Cheapest Quotes for Pontiac G6 Insurance in Irvine

Insurance rates Pontiac G6 in IrvineStatistics show that almost 70% of drivers have remained with the same car insurance company for a minimum of four years, and almost half have never even compared rates from other companies. Consumers in California can save nearly 35% each year, but they won’t spend time to compare rates and save money.

It takes a few minutes, but the best way to find cheaper quotes for Pontiac G6 insurance in Irvine is to begin comparing prices regularly from insurance carriers that sell auto insurance in California. This can be done by following these guidelines.

First, try to learn about how companies price auto insurance and the measures you can take to keep rates down. Many rating factors that result in higher prices such as inattentive driving and a substandard credit history can be improved by paying attention to minor details.

Second, request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like GEICO and State Farm, while independent agencies can provide prices from multiple insurance companies.

Third, compare the price quotes to your current policy premium and see if you can save money. If you can save money and decide to switch, ensure coverage does not lapse between policies.

Fourth, notify your company or agent of your intent to cancel your current auto insurance policy. Submit the required down payment along with the signed application to your new carrier. Immediately upon receiving it, place the new proof of insurance paperwork in your vehicle.

The key thing to remember is to try to compare similar coverage information on every quote and and to get rates from as many carriers as you can. This provides an accurate price comparison and the best price selection.

The easiest way to compare car insurance company rates for Pontiac G6 insurance in Irvine is to understand most of the bigger providers participate in online systems to compare their rates. All you need to do is give them rating details including the type of vehicles you drive, whether you are married, how many miles driven, and if you lease or own. That information gets sent immediately to multiple companies and they return quotes very quickly.

If you would like to compare rates now, click here then complete the form.

The following companies provide quotes in Irvine, CA. To buy the cheapest car insurance in Irvine, it’s highly recommended you click on several of them to get the best price comparison.

Pontiac G6 detailed coverage information

The table displayed next highlights different insurance premium costs for Pontiac G6 models. Being able to understand how car insurance prices are figured can be of help when making smart choices when purchasing an insurance policy.

Pontiac G6 Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $292 $570 $416 $24 $124 $1,426 $119
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in vehicle location which can increase or decrease coverage prices significantly.

Analysis of deductible levels

One frequently asked question is where to set your physical damage deductibles. The comparisons below may help to conceptualize the costs and benefits of buying low and high deductibles. The first table uses a $100 physical damage deductible and the second data table uses a $500 deductible.

Pontiac G6 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $380 $686 $442 $26 $132 $1,691 $141
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Pontiac G6 insurance rates 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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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rates do not factor in specific location which can modify premium rates greatly.

We can estimate from the data above that using a $100 deductible costs roughly $29 more each month or $348 every year averaged for all G6 models than opting for the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 14 months between claim filings, you would come out ahead if you elect the higher deductible. Below is an example of how you can do this calculation yourself.

Average monthly premium for $100 deductibles: $141
Average monthly premium for $500 deductibles (subtract): – $112
Monthly savings from raising deductible: $29
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One important note is that raising deductibles to save money means you will have to cover more of the damage yourself if you have a claim. You should have enough money in the bank in order to pay more to get your vehicle repaired.

Cautious drivers save money

The information below shows how violations and at-fault claims can drive up Pontiac G6 insurance costs for different ages of insureds. Data assumes a single female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

Does full coverage make sense?

The diagram below shows the difference between Pontiac G6 insurance premiums with and without full coverage. The costs are based on no claims or violations, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

Guidelines for dropping full coverage

There is no clear-cut rule for phasing out full coverage on your policy, but there is a general school of thought. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s say your Pontiac G6 replacement cost is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after the policy deductible has been paid. If you are paying in excess of $500 a year for your policy with full coverage, then you might want to think about dropping full coverage.

There are some situations where only buying liability is not recommended. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

What is the best car insurance coverage?

Keep in mind that when it comes to choosing your policy, there isn’t really a cookie cutter policy. Your situation is unique and your car insurance should unique, too.Higher deductibles save money
For instance, these questions may help highlight whether you would benefit from professional advice.

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

When to contact an agent

A small number of people still like to buy from a licensed agent and that is a smart decision Good agents can help you build your policy and help you file claims. An additional benefit of comparing rate quotes online is that you can find the best rates and still choose a local agent. Buying from neighborhood insurance agencies is still important in Irvine.

Insurance agents in IrvineAfter completing this simple form, your information is emailed to participating agents in Irvine who will give competitive quotes for your coverage. It’s much easier because you don’t need to even leave your home since rate quotes are delivered to the email address you provide. If you need to compare prices from a specific car insurance provider, you can always visit that company’s website and submit a quote form there.

When searching for a reliable insurance agency, it can be helpful to understand the different types of agencies and how they operate. Car insurance agents are considered either independent agents or exclusive agents depending on their employer. Both sell affordable car insurance policies, but it’s good to learn how they differ since it can impact the kind of agent you use.

Independent Agents (or Brokers)

Independent insurance agents do not work for one specific company and that is an advantage because they can write policies with any number of different companies and get you the best rates possible. If they find a cheaper price, they simply switch companies in-house and you don’t have to switch agencies.

When comparison shopping, you need to compare prices from several independent insurance agents to get the most accurate price comparison.

The following is a list of independent agents in Irvine who may provide free price quotes.

9541 Irvine Center DrIrvine, CA 92618(888) 323-7480View Map

3440 Irvine Ave # 150Newport Beach, CA 92660(949) 852-8558View Map

Sentry Insurance – Irvine
16815 Von Karman Ave #200Irvine, CA 92606(949) 930-6100View Map

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Exclusive Car Insurance Agents

Agents that choose to be exclusive normally can only provide a single company’s rates and examples are Farmers Insurance or State Farm. They usually cannot compare rates from other companies so keep that in mind. They are usually well trained on what they offer which helps them compete with independent agents.

The following is a short list of exclusive agents in Irvine that are able to give rate quotes.

4482 Barranca Pkwy #224Irvine, CA 92604(949) 552-6601View Map

20 Pacifica #1450Irvine, CA 92618(949) 387-9999View Map

14210 Culver Dr AIrvine, CA 92604(949) 559-8866View Map

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Picking an car insurance agent shouldn’t rely on just a cheap price. A good agent in Irvine will have answers to these questions.

If you receive positive responses to all your questions as well as offering an affordable quote, most likely you have located a car insurance agent that meets the criteria to provide car insurance coverage.