Save Money on Pontiac G6 Insurance in San Jose

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Insurance for Pontiac G6Wish you could get out of high-priced Pontiac G6 insurance in San Jose? Trust us when we tell you you're not the only one.

It goes without saying that insurance companies don't want you to compare rates. People who shop around will probably switch companies because they stand a good chance of finding a more affordable policy. A survey found that drivers who compared rate quotes regularly saved $850 each year compared to other drivers who don't regularly compare prices.

If saving the most money on auto insurance in San Jose is the reason for your visit, then learning about the best ways to shop for coverages can save time and make the process easier.

Online insurance companies like Progressive, GEICO and Farmers Insurance continually bombard you with ads and it is challenging if not impossible to ignore the flashy ads and do the work needed to find the best deal.

When comparing insurance rates, know that having more price comparisons helps you find the best price.

The following companies provide quotes in San Jose, CA. If multiple providers are shown, it's highly recommended you visit as many as you can in order to find the lowest rates.

Auto insurance discounts are available for cheaper rates

Some companies don't list every discount available very well, so below is a list a few of the more well known and also the lesser-known auto insurance savings. If you are not receiving all the discounts you deserve, you may be paying too high a price.Auto insurance discounts

  • Online Discount - Some of the larger companies give back up to $50 for buying your policy over the internet.
  • Defensive Driver - Completing a course teaching defensive driver skills is a good idea and can lower rates and easily recoup the cost of the course.
  • Pay Early and Save - By making one initial payment rather than spreading payments over time you can avoid the installment charge.
  • Good Driver Discounts - Safe drivers can pay as much as 50% less compared to rates paid by drivers with frequent claims.
  • Military Discounts - Being on active deployment in the military could be rewarded with lower rates.
  • Passive Restraints - Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 20% or more.

Don't be shocked that most discount credits are not given to the entire policy premium. Most cut specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, that's just not realistic.

The illustration below illustrates the comparison of Pontiac G6 insurance costs with and without discounts being applied to the rates. The premiums are based on a female driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, multi-policy, marriage, safe-driver, and homeowner discounts applied.

The best auto insurance companies and a selection of discounts are shown below.

  • State Farm may offer discounts for safe vehicle, student away at school, multiple policy, Steer Clear safe driver discount, Drive Safe & Save, and driver's education.
  • Farmers Insurance policyholders can earn discounts including good student, mature driver, homeowner, distant student, pay in full, bundle discounts, and switch companies.
  • GEICO has savings for multi-policy, emergency military deployment, anti-theft, seat belt use, daytime running lights, federal employee, and five-year accident-free.
  • American Family includes discounts for air bags, early bird, accident-free, bundled insurance, and Steer into Savings.
  • Nationwide offers discounts including multi-policy, business or organization, anti-theft, accident-free, defensive driving, and good student.
  • Progressive offers discounts for multi-vehicle, multi-policy, homeowner, continuous coverage, online signing, online quote discount, and good student.

If you want affordable San Jose auto insurance quotes, ask each insurance company which credits you are entitled to. A few discounts may not apply to policies in San Jose. If you would like to view providers with significant discounts in San Jose, follow this link.

Pontiac G6 coverage analysis

The premium table displayed below highlights different policy rates for Pontiac G6 models. Being aware of how insurance policy rates are figured can aid in making decisions on the best policy to buy.

Pontiac G6 Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $378 $708 $596 $36 $178 $1,896 $158
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in zip code location which can impact price quotes substantially.

Policy deductibles

When buying car insurance, a common question is what deductibles to buy. The data tables below show how much more you'll pay when you buy lower versus higher deductibles. The first table uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.

Pontiac G6 insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $342 $576 $442 $26 $132 $1,543 $129
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Pontiac G6 insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $278 $464 $442 $26 $132 $1,342 $112
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Table data does not factor in specific location information which can influence price quotes greatly.

Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $17 more each month or $204 annually than quoting the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 15 months between claims, you would most likely save money if you choose the higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $250 deductibles: $129
Average monthly premium for $500 deductibles (subtract): - $112
Monthly savings from raising deductible: $17
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One thing to be aware of is that raising deductibles to get cheaper rates means you will have to pay more when you have a physical damage claim. That will necessitate enough extra savings in the event you have to pay more to get your vehicle repaired.

The chart below highlights how deductible selection and can influence Pontiac G6 annual premium costs for each different age category. The data assumes a single male driver, full physical damage coverage, and no additional discounts are factored in.

Irresponsible driving raises your rates

The diagram below highlights how traffic violations and accidents can influence Pontiac G6 premium costs for different insured age categories. The price estimates are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are factored in.

Should you buy full coverage?

The information below shows the comparison of Pontiac G6 insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The information is based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no clear-cut rule to exclude physical damage insurance, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let's assume your Pontiac G6 settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $6,000 after paying the physical damage deductible. If premiums are more than $600 a year for comprehensive and collision coverage, then you might consider buying liability only.

There are some circumstances where dropping physical damage coverage is not recommended. If you still have a lienholder on your title, you are required to maintain full coverage to protect the lienholder's interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.

Compare rate quotes but work with a local San Jose insurance agent

Many drivers just want to talk to an insurance agent and that is a personal choice. An additional benefit of comparing rates online is the fact that drivers can get the best rates but also keep your business local.

Upon completion of this simple form, your insurance data is immediately sent to insurance agents in San Jose who will give competitive quotes for your insurance coverage. You don't have to contact any insurance agencies due to the fact that quote results will go directly to your email. It's the lowest rates and work with a local agent. If you need to compare prices from a specific insurance company, just search and find their rate quote page and complete a quote there.

Finding the right provider should include more criteria than just a cheap quote. Here are some questions to ask:

  • What company do they have the most business with?
  • How long have they been in business?
  • Do the agents have professional certifications like CPCU or CIC?
  • Which members of your family are coverage by the policy?
  • Are there any extra charges for paying monthly?
  • Will the company cover a rental car if your car is getting fixed?
  • Does the quote include credit and driving reports?

Different people need different auto insurance coverages

When it comes to choosing a policy, there is no one-size-fits-all type of policy. Your needs are not the same as everyone else's.Auto insurance savings

Here are some questions about coverages that might help in determining whether you might need professional guidance.

  • Should I get collision insurance on every vehicle?
  • When should I remove my kid from my policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is business property covered if stolen from my car?
  • If I use my vehicle for business use is it covered?
  • I have health insurance so do I need medical payments coverage?
  • What is UM/UIM insurance?
  • What states are considered no-fault?
  • Am I covered if my car is in a flood?

If you're not sure about those questions, you may need to chat with a licensed insurance agent. If you don't have a local agent, take a second and complete this form.

Why Smart Consumers Pay Less for Pontiac G6 Insurance

A large part of saving on car insurance is knowing the rating factors that go into determining your car insurance rates. If you understand what controls the rates you pay, this helps enable you to make changes that may result in cheaper rates. Many things are considered when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, although some other factors are not quite as obvious like where you live or how safe your car is.

  • Older drivers pay less - Teenage drivers in California are proven to be inattentive and easily distracted when driving and because of this, their car insurance rates are much higher. Older people are viewed as being more responsible, file fewer claims, and usually have better credit.

    The data below uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.

  • Insurance prices are higher for high performance vehicles - The performance level of the vehicle you drive makes a huge difference in the rate you pay. The cheapest insurance rates are for lower performance four cylinder passenger vehicles, but that's not the only thing that factors into the final price.

    The next chart is based on a single female driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It shows Pontiac G6 insurance rates compared to other models that have different performance rating factors.

  • Annual mileage impacts rates - The more you drive your Pontiac every year the more you will pay for car insurance. The majority of insurers calculate prices based on their usage. Cars and trucks that are left in the garage receive lower rates than vehicles that have high annual mileage. Double check that your vehicle rating is rated on annual mileage, because improper ratings can cost you money. A policy that improperly rates your G6 may be costing you.
  • Men tend to take more risk - Statistics show females are less aggressive when driving. That doesn't necessarily mean that women are BETTER drivers than men. Females and males cause auto accidents in similar numbers, but males have costlier accidents. Men also tend to receive more major tickets like DWI (DUI) or reckless driving. Youthful male drivers are the most expensive to insure so they pay the highest premiums.

    The information below shows the difference between Pontiac G6 car insurance rates for male and female drivers. The price estimates are based on no accidents or driving violations, full physical damage coverage, $1,000 deductibles, single status, and no additional discounts are factored in.

  • Cheaper car insurance rates for being claim-free - Car insurance companies in California provide cheaper rates to people who do not file claims often. If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Your insurance policy is intended for more catastrophic claims.
  • Your liability coverage limits - The liability coverage on your policy provides coverage in the event that a jury decides you are liable for causing damage or personal injury in an accident. Liability provides you with a defense in court to defend your case. Liability insurance is quite affordable compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Add-on coverages you don't use - Insurance policies have a lot of extra add-on coverages that you can buy on your G6 policy. Insurance for things like rental car coverage, towing coverage, and motor club memberships are examples of these. The coverages may be enticing when discussing your needs, but if they're wasting money remove them and pocket the money.
  • Insure car and home with the same company - Many car insurance companies afford lower prices to buyers that buy multiple policies in the form of a multi-policy discount. The discount can be ten or even up to twenty percent in some cases. Even if you're getting this discount it's always a smart idea to shop around to make sure you are getting the best deal.

Why you need G6 insurance in California

Despite the high cost, insurance is required in California but it also protects you in many ways.

First, almost all states have mandatory liability insurance requirements which means state laws require specific minimum amounts of liability coverage if you don't want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your vehicle has a loan, most banks will make it mandatory that you have full coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the lender will be forced to insure your Pontiac at a significantly higher premium and force you to pay a much higher amount than you were paying before.

Third, insurance protects both your Pontiac and your assets. It will also cover all forms of medical expenses incurred in an accident. Liability coverage, the one required by state law, also covers legal expenses if you are sued as the result of your driving. If your car is damaged in a storm or accident, your policy will cover the repair costs.

The benefits of carrying adequate insurance more than cancel out the cost, especially if you ever need it. According to a 2015 survey, the average American driver overpays as much as $820 a year so you should quote rates each time the policy renews to save money.

Get the best coverage at the lowest price

When you buy San Jose auto insurance online, don't be tempted to reduce needed coverages to save money. There have been many cases where an accident victim reduced uninsured motorist or liability limits 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 at a price you can afford, but don't skip important coverages to save money.

We covered quite a bit of information on how to compare Pontiac G6 insurance auto insurance rates in San Jose. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with a small mutual company.

Drivers change insurance companies for a number of reasons such as an unsatisfactory settlement offer, policy non-renewal, delays in paying claims or delays in responding to claim requests. It doesn't matter why you want to switch finding a great new company is not as hard as you think.

Steps to finding more affordable Pontiac G6 insurance in San Jose

Really, the only way to find low-cost prices for car insurance rates in San Jose is to start comparing prices regularly from insurers who provide auto insurance in California.

  • First, get a basic knowledge of car insurance and the steps you can take to keep rates low. Many things that result in higher prices such as speeding tickets, accidents and a less-than-favorable credit rating can be rectified by paying attention to minor details.
  • Second, request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive and State Farm, while agents who are independent can quote rates for many different companies.
  • Third, compare the price quotes to your existing policy and determine if cheaper G6 coverage is available in San Jose. If you find a better price and switch companies, verify that coverage does not lapse between policies.
  • Fourth, notify your current company of your intent to cancel the current policy and submit a signed application and payment to the new insurer. As soon as you receive it, place your new proof of insurance certificate in your glove compartment.

One key aspect when comparing rates is that you'll want to compare the same physical damage deductibles and liability limits on every quote request and and to compare as many different insurance providers as possible. This guarantees an accurate price comparison and the best rate selection.

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