Pontiac G6 Insurance Quotes in Cincinnati

Unimaginable but true, over 70% of drivers have purchased from the same company for more than four years, and virtually 40% of consumers have never quoted auto insurance rates at all. Most drivers in Cincinnati could save nearly $729 a year, but most just don’t grasp the big savings they would realize if they moved their coverage to a different company.

If you want to find the absolute lowest rates, then the best way to find better pricing on Pontiac G6 insurance is to start comparing prices yearly from companies in Cincinnati. Drivers can shop around by following these guidelines.

First, take a few minutes and learn about individual coverages and the changes you can make to keep rates down. Many factors that are responsible for high rates like traffic violations and an imperfect credit history can be rectified by making minor changes to your lifestyle. Read the full article for more details to get better rates and find missing discounts.

Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like GEICO or Allstate, while independent agencies can provide prices from many different companies.

Third, compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you can save some money and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.

A good tip to remember is to use similar deductibles and liability limits on each price quote and and to get price quotes from as many different companies as possible. This guarantees a level playing field and the best rate selection.

This information will teach you a little about the most effective ways to compare rates and also pocket some savings If you have coverage now, you will surely be able to shop for the lowest rates using the tips covered below. But Ohio car owners do need to understand the methods companies use to price insurance differently because it varies considerably.

The are a couple different ways of comparing rate quotes from different companies. The easiest way by far to find the cheapest Pontiac G6 insurance rates is to perform an online rate comparison.

When quoting auto insurance, remember that comparing more quotes helps increase your odds of locating lower pricing.

The companies shown below provide free quotes in Cincinnati, OH. If multiple companies are listed, it’s highly recommended you get rate quotes from several of them in order to get a fair rate comparison.

Discounts mean cheaper rates for Pontiac G6 insurance in Cincinnati

Some providers don’t list all their discounts in an easy-to-find place, so the below list has some of the more common and the harder-to-find car insurance savings.

• Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
• Sign Early and Save – Some insurance companies reward drivers for buying a new policy before your current coverage expires. It could save around 10% when you buy Cincinnati auto insurance online.
• Claim Free – Claim-free drivers get the best car insurance rates as compared to bad drivers.
• Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
• One Accident Forgiven – This isn’t a discount exactly, but some companies like Allstate, Progressive, and GEICO permit an accident without getting socked with a rate hike so long as you are claim-free for a certain period of time.
• E-sign Discounts – Some of the larger companies will give a small break simply for signing on your computer.
• Multi-car Discount – Buying insurance for multiple cars or trucks with the same car insurance company can get a discount for every vehicle.
• Discount for Passive Restraints – Factory air bags may earn rate discounts of 20 to 30 percent.

Consumers should know that some credits don’t apply to your bottom line cost. Some only reduce specific coverage prices like comp or med pay. Despite the fact that it seems like you could get a free car insurance policy, nobody gets a free ride.

The illustration below shows the difference between Pontiac G6 insurance rates with and without discounts. Data assumes a male driver, no driving violations, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, claim-free, safe-driver, multi-car, and marriage discounts applied.

Some of the insurance companies that may offer quotes with some of the discounts shown above may include but are not limited to:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• GEICO

If you are trying to find affordable Pontiac G6 insurance quotes, ask each company or agent to apply every possible discount. A few discounts might not be offered everywhere. To see car insurance companies that offer the discounts shown above in Ohio, click here.

Pontiac G6 insurance analysis

The rate table shown below highlights different insurance rates for Pontiac G6 models. Having a good grasp of how rate quotes are figured can benefit drivers when making smart choices when buying a car insurance policy.

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can raise or lower price quotes substantially.

Deductible analysis

One of the hardest decisions when shopping for insurance is which comprehensive and collision deductibles to buy. The premium rates below may help to conceptualize the premium difference when you buy lower versus higher physical damage deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second rate chart uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can change premium rates significantly.

We can derive from the above data that using a $250 deductible will cost in the ballpark of $10 more each month or $120 annually than choosing the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally go at least 25 months between claim filings, you would more than likely save some money if you choose the higher deductible. Here’s how this determination is made.

The example below illustrates how choosing a deductible and can affect Pontiac G6 insurance costs for different age categories. The premiums are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

Cost comparison with and without full coverage

The illustration below illustrates the difference between Pontiac G6 car insurance costs with and without physical damage coverage. The costs are based on no accidents or driving violations, $250 deductibles, single marital status, and no discounts are factored in.

Should you buy full coverage or liability only?

There is no set guideline of when to drop physical damage coverage, but there is a general school of thought. If the annual cost of coverage is about 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s assume your Pontiac G6 claim settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $6,000 after paying the physical damage deductible. If you are paying in excess of $600 annually for full coverage, then it might be time to buy liability only.

There are a few situations where only buying liability is not financially feasible. If you still have a lienholder on your title, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not eliminate full coverage.

What Determines Pontiac G6 Insurance Rates?

Multiple criteria are used in the calculation when you get your auto insurance bill. Some are pretty understandable such as traffic violations, but some are not as apparent such as your credit history and annual miles driven.

Listed below are some of the items car insurance companies consider when setting premiums.

• Prevent theft and save – Selecting a car model with an alarm system can help bring down rates. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent your car from being stolen.

• Insurance premiums are higher for high performance vehicles – The performance of the car or truck you need to insure makes a big difference in your rates. Lower cost passenger cars normally have pretty low rates, but there are many factors that impact the final cost.

  The data below is based on a married female driver age 30, full coverage with $500 deductibles, and no discounts or violations. It compares Pontiac G6 insurance rates compared to other models of vehicles that have different performance rating factors.

• Men pay higher rates – Statistics have proven females are less aggressive when driving. However, this does not mean men are worse drivers. Males and females cause fender benders at about the same rate, but males have costlier accidents. Not only are claims higher, but men have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 are the most expensive to insure so it costs more to insure them.

  The information below shows the comparison of Pontiac G6 insurance prices for male and female drivers. The price estimates are based on no violations or claims, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no discounts are factored in.

• Decrease prices by maintaining coverage – Letting your insurance expire can be a fast way to increase your rates. And not only will your rates increase, being ticketed for driving with no insurance may result in fines and jail time. You may have to prove you have insurance by filing a SR-22 with the Ohio department of motor vehicles.
• Having a spouse brings a discount – Being married actually saves money on your car insurance policy. Marriage translates into being more financially stable and insurance companies reward insureds because being married results in fewer claims.
• High coverage deductibles cost less – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. Some examples of claims that would be covered would be collision with another vehicle, vandalism, and windstorm damage. Comp and collision deductibles define how much you are required to spend out-of-pocket in the event of a claim. The more the insured has to pay upfront, the less money you will pay for car insurance.
• Urban areas may pay more – Choosing to live in less populated areas has definite advantages when buying car insurance. Fewer drivers means reduced accidents as well as less vandalism and auto theft. City drivers regularly have more road rage incidents and more severe claims. More time commuting means a statistically higher chance of an accident.

• Avoid tickets and save – Being a careful driver has a huge affect on how much you pay. Having a single speeding ticket may increase your cost to the point where it’s not affordable. Attentive drivers have lower premiums than people who have multiple driving citations. People who have license-revoking citations such as DUI or willful reckless driving may face state-mandated requirements to maintain a SR-22 with their state in order to prevent their license from being revoked.

  The illustration below illustrates how speeding tickets and accidents influence Pontiac G6 premium costs for different insured age categories. The price estimates are based on a married female driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

What if I want to buy from local Cincinnati auto insurance agents?

A lot of people would rather visit with an insurance agent and that can be a smart move One of the best bonuses of price shopping on the web is that you can obtain the lowest rates and still buy from a local agent. And supporting local insurance agencies is definitely important in Cincinnati.

After filling out this simple form, your information is submitted to local insurance agents in Cincinnati that provide free Cincinnati auto insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to do any legwork since rate quotes are delivered to you directly. You can get cheaper car insurance rates and work with a local agent. In the event you want to quote rates from a specific company, you can always navigate to their website to submit a rate quote request.

If you are wanting to purchase car insurance from a reputable insurance agent or broker, there are two different types of agents and how they can write your policy. Agents in Cincinnati are categorized either exclusive or independent.

Independent Car Insurance Agencies

Agents that choose to be independent are not employed by one company and that enables them to quote your coverage through many different car insurance companies and find you cheaper rates. If your agent finds better pricing, they simply switch companies in-house and that require little work on your part. If you need cheaper car insurance rates, you definitely need to get several quotes from at least one independent agent to get the best comparison. Many independent agencies also insure through companies that do not advertise much which can save you money.

The following is a small list of independent agencies in Cincinnati that can possibly get you free car insurance rate quotes.

• Brodbeck Porter Ins Agency
  1080 Nimitzview Dr #301 – Cincinnati, OH 45230 – (513) 624-0900 – View Map
• Burkhart Insurance Agency
  4291 Foley Rd – Cincinnati, OH 45238 – (513) 244-2500 – View Map
• Globe Insurance
  2619 Erie Ave – Cincinnati, OH 45208 – (513) 871-3330 – View Map

View more Cincinnati agents

Exclusive Car Insurance Agencies

These agents are contracted to one company and examples are Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents are unable to compare other company’s rates so always compare other rates. Exclusive insurance agents are usually well trained on the products they sell which helps them sell on service rather than price. Some insured continue to buy insurance from these agents partially due to loyalty to the company and the convenience of having all coverages with one company.

Below is a list of exclusive agents in Cincinnati willing to provide rate quotes.

• Deatria Walker – State Farm Insurance Agent
  3252 N Bend Rd – Cincinnati, OH 45239 – (513) 661-0400 – View Map
• GEICO Insurance Agent
  4081 E Galbraith Rd #1b – Cincinnati, OH 45236 – (513) 794-3426 – View Map
• Chuck Detmering – State Farm Insurance Agent
  2638 Kipling Ave – Cincinnati, OH 45239 – (513) 741-4500 – View Map

View more Cincinnati agents

Choosing the best insurance agent requires more thought than just a cheap quote. Below are some questions you should ask.

• Are they paid to recommend certain coverages?
• Is every driver in your family covered?
• Is the agency covered by Errors and Omissions coverage?
• Which companies can they place coverage with?
• Can you get a list of referrals?

How do I know if I need professional advice?

When buying adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Each situation is unique.

For instance, these questions can aid in determining if you may require specific advice.

• Should I drop comprehensive coverage on older vehicles?
• Can I afford to buy a different vehicle if my Pontiac G6 is totaled?
• Does my policy cover my teen driver if they drive my company car?
• When should I remove comp and collision on my Pontiac G6?
• Do I need added coverage for expensive stereo equipment?
• How much underlying liability do I need for an umbrella policy?
• Am I missing any policy discounts?
• Are all vehicle passengers covered by medical payments coverage?
• What is medical payments coverage?

If it’s difficult to answer those questions, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form.

Persistence pays off

People leave their current company for many reasons like delays in paying claims, extreme rates for teen drivers, poor customer service or not issuing a premium refund. It doesn’t matter why you want to switch finding a new auto insurance company is actually quite simple.

Cheaper Pontiac G6 insurance in Cincinnati can be sourced from both online companies in addition to many Cincinnati insurance agents, so get free Cincinnati auto insurance quotes from both of them so you have a total pricing picture. Some auto insurance companies may not offer rates over the internet and usually these small insurance companies sell through local independent agents.

We covered a lot of techniques to save on Pontiac G6 insurance in Cincinnati. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Drivers may even discover the lowest priced auto insurance comes from an unexpected company.

More information can be read below:

• Credit Impacts Car Insurance Rates (State Farm)
• Who Has Cheap Cincinnati Auto Insurance for 17 Year Olds? (FAQ)
• What Insurance is Cheapest for a Jeep Wrangler in Cincinnati? (FAQ)
• Senior Drivers (Insurance Information Institute)
• Vehicle Size and Weight FAQ (iihs.org)