How to Save on Denver Pontiac G6 Insurance

Are you doing reasearch to find more competitive auto insurance rates in Denver, CO? Denver buyers have lots of choices when searching for the lowest priced Pontiac G6 insurance. You can either spend your time driving around getting price quotes or save time using the internet to find the lowest rates.

There is a better way to shop for auto insurance so we’re going to tell you the absolute fastest way to quote coverages for your Pontiac and locate the lowest possible price from Denver insurance agents and online providers.

Smart consumers take time to compare rates occasionally because prices change regularly. Even if you got the best price on Pontiac G6 insurance in Denver a few years ago there is a good chance you can find better rates now. Ignore everything you know about auto insurance because you’re going to learn the tricks you need to know to remove unneeded coverages and save money.

The intent of this article is to let you in on how to effectively get price quotes and some money-saving tips. If you currently have a car insurance policy, you should be able to save money using this strategy. Consumers just have to know the quickest way to buy insurance online.

Cheapest companies for Pontiac G6 insurance in Colorado

The providers in the list below can provide price comparisons in Denver, CO. If multiple providers are shown, we recommend you visit several of them to find the cheapest car insurance rates.

Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Information does not factor in vehicle location which can revise premium rates noticeably.

Should you raise deductibles?

The information below highlights how deductible selection and can influence Pontiac G6 insurance costs for different categories of driver ages. The premiums assume a married male driver, comprehensive and collision coverage, and no discounts are factored in.

How careless driving impacts car insurance rates

The example below highlights how speeding tickets and at-fault accidents can increase Pontiac G6 yearly insurance costs for different age groups of insureds. Data assumes a single male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

Higher deductibles save money

One common question asked by Denver drivers is the level to set your comp and collision deductibles. The premium rates below may help to conceptualize the rate differences between high and low physical damage coverage deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price estimates do not factor in Denver location which can raise or lower premium rates noticeably.

Using the data above, we can ascertain that using a $100 deductible would cost the average driver about $35 more each month or $420 each year than buying the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 26 months between claims, you would probably come out ahead if you elect the higher deductible.

The Pontiac G6 Insurance Cost Equation

Many different elements are used when you get your auto insurance bill. Most are fairly basic like a motor vehicle report, but other factors are not quite as obvious such as whether you are married or your commute time.

The items below are a partial list of the pieces utilized by car insurance companies to help set rates.

• Better credit means lower premiums – Having a good credit score is a big factor in calculating your auto insurance rates. If your credit rating can use some improvement, you could potentially save money when insuring your Pontiac G6 if you clean up your credit. People that have high credit ratings tend to be less risk to insure than drivers who have lower credit ratings.
• Men pay higher rates – Statistics demonstrate that females take fewer risks when driving. However, this does not mean women are better drivers. Males and females tend to get into accidents at a similar rate, but males have accidents that have higher claims. Not only that, but men also receive more costly citations like DUI and reckless driving.
• Pay more for higher performance vehicles – The performance of the vehicle you are insuring makes a substantial difference in your auto insurance rates. Due to the fact that the Pontiac G6 is classified as a sedan, insuring your vehicle will cost about the same as compared to the average rate in Denver. Lower performance four cylinder passenger vehicles usually are quite affordable to insure, but many other things help determine your insurance rates.
• Rates increase with driving citations – Your driving citation history has a lot to do with how much you pay for insurance. Drivers with clean records get better rates as compared to those with violations. Even one citation could increase your next policy renewal forty percent or more. Drivers who have received severe violations such as reckless driving, hit and run or driving under the influence may find that they have to to file a SR-22 with their state in order to prevent a license revocation.
• Cheaper auto insurance rates using theft deterrents – Choosing a vehicle with anti-theft technology or alarm system can save you some money. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
• Do you have a high stress job? – Occupations such as military personnel, air traffic controllers, and accountants have the highest average rates attributed to stressful work requirements and lengthy work days. On the flip side, occupations such as scientists, athletes and performers pay the least.

Lower your insurance rates with discounts

Car insurance companies do not list the entire discount list in an easy-to-find place, so the list below gives a summary of some of the more common as well as some of the hidden discounts that you may qualify for.

• No Claims – Denver drivers who stay claim-free can earn big discounts compared to drivers who are more careless.
• Low Miles Discount – Keeping the miles down on your Pontiac could earn substantially lower insurance rates.
• Discount for Good Grades – Excelling in school may save you up to 25%. Many companies even apply the discount to college students up to age 25.
• No Charge for an Accident – Not really a discount, but some insurance companies allow you one accident before raising your premiums if your claims history is clear for a certain period of time.
• Discounts for New Vehicles – Buying a new car model can be considerably cheaper because new vehicles keep occupants safer.
• Membership in Organizations – Joining a civic or occupational organization in Denver could qualify you for a break when getting a Denver car insurance quote.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. Most only cut the cost of specific coverages such as comp or med pay. If you do the math and it seems like all the discounts add up to a free policy, it’s just not the way it works.

A list of insurance companies and a partial list of their discounts are shown below.

• AAA offers discounts for pay-in-full, multi-car, AAA membership discount, good student, good driver, multi-policy, and education and occupation.
• Progressive may have discounts that include good student, homeowner, multi-vehicle, online signing, and multi-policy.
• State Farm has discounts for defensive driving training, good student, driver’s education, student away at school, and Drive Safe & Save.
• Esurance may offer discounts for homeowner, multi-car, multi-policy, anti-theft, and Switch & Save.
• Nationwide discounts include business or organization, easy pay, defensive driving, good student, accident-free, and family plan.

Check with all companies you are considering what discounts are available to you. Discounts may not apply in your state.

Compare rate quotes but buy from a local neighborhood Denver car insurance agent

Many people still prefer to talk to an insurance agent and that is OK! Good agents are trained to spot inefficiencies and give you someone to call. One of the benefits of comparing rates online is the fact that drivers can get cheaper auto insurance rates and still have a local agent. Buying insurance from local insurance agents is important particularly in Denver.

After filling out this form (opens in new window), your coverage information gets sent to companies in Denver who can give free rate quotes for your coverage. There is no need to drive around since price quotes are sent immediately to you. If you have a need to get a price quote for a specific company, you would need to go to their quote page and submit a quote form there.

Deciding on an company requires more thought than just a cheap quote. Get answers to these questions too.

• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Is vehicle damage repaired with OEM or aftermarket parts?
• Is assistance available after office hours?
• Do they assist clients in filing claims?
• If your car is totalled, how to they determine the replacement cost?
• Which companies can they place coverage with?
• Are claims handled at the agent’s location?
• Do they prorate repair cost based on vehicle mileage?

Shop around and save

We’ve covered a lot of tips how to reduce Pontiac G6 insurance prices online in Denver. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. You may even be surprised to find that the best prices are with the smaller companies.

The cheapest Pontiac G6 insurance in Denver can be sourced on the web and also from your neighborhood Denver agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not offer online price quotes and usually these small, regional companies sell through local independent agencies.

When searching for the cheapest Pontiac G6 rate quotes, do not reduce coverage to reduce premium. In too many instances, consumers will sacrifice full coverage only to regret that their decision to reduce coverage ended up costing them more. Your goal is to purchase plenty of coverage at the best price, not the least amount of coverage.

More tips and info about insurance can be found at these sites:

• Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
• What Insurance is Cheapest for Seniors in Denver? (FAQ)
• Who Has the Cheapest Auto Insurance for Drivers Requiring a SR22 in Denver? (FAQ)
• Who Has Cheap Car Insurance Rates for a Chevrolet Silverado in Denver? (FAQ)
• Who Has Cheap Auto Insurance for Unemployed Drivers in Denver? (FAQ)
• Things to Know Before you Cancel Insurance (Allstate)
• Driving in Bad Weather (Insurance Information Institute)
• Keeping Children Safe in Crashes Video (iihs.org)