses, attorney fees and loss of income. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford. Georgia state minimum liability requirements are 25/50/25 but you should consider buying higher limits.
Collision insurance pays for damage to your G6 caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims such as hitting a parking meter, sideswiping another vehicle, scraping a guard rail, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible on your G6 to get cheaper collision coverage.
Comprehensive (Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as damage from flooding, damage from getting keyed, a broken windshield, hitting a bird and damage from a tornado or hurricane. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle's value is low consider dropping full coverage.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle's damage.
Since many Georgia drivers only purchase the least amount of liability that is required (25/50/25), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Medical expense insurance
Med pay and PIP coverage kick in for immediate expenses like pain medications, EMT expenses and surgery. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible
Frequent quotes can save
As you prepare to switch companies, you should never buy less coverage just to save a little money. There are many occasions where an insured dropped full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible for the lowest cost and still be able to protect your assets.
You just learned a lot of information how to lower your Pontiac G6 insurance rates in Atlanta. The key concept to understand is the more companies you get auto insurance rates for, the better your chances of lowering your auto insurance rates. You may even be surprised to find that the lowest rates come from some of the smallest insurance companies.
Drivers who switch companies do it for many reasons like high prices, policy cancellation, being labeled a high risk driver and not issuing a premium refund. Whatever your reason, choosing a new insurance company is easier than you think.
Additional car insurance information is available below:
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Quotes for Teenagers in Atlanta? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Uninsured Drivers in Atlanta? (FAQ)
- Who Has Affordable Car Insurance for Active Military in Atlanta? (FAQ)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- What is Full Coverage? (Allstate)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)