Cheapest Quotes for Pontiac G6 Insurance in Lubbock

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Unbelievably, a large majority of drivers kept their coverage with the same auto insurance company for at least four years, and 38% of drivers have never compared rates with other companies. The average driver in the U.S. could save nearly 47% a year by just comparing quotes, but they just don't understand how much savings they would realize if they just switched companies.

Insurance quote for Pontiac G6 in LubbockTo save the most money, the best way to get budget Pontiac G6 insurance is to start doing an annual price comparison from insurance carriers in Lubbock.

Step 1: Read and learn about policy coverages and the steps you can take to prevent high rates. Many risk factors that result in higher prices such as traffic violations and an unfavorable credit rating can be controlled by making minor changes in your lifestyle. This article gives more details to help prevent high rates and find discounts that you may qualify for.

Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO and State Farm, while agents who are independent can quote prices from multiple companies. Find a Lubbock insurance agent

Step 3: Compare the new quotes to the premium of your current policy and see if you can save money. If you can save some money and decide to switch, ensure there is no coverage lapse between policies.

An essential thing to point out is to compare the same coverage limits and deductibles on each price quote and and to analyze as many companies as feasibly possible. This helps ensure an apples-to-apples comparison and maximum price selection.

To find cheaper quotes, there are a couple of ways to compare quotes from many available car insurance companies in Texas. The easiest way by far to lower the rate you pay for insurance is to use the internet to compare rates. When price shopping your coverage, comparing more rates from different companies helps locate a better price.

The companies shown below provide free rate quotes in Lubbock, TX. To locate cheap car insurance in TX, we recommend you compare several of them in order to get a fair rate comparison.

Pontiac G6 coverage statistics

The rate table shown next outlines a range of rate quotes for Pontiac G6 models. Having a good understanding how insurance policy premiums are determined can be valuable when making decisions when shopping around.

Pontiac G6 Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $230 $422 $366 $22 $110 $1,150 $96
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rate information does not factor in specific garaging location which can decrease or increase price quotes significantly.

Should you raise deductibles?

One of the most common auto insurance questions is which comprehensive and collision deductibles to buy. The following tables can help you understand the price difference between high and low policy deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Pontiac G6 insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $328 $592 $382 $22 $114 $1,463 $122
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Pontiac G6 insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $182 $312 $382 $22 $114 $1,012 $84
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Prices do not factor in garaging location in Lubbock which can increase or decrease prices noticeably.

We can derive from the above data that using a $100 deductible would cost the average driver about $38 more each month or $456 a year averaged for all G6 models than choosing the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 24 months between claim filings, you would probably come out ahead if you elect the higher deductible.

The diagram below demonstrates how deductible levels and can raise or lower Pontiac G6 yearly insurance costs for each different age category. The rate quotes are based on a married female driver, full physical damage coverage, and no policy discounts are applied.

Annual premiums for males versus females

The information below compares Pontiac G6 car insurance costs for male and female drivers. The data assumes no violations or claims, comprehensive and collision coverage, $250 deductibles, drivers are single, and no discounts are applied.

Full coverage versus liability only rates

The diagram below shows the comparison of Pontiac G6 auto insurance costs with liability coverage only compared to full coverage. The rate quotes are based on no claims or violations, $250 deductibles, drivers are single, and no discounts are taken into consideration.

When to drop comp and collision

There is no definitive guideline of when to eliminate physical damage coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let's pretend your Pontiac G6 replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $6,000 after paying your deductible. If you are paying more than $600 annually to have full coverage, then you might want to consider buying only liability coverage.

There are some circumstances where only buying liability is not advised. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.

Companies offer many discounts on Pontiac G6 insurance in Lubbock

Insuring your fleet can be pricey, but there's a good chance there are discounts that you may not know about. Certain discounts will be triggered automatically when you complete an application, but occasionally some discounts must be specially asked for prior to getting the savings.Save money with discounts

  • Student Discount for Driver Training - It's a good idea to have your young drivers successfully take a driver's education course in school or through a local driver safety program.
  • Passenger Safety Discount - Options like air bags or automatic seat belts could see savings of 20% or more.
  • Driving Data Discount - Lubbock drivers who agree to allow their company to scrutinize vehicle usage by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates as long as they are good drivers.
  • Pay Upfront and Save - If you can afford to pay the entire bill as opposed to paying monthly you can avoid the installment charge.
  • Discounts for Seat Belt Usage - Drivers who require all vehicle occupants to buckle up before driving could save 15% on the premium charged for medical payments and/or PIP.
  • Defensive Driving Course - Successfully completing a class that teaches driver safety techniques is a good idea and can lower rates and also improve your driving technique.
  • Student in College - Youth drivers who are enrolled in higher education away from home and do not have a car can be insured at a reduced rate.
  • Paperless Signup - Certain companies may give you up to $50 shop Lubbock car insurance online.

It's important to note that most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comp or med pay. Just because you may think all the discounts add up to a free policy, car insurance companies aren't that generous.

The chart below illustrates the comparison of Pontiac G6 car insurance costs with and without discounts applied. The premium estimates are based on a female driver, no claims or violations, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, claim-free, safe-driver, multi-car, and multi-policy discounts applied.

For a list of insurance companies who offer car insurance discounts in Lubbock, click here to view.

Insurance in Texas serves several purposes

Despite the high cost of buying insurance for a Pontiac G6 in Lubbock, insurance may be required and benefits you in several ways.

  • Just about all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance coverage if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you have a loan on your Pontiac, it's guaranteed your bank will have a requirement that you have physical damage coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Pontiac at a more expensive rate and make you pay the higher premium.
  • Insurance preserves not only your vehicle but also your assets. It will also reimburse you for medical expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses if you cause an accident and are sued. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.

The benefits of carrying adequate insurance are definitely more than the cost, especially if you ever need it. On average, a vehicle owner in Lubbock overpays as much as $855 a year so compare rates once a year at a minimum to ensure rates are competitive.

Local Lubbock car insurance agents and insurance

A lot of people still prefer to sit down with an agent and doing that can be a smart decision A nice benefit of comparing rates online is that you can find the lowest rates but still work with a licensed agent. And buying from local agencies is definitely important in Lubbock.

Lubbock insurance agentsAfter completing this simple form, the coverage information is sent to local insurance agents in Lubbock that can give you free Lubbock car insurance quotes for your insurance coverage. It's much easier because you don't need to visit any agencies due to the fact that quote results will go immediately to you. You can find the lowest rates AND a local agent. If for some reason you want to compare prices from a specific company, just go to their quote page and give them your coverage information.

If you are searching for an insurance agent, it's important to understand the different types of agencies and how they function. Insurance agents in Lubbock are considered either exclusive agents or independent agents.

Independent Agents

Independent agencies do not sell for just one brand and that is an advantage because they can write policies through many different insurance companies and find you cheaper rates. If your agent finds better pricing, they simply move the coverage in-house and the insured can keep the same agent. If you need lower rates, it's a good idea to include price quotes from at least one independent agent to get the best comparison. Many independent agencies also insure through less well-known companies that may provide cheaper insurance rates.

Shown below is a list of independent insurance agents in Lubbock that can possibly get you price quote information.

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Exclusive Agencies

Exclusive insurance agents can only provide one company's prices such as State Farm, Allstate, or Farmers Insurance. They are unable to shop your coverage around so they are skilled at selling on more than just price. These agents are usually quite knowledgeable in insurance sales and that enables them to sell even at higher rates. Consumers sometimes use the same agent primarily because of the prominence of the brand rather than low rates.

The following are Lubbock exclusive insurance agents willing to provide rate quotes.

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Finding the right insurance agency requires more thought than just a low price. Here are some questions you might want to ask.

  • If your car is totaled, how to they determine the replacement cost?
  • Which family members are covered?
  • How often do they review policy coverages?
  • How will an accident affect your rates?
  • Do you qualify for any additional discounts?

What auto insurance coverages do you need?

Understanding the coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for bills such as pain medications, nursing services, ambulance fees, chiropractic care and funeral costs. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the "other guys" either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle's damage.

Since a lot of drivers have only the minimum liability required by law (which is 30/60/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liability limits.

Coverage for liability

This coverage provides protection from damage or injury you incur to people or other property by causing an accident. This coverage protects you from legal claims by others. Liability doesn't cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 30/60/25 that means you have $30,000 bodily injury coverage, a per accident bodily injury limit of $60,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like legal defense fees, medical services and bail bonds. How much liability should you purchase? That is a personal decision, but it's cheap coverage so purchase as high a limit as you can afford. Texas state law requires minimum liability limits of 30/60/25 but it's recommended drivers buy better liability coverage.

The chart below shows why the minimum limit may not be high enough to adequately cover claims.

Coverage for collisions

This will pay to fix damage to your G6 resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with a tree, sustaining damage from a pot hole, rolling your car and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It's also possible to choose a higher deductible on your G6 to save money on collision insurance.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, vandalism, a tree branch falling on your vehicle and hitting a bird. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.