Compare Pontiac G6 Insurance Rate Quotes in Seattle

Insurance for Pontiac G6Saving money on Pontiac G6 insurance in Seattle is slightly frustrating for people new to online insurance quotes. With so many options of companies competing online, it can easily become a burden to find the best price in Washington on Pontiac G6 insurance.

Remarkably, a study showed that the majority of drivers have bought car insurance from the same company for at least the last four years, and approximately 38% of consumers have never compared car insurance rates at all. Many consumers in Seattle could save almost $430 a year just by getting comparison quotes, but most undervalue the large savings they would see if they swap their current policy for a cheaper one.

It is always a good idea to quote other rates every six months because insurance prices are usually higher with each renewal. If you had the lowest rates on Pontiac G6 insurance in Seattle a couple years back you can probably find a better rate quote now. Block out anything you think you know about car insurance because you’re going to get a crash course in one of the best ways to save on car insurance.

Low-cost companies for Pontiac G6 insurance

The following companies are ready to provide free quotes in Seattle, WA. If several companies are displayed, it’s a good idea that you visit several of them to get the best price comparison.

Pontiac G6 Insurance Rates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $136 $272 $384 $22 $114 $928 $77
Get Your Own Custom Quote Go

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate information does not factor in garaging location in Seattle which can revise premium rates significantly.

Irresponsible driving raises your rates

The chart below shows how traffic citations and at-fault accidents can drive up Pontiac G6 car insurance rates for each age group. The price estimates are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

Physical damage deductible comparison

One of the more difficult decisions when buying car insurance is how high should your deductibles be. The following tables summarize the costs and benefits between high and low insurance deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second price grid uses a $1,000 deductible.

Pontiac G6 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $228 $384 $294 $18 $88 $1,037 $86
Get Your Own Custom Quote Go

Pontiac G6 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $140 $242 $294 $18 $88 $782 $65
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Price estimates do not factor in specific garaging location which can raise or lower prices significantly.

Based on the figures above, using a $250 deductible costs approximately $21 more each month or $252 each year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 36 months between claim filings, you would most likely save money if you opt for a higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $250 deductibles: $86
Average monthly premium for $1,000 deductibles (subtract): – $65
Monthly savings from raising deductible: $21
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 36 months

An important sidenote is that raising deductibles results in a higher out-of-pocket expense when you have to file a claim. You will want to have enough money stashed away in order to pay more to get your vehicle repaired.

Seattle insurance discounts for a Pontiac G6

Some insurance providers don’t necessarily list all discounts in a way that’s easy to find, so the following is a list of both the well known and the harder-to-find credits available to lower your premiums when you buy Seattle auto insurance online.Discount insurance

You can save money using discounts, but some of the credits will not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it appears you can get free auto insurance, that’s just not realistic.

A partial list of companies that have many of the previously listed discounts possibly include:

If you are trying to find the cheapest Pontiac G6 rate quotes, ask every insurance company to give you their best rates. Savings may not apply in Seattle.

Save Money with These Tips

It’s important that you understand some of the factors that are used to determine the rates you pay for insurance. If you have some idea of what controls the rates you pay, this enables informed choices that could result in lower premium levels. Lots of factors are part of the equation when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, but other factors are not quite as obvious like your vehicle usage or your commute time.

The factors shown below are a few of the things that factor into your premiums.

Stay claim-free and reduce prices – Companies in Washington provide lower rates to insureds who only file infrequent claims. If you are the type of insured that files lots of claims you can look forward to either policy cancellation or increased premiums. Your car insurance is meant to be used in the event of more catastrophic claims.

Fast cars cost more to insure – The performance of the car you need insurance for makes a big difference in your auto insurance rates. The lowest premiums are usually for lower performance four cylinder passenger models, but that’s not the only thing that factors into the final price. Due to the fact that the Pontiac G6 is considered a sedan, insuring your vehicle will cost about the same as compared to the average rate in Seattle.

Do you qualify for a multi-policy discount? – Lots of insurance companies will give a discount to buyers that buy multiple policies in the form of a multi-policy discount. Even if you qualify for this discount already, you still need to shop around to make sure you are getting the best deal. Drivers may still find better rates by buying insurance from more than one company.

Traffic violations increase rates – Whether or not you get tickets has a huge affect on how much you pay. Attentive drivers have lower premiums than bad drivers. Having a single driving citation can bump up the cost by twenty percent. Drivers who get severe citations like DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent their license from being revoked.

More traffic means higher claims – Living in smaller towns and rural areas of the country is a good thing when trying to find low car insurance rates. People who live in big cities tend to have more road rage incidents and more severe claims. Less people means less chance of accidents in addition to fewer liability claims.

When should I talk to a local insurance agent?

Many drivers just want to buy from a local agent and doing so can bring peace of mind The best thing about comparing rate quotes online is that drivers can save money and get lower rates and still have an agent to talk to.

Insurance agents in SeattleUpon completion of this short form, your insurance data is instantly submitted to companies in Seattle who will give you bids for your business. You won’t even need to drive around since rate quotes are delivered to you. It’s the lowest rates and an insurance agent to talk to. If you have a need to quote rates from a particular provider, you can always search and find their rate quote page and fill out the quote form the provide.

Finding a good company should include more criteria than just a cheap quote. These questions are important to ask:

The following are agents in Seattle that are able to give comparison quotes for Pontiac G6 insurance in Seattle.

More Seattle agents

Quote more and you will save more

As you go through the steps to switch your coverage, make sure you don’t skimp on coverage in order to save money. There are too many instances where an insured cut liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy a smart amount of coverage at an affordable rate, but do not skimp to save money.

You just learned many ideas to shop for Pontiac G6 insurance online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding cheaper Seattle auto insurance quotes. Drivers may even discover the lowest rates come from a small local company.

Cheap Pontiac G6 insurance in Seattle can be found on the web and also from your neighborhood Seattle agents, and you need to comparison shop both to have the best rate selection. Some car insurance companies may not offer online rate quotes and many times these regional insurance providers prefer to sell through independent agencies.

Other learning opportunities