Has it been a year or more since you last compared quotes for more affordable Pontiac G6 insurance in Jacksonville? Locating budget Jacksonville Pontiac G6 insurance quotes might seem overwhelming for people who are new to comparing rates online. Since there are so many companies competing online, how can anyone efficiently compare every insurance company to find the best available rates?
How to save money on Pontiac G6 insurance in Jacksonville
The easiest way to find the cheapest price for auto insurance rates in Jacksonville is to compare prices at least once a year from providers in Florida.
- Try to comprehend how your policy works and the changes you can make to prevent high rates. Many policy risk factors that result in higher rates like your driving record and a less-than-favorable credit rating can be rectified by paying attention to minor details. Later in this article we will cover tips to help reduce prices and find available discounts that you may qualify for.
- Request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO and Allstate, while independent agencies can provide price quotes from many different companies. Get quotes now
- Compare the quotes to the premium of your current policy to see if cheaper G6 coverage is available. If you find a lower rate and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Give notification to your current company to cancel your current policy and submit the signed application along with the required initial payment to the new company. Be sure to put the new certificate verifying coverage in an easily accessible location in your vehicle.
One important bit of advice is to compare identical deductibles and limits on each quote request and and to get rate quotes from as many companies as you can. This ensures a fair price comparison and plenty of rates choose from.
It’s easy to assume that car insurance companies want to keep you from shopping around. Drivers who do rate comparisons will presumably switch to a new company because there are good odds of finding discount prices. A recent insurance study discovered that consumers who make a habit of shopping around saved on average $3,400 over four years as compared to drivers who never shopped around for lower prices.
If finding the best rates on insurance is your ultimate target, then having a good understanding how to quote prices and compare auto insurance can save money and time.
It is always a good idea to compare premium rates yearly because insurance prices change frequently. If you had the best deal on Pontiac G6 insurance in Jacksonville last year the chances are good that you can find a lower rate today. There is a lot of bad advice regarding G6 insurance on the internet, but by reading this article, you’re going to learn some great ways to buy insurance cheaper in Jacksonville.
The method we recommend to get policy rate comparisons for Pontiac G6 insurance in Jacksonville is to realize most of the bigger providers actually pay money for the chance to quote your coverage. To start a quote, the only thing you need to do is give them some information including daily mileage, if a SR-22 is required, whether you drive to work or school, and if you went to college. That rating information is submitted instantly to multiple top-rated companies and they return cost estimate quickly.
To compare cheap Pontiac G6 insurance rates now, click here and complete the form.
The companies in the list below are our best choices to provide price quotes in Jacksonville, FL. If the list has multiple companies, it’s a good idea that you click on several of them to find the most competitive auto insurance rates.
Why do I need car insurance?
Even though it’s not necessarily cheap to insure a Pontiac in Jacksonville, car insurance is required for several reasons.
First, almost all states have minimum liability requirements which means state laws require specific limits of liability insurance coverage if you drive a vehicle. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your Pontiac G6 with a loan, most lenders will force you to have comprehensive coverage to guarantee loan repayment. If you do not keep the policy in force, the bank may buy a policy for your Pontiac at a more expensive rate and require you to fork over a much higher amount than you were paying before.
Third, car insurance preserves not only your Pontiac but also your financial assets. It will also cover all forms of medical expenses incurred in an accident. Liability coverage also covers legal expenses if you are named as a defendant in an auto accident. If your Pontiac gets damaged, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car definitely exceed the cost, specifically if you ever have a liability claim. Unknowingly, the average driver overpays more than $830 a year so compare rate quotes at every renewal to ensure rates are competitive.
Coverage statistics and figures
The price information displayed below highlights a range of insurance costs for Pontiac G6 models. Understanding how auto insurance prices are determined can aid in making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $156 | $290 | $400 | $24 | $120 | $990 | $83 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Information does not factor in specific Jacksonville garaging location which can revise coverage prices substantially.
Higher deductibles save money
When comparing insurance rates, the most common question is how high should the physical damage coverage deductibles be. The comparison tables below may help to conceptualize how much more you’ll pay between low and high coverage deductibles. The first table uses a $100 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $358 | $648 | $418 | $24 | $124 | $1,597 | $133 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $200 | $342 | $418 | $24 | $124 | $1,108 | $92 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price estimates do not factor in specific location which can lower or raise premium rates significantly.
Using the premium rates above, we can conclude that using a $100 deductible costs approximately $41 more each month or $492 for a full year across all Pontiac G6 models than buying the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average at least 22 months between claims, you would more than likely save some money if you decide on a higher deductible.
Get discounts on Jacksonville auto insurance
Auto insurance is easily one of your largest bills, but you might already qualify for some discounts that you may not even be aware of. A few discounts will be applied at quote time, but some may not be applied and must be inquired about before they will apply.
- Switch and Save Discount – Select companies give a discount for renewing your policy early. You may see this discount when you get Jacksonville car insurance quotes online.
- Anti-lock Brake Discount – Cars, trucks, and SUVs with anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
- Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 25 to 30%.
- Jacksonville Homeowners Discount – Just being a homeowner may earn you a small savings because maintaining a house is proof of financial responsibility.
- Driver Training Discounts – Successfully completing a safe driver course could possibly earn you a 5% discount and easily recoup the cost of the course.
- Seat Belt Usage – Drivers who require all occupants to use a seat belt may be able to save a few bucks off the PIP or medical payment premium.
A little disclaimer on discounts, some credits don’t apply to all coverage premiums. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount will help reduce your premiums.
The illustration below compares Pontiac G6 insurance prices with and without discounts applied to the policy rates. The premiums assume a female driver, no claims or driving citations, Florida state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, marriage, multi-policy, and claim-free discounts applied.
Companies and a selection of discounts are shown below.
- Progressive has savings for online quote discount, multi-policy, good student, online signing, and continuous coverage.
- MetLife offers premium reductions for multi-policy, defensive driver, good student, accident-free, good driver, and claim-free.
- Mercury Insurance has discounts for good driver, professional/association, good student, multi-car, age of vehicle, and annual mileage.
- Nationwide may include discounts for easy pay, Farm Bureau membership, family plan, good student, defensive driving, and business or organization.
- GEICO may offer discounts for driver training, defensive driver, membership and employees, multi-vehicle, and military active duty.
- AAA may have discounts that include good student, pay-in-full, education and occupation, anti-theft, multi-policy, good driver, and multi-car.
It’s a good idea to ask every insurance company to apply every possible discount. Savings may not be available in your state. To see a list of insurers with the best discounts in Jacksonville, click this link.
Local Jacksonville insurance agencies
Some people would prefer to talk to a local agent. An additional benefit of comparing rate quotes online is that drivers can save money and get the lowest rates and still choose a local agent. Buying from local agents is important particularly in Jacksonville.
To make it easy to find an agent, after completing this quick form, your insurance data is sent to companies in Jacksonville that can provide free Jacksonville car insurance quotes for your coverage. You won’t even need to leave your house since rate quotes are delivered instantly to you. You can find the lowest rates without requiring a lot of work. If you want to quote rates from one company in particular, you would need to navigate to their website and give them your coverage information.
If you want to use a good Jacksonville insurance agent, it’s helpful to know the different agency structures and how they can service your needs differently. Insurance agencies can be classified as either independent agents or exclusive agents depending on their employer.
Independent Agents (or Brokers)
These agents are not limited to a single company so they can write business with an assortment of companies and help determine which has the cheapest rates. If your premiums go up, your agent can just switch to a different company and you can keep the same agent.
If you are trying to find cheaper rates, you should always get several quotes from several independent insurance agents to maximize your price options. Many write coverage with less well-known companies that may provide cheaper insurance rates.
Below are Jacksonville independent insurance agencies who can help you get free insurance rate quotes.
- Brightway Insurance
8206 Philips Hwy – Jacksonville, FL 32256 – (904) 527-3029 – View Map - Rumlin Insurance Agency
5600 New Kings Rd #4 – Jacksonville, FL 32209 – (904) 770-4456 – View Map - Contemporary Affordable Insurance Agency
212 E Forsyth St – Jacksonville, FL 32202 – (904) 350-0014 – View Map
Exclusive Insurance Agencies
Agents of this type work for only one company and examples are Allstate, Farmers Insurance or State Farm. They are unable to give you multiple price quotes so they have no alternatives for high prices. Exclusive agents are highly trained on what they offer which helps them sell on service rather than price. A lot of people buy from exclusive agents mostly because of the brand name and the convenience of having a single billing for all their coverages.
Below is a short list of exclusive insurance agencies in Jacksonville who can help you get price quotes.
- Chris Bedford – State Farm Insurance Agent
3943 Baymeadows Rd #1 – Jacksonville, FL 32217 – (904) 730-4300 – View Map - Chris Nickas – State Farm Insurance Agent
9542 Argyle Forest Blvd #12 – Jacksonville, FL 32222 – (904) 854-4700 – View Map - Otis Johnson – State Farm Insurance Agent
1629 Race Track Rd Unit 104 – Jacksonville, FL 32259 – (904) 287-1523 – View Map
Picking a insurance agent is decision based upon more than just a cheap price. Here are some questions you might want to ask.
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Is there any savings for paying the full premium?
- Are all drivers listed on the coverage quote?
- Are claim adjusters local or do you have to take your car somewhere else?
- What kind of financial rating does the company have?
- What is the agency’s Better Business Bureau rating?
- How are claims handled?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
In the end, you can save money
Some insurance providers don’t offer online price quotes and most of the time these regional insurance providers work with independent agents. Cheap Pontiac G6 insurance in Jacksonville can be bought from both online companies as well as from insurance agents, and you should be comparing both in order to have the best chance of saving money.
In this article, we covered some good ideas how to reduce Pontiac G6 insurance prices online in Jacksonville. The most important thing to understand is the more providers you compare, the better likelihood of getting inexpensive Jacksonville car insurance quotes. Consumers may even find the lowest prices are with a small local company.
When getting Jacksonville car insurance quotes online, never sacrifice coverage to reduce premiums. In many instances, an insured dropped uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. The aim is to buy enough coverage at the lowest possible cost, but don’t skip important coverages to save money.
How to find more affordable Pontiac G6 insurance in Jacksonville
The recommended way to get more affordable Pontiac G6 insurance is to annually compare prices from companies that sell auto insurance in Jacksonville. You can compare rates by following these steps.
- Try to learn a little about auto insurance and the modifications you can make to prevent expensive coverage. Many things that are responsible for high rates like at-fault accidents, speeding tickets, and an unfavorable credit rating can be rectified by making minor driving habit or lifestyle changes.
- Compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or Farmers Insurance, while independent agencies can provide prices for a wide range of insurance providers.
- Compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you can save some money and buy the policy, make sure coverage is continuous and does not lapse.
- Notify your agent or company to cancel your current coverage. Submit a signed application and payment for the new coverage. As soon as you receive it, put the new proof of insurance certificate somewhere easily accessible.
A good tip to remember is that you use identical coverages on every price quote and and to compare as many companies as possible. Doing this enables a fair rate comparison and the best price selection.
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