How to Insure your Pontiac G8 on a Tight Budget
If buying car insurance was fun, we'd do it as a recreational sport. But most likely we pay more than we want to and don't really enjoy the buying process. Finding good insurance for your Pontiac G8 probably leaves you feeling the same way.
Step One: Insurance Quotes
If you haven't shopped for car insurance for awhile you might remember the days when the only option was to visit a local insurance agent. Now that we have the internet, shopping for car insurance online is a snap!
The first step to finding lower Pontiac G8 rates is to get quotes from all the major car insurance companies. This is fast and easy and only requires you to complete one form.
To begin, click on the link below and complete the short form. It only takes a few minutes and it's helpful to have your current policy handy if you have one.
Quote Tip! In order to accurately compare rates for your G8, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: How to Lower your G8 Insurance Premium
Once you have quotes in hand, you can then consider some of the other techniques for lowering your G8 insurance rates.
- If you belong to a professional organization for your employment, you may qualify for a discount rate. And if you're a senior citizen, you may get a discount for your age as well.
- A deductible is the amount you pay before your company pays a comprehensive or collision claim. If you increase your deductibles, you will pay less for these coverages.
- If you're a young driver, you will pay more to insure a G8. There isn't anything you can do about your age, but rates will drop as you mature.
- Speeding not only costs you a fine, a single ticket will raise your car insurance rates for up to three years. Slow down and be a safe driver and you'll pay lower rates.
- Safety features such as passive restraints and air bag systems help reduce injuries in and accident, and car insurance companies will charge lower rates if these features are present.
- Smaller claims that hardly exceed your deductible are better off not being filed with your insurance company. Policyholders with no claims enjoy lower rates than those who frequently file claims.
- Auto theft is a big problem that costs us all money, but if your car is on the list of the most frequently stolen autos, you might be paying a little extra because of the temptation to thieves.
- If you have a high credit score, you will be rewarded with lower insurance rates. Conversely, if your credit rating is on the low site, your rates will be higher.
- Having recently completed a class in driver's safety could earn you a discount of 5% to 10%. Check with your insurance company to see if they offer that credit.
- When buying a new policy, you do not want a gap in coverage. This lapse is viewed by insurance companies as a high risk, and you will pay more for your next policy.
- Most insurance companies will give you a discount on your car insurance if you also own a home. Some go even farther and give you discounts if you package your homeowners and auto insurance with them.
Step Three: Buy the Best Policy
Choosing a new car insurance company is not easy. But hopefully you have a handful of quotes for your G8 that will give you a good idea of how much it will cost, as well as some idea of any coverage changes you may want to make.
Make sure to avoid any lapse in coverage by setting the new policy's effective date to be the same date you cancel your old policy. Otherwise you could be driving without any coverage.
Coverage will extend from your current policy if you're buying a Pontiac G8, but if you don't have a policy, you will need to make sure you have coverage in place before you drive it off the dealership lot. Coverage that extends from an existing policy is only as good as your current coverage. So if you don't carry full coverage on any vehicles, you won't have it on your new G8.
Upon completion of buying your policy, you need to print out the financial responsibility card that must be kept in your vehicle at all times. Replace any old cards and promptly replace expired cards. If you have received a DUI, reckless driving citation or caused an accident without insurance, you may be required to file an SR-22 with your state DMV. Make sure your new company is aware of the SR-22 filing requirement.
To do more research on car insurance, visit the Insurance Information Institute website.
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