Do you need a better way to compare the cheapest Pontiac G5 insurance in Seattle? When looking for lower-cost insurance, are you baffled by the number of insurance providers in your area? You have so many options that it can be a real difficult job to compare prices on Pontiac G5 insurance. Everyone knows Seattle has many things to offer, but expensive insurance can make it difficult for lots of drivers to afford enough coverage.
Inconceivable but true, most insurance customers have bought insurance from the same company for at least the last four years, and virtually 40% of consumers have never compared quotes from other companies. Many drivers in Washington could cut their rates by approximately 40% a year, but they just don’t want to do a rate comparison.
It’s a good idea to compare premium rates on a regular basis because insurance rates change quite often. Even if you got the lowest rate on Pontiac G5 insurance in Seattle at your last renewal other companies may now be cheaper. There is a lot of bad information regarding G5 insurance out there, but in just a couple of minutes you can learn some great ideas on how to lower your insurance bill.
To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. One of the best ways to do a complete rate comparison is to jump online and get quotes. When quoting car insurance, remember that making a lot of price comparisons helps increase your odds of locating a better price.
The car insurance companies shown below can provide comparison quotes in Seattle, WA. If the list has multiple companies, we recommend you visit as many as you can in order to get a fair rate comparison.
Car insurance just makes sense
Despite the potentially high cost of Pontiac G5 insurance, paying for car insurance may be mandatory for several reasons.
- Most states have mandatory insurance requirements which means you are required to carry specific minimum amounts of liability insurance in order to drive the car. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your G5 has a loan, it’s guaranteed your bank will force you to have full coverage to guarantee payment of the loan. If coverage lapses or is canceled, the bank will be required to insure your Pontiac at an extremely high rate and require you to fork over for it.
- Insurance protects your Pontiac and your assets. Insurance will also pay for medical transport and hospital expenses that are the result of an accident. Liability insurance also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If you have damage to your Pontiac as the result of the weather or an accident, your car insurance policy will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance definitely exceed the price paid, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $810 a year so you should quote rates once a year at a minimum to make sure the price is not too high.
Insurance policy discounts for Pontiac G5 insurance in Seattle
Companies offering auto insurance do not list all their discounts in a way that’s easy to find, so the list below details some of the more common and the more hidden discounts that may be available. If you’re not getting every credit possible, you are paying more than you should be.
- Telematics Data Discounts – People who choose to allow data collection to scrutinize when and where they use their vehicle by using a telematic data system such as Progressive’s Snapshot could possibly reduce rates if they have good driving habits.
- Military Discounts – Being on active deployment in the military could mean lower insurance rates.
- New Car Discount – Adding a new car to your policy may earn a small discount since new vehicles have better safety ratings.
- Discount for Multiple Policies – If you can bundle your homeowners and auto insurance with the same company you could save approximately 10% to 15%.
- Waiver for an Accident – Not really a discount, but certain companies will let one accident slide before they charge you more for coverage as long as you don’t have any claims for a specific time period.
- Cautious Driver Discount – Insureds who avoid accidents can get discounts for up to 45% lower rates than their less cautious counterparts.
- College Student Discount – College-age children who are enrolled in a college that is more than 100 miles from Seattle and do not have a car can be insured at a reduced rate.
- Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings of up to 25% or more.
- Claim-Free Discount – Drivers who don’t have accidents pay less compared to bad drivers.
- Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and can earn a small discount on your policy.
You can save money using discounts, but most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like you could get a free insurance policy, it doesn’t quite work that way. Any amount of discount will positively reduce your overall premium however.
Large insurance companies and some of the discounts are outlined below.
- Farmers Insurance has discounts for distant student, switch companies, alternative fuel, multi-car, early shopping, and business and professional.
- State Farm has savings for student away at school, anti-theft, Drive Safe & Save, accident-free, and good student.
- Liberty Mutual discounts include new graduate, newly married, newly retired, multi-policy, safety features, new move discount, and new vehicle discount.
- MetLife offers discounts for good student, defensive driver, claim-free, good driver, and multi-policy.
- Progressive includes discounts for online quote discount, online signing, good student, multi-policy, homeowner, and multi-vehicle.
Before buying, ask each insurance company which discounts they offer. Some discounts may not apply to policies in your area. To see a list of companies who offer online Pontiac G5 insurance quotes in Seattle, click here.
Local Seattle insurance agencies and insurance
Many drivers prefer to buy from a local agent and we recommend doing that One of the benefits of comparing rate quotes online is the fact that drivers can get cheap rate quotes but still work with a licensed agent. Buying insurance from local agencies is important especially in Seattle.
After completing this short form, your information is sent to local insurance agents who want to provide quotes to get your business. There is no reason to leave your house as quotes are delivered to you. You can find lower rates and a licensed agent to talk to. If you wish to quote rates for a specific company, don’t hesitate to jump over to their website and fill out the quote form the provide.
Seattle car insurance agents come in two flavors
If you prefer to buy insurance from a reputable agency, it’s helpful to know the types of agencies and how they differ in how they quote coverages. Agents can be categorized as either independent or exclusive depending on the company they work for.
Independent Insurance Agencies
These agents are not limited to a single company so they have the ability to put coverage amongst many companies and find you cheaper rates. If your premiums go up, they simply switch companies in-house and you don’t have to switch agencies.
When comparison shopping, we recommend you check rates from at least one independent agent in order to have the best price comparison. Most independent agents also contract with smaller mutual companies that can offer cheaper rates than bigger companies.
The following are Seattle independent insurance agencies who may provide free insurance quotes.
- Spangler Insurance
431 15th Ave E – Seattle, WA 98112 – (206) 329-7447 – View Map
- Adams Insurance
8613 35th Ave NE – Seattle, WA 98115 – (206) 523-8660 – View Map
- BGI Agency Network Inc
4634 E Marginal Way S C 140 – Seattle, WA 98134 – (206) 682-9990 – View Map
Exclusive Insurance Agents
Agents of this type can only write with one company and examples are American Family, State Farm, and Allstate. They are unable to place coverage with different providers so keep that in mind. They are usually quite knowledgeable on sales techniques which helps them sell on service rather than price. Consumers sometimes buy from exclusive agents mainly due to the brand legacy and solid financial strength.
Shown below is a list of exclusive insurance agents in Seattle willing to provide rate quotes.
- Charles Cohen – State Farm Insurance Agent
9750 Greenwood Ave N #104 – Seattle, WA 98103 – (206) 784-5151 – View Map
- David Lo – State Farm Insurance Agent
12705 Renton Ave S – Seattle, WA 98178 – (206) 772-3388 – View Map
- Jeffrey Taylor – State Farm Insurance Agent
4850 Rainier Ave S – Seattle, WA 98118 – (206) 725-8008 – View Map
Picking an insurance agent should depend on more than just a low price. These are some questions your agent should answer.
- Will one accident increase rates?
- What insurance companies do they work with in Seattle?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Are aftermarket or OEM parts used to repair vehicles?
- Does the agency provide any after hours assistance?
After you get acceptable answers to all your questions as well as a affordable price, you may have found an insurance agent that is reliable enough to service your policy. Just be aware that consumers can cancel your policy whenever you choose to so don’t feel that you are obligated to any particular company with no way out.
What insurance coverages do I need?
Keep in mind that when it comes to choosing the best auto insurance coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.
For example, these questions can aid in determining whether you might need an agent’s assistance.
- When would I need additional glass coverage?
- Do I pay less for low miles?
- What does UM/UIM cover?
- Does my Pontiac G5 need full coverage?
- How high should my medical payments coverage be?
- Does rental coverage apply when I am renting a car?
- How much coverage applies to personal belongings?
- Is my camper covered for physical damage?
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.
Coverages available on your car insurance policy
Having a good grasp of your policy aids in choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.
Coverage for liability
This coverage can cover damage that occurs to a person or their property. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/10 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $10,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.
Liability insurance covers claims like medical services, bail bonds, structural damage, legal defense fees and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford. Washington state minimum liability requirements are 25/50/10 but drivers should carry higher limits.
Comprehensive car insurance
Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for claims like rock chips in glass, hitting a bird, hail damage, damage from getting keyed and falling objects. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Collision coverage protection
Collision insurance pays for damage to your G5 resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like rolling your car, colliding with a tree and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible on your G5 to save money on collision insurance.
Coverage for medical expenses
Coverage for medical payments and/or PIP kick in for immediate expenses such as doctor visits, nursing services, EMT expenses and pain medications. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Coverage for uninsured or underinsured drivers
This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Pontiac G5.
Because many people only carry the minimum required liability limits (which is 25/50/10), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.
While you’re price shopping online, you should never buy poor coverage just to save money. There have been many situations where drivers have reduced collision coverage only to discover later that the small savings ended up costing them much more. Your aim should be to purchase a proper amount of coverage for the lowest price.
Lower-priced insurance in Seattle can be purchased from both online companies and from local insurance agents, so you should compare both to have the best selection. Some companies don’t offer rate quotes online and most of the time these smaller providers only sell coverage through independent agencies.
People who switch companies do it for any number of reasons including not issuing a premium refund, policy non-renewal, lack of trust in their agent and policy cancellation. It doesn’t matter what your reason, finding a new company is not as difficult as it may seem.
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