It’s well known that auto insurance companies don’t want policyholders to shop around. Consumers who shop for lower prices will, in all likelihood, switch companies because of the high probability of finding a policy with better rates. Remarkably, a study showed that consumers who compared rates annually saved an average of $72 a month as compared to drivers who never shopped around for lower prices.
If finding the cheapest price for auto insurance is why you’re reading this, then having an understanding of how to choose a company and compare insurance coverage can make it simple to find affordable coverage.
The best way to get cheaper Pontiac G6 insurance is to regularly compare prices from insurers who can sell car insurance in Madison.
Step 1: Get an understanding of the coverage provided by your policy and the measures you can control to keep rates down. Many rating factors that are responsible for high rates such as careless driving and poor credit history can be remedied by being financially responsible and driving safely. Continue reading for more details to help keep prices low and find more discounts that you may not know about.
Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from a single company like GEICO or Farmers Insurance, while independent agents can provide price quotes from many different companies.
Step 3: Compare the new rates to the price on your current policy and determine if cheaper G6 coverage is available in Madison. If you find a better price, make sure there is no coverage gap between policies.
Step 4: Tell your current company to cancel your existing policy and submit a down payment and signed policy application to the new company. As soon as you have the new policy, put the new certificate verifying coverage along with the vehicle’s registration papers.
A good piece of advice is to try to use the same deductibles and limits on every price quote and and to get price estimates from all possible companies. Doing this enables an apples-to-apples comparison and a complete price analysis.
If you are already insured or just want cheaper rates, take advantage of these tips to shop for the lowest rates and still get good coverage. Locating the most cost-effective insurance policy in Madison is easy if you know what you’re doing. Vehicle owners just need to use the most efficient way to shop their coverage around online from multiple companies.
The most recommended method to compare rate quotes for Pontiac G6 insurance in Madison is to know most insurance companies will pay a fee to give rate comparisons. To get started, all you need to do is provide a small amount of information such as how much school you completed, how your vehicles are used, the year, make and model of vehicles, and if your license is active. The rating information is submitted instantly to insurance carriers in your area and you receive quotes within a short period of time.
If you would like to compare rates now, click here and complete the quick form.
The companies in the list below are our best choices to provide price quotes in Madison, WI. To get cheaper auto insurance in WI, we suggest you visit as many as you can in order to get a fair rate comparison.
Three main reasons to buy car insurance
Despite the fact that car insurance is not cheap in Madison, buying car insurance is required in Wisconsin but it also protects you in many ways.
First, the majority of states have mandatory insurance requirements which means the state requires a specific level of liability insurance if you don’t want to risk a ticket. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your G6, it’s most likely the lender will force you to have physical damage coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank may buy a policy for your Pontiac at a more expensive rate and force you to pay for the expensive policy.
Third, insurance protects not only your Pontiac but also your financial assets. It also can pay for medical bills for you, any passengers, and anyone injured in an accident. Liability insurance will also pay for a defense attorney if you are sued as the result of your driving. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of carrying adequate insurance definitely exceed the cost, especially with large liability claims. Unknowingly, the average driver overpays as much as $700 annually so compare rate quotes every year to ensure rates are competitive.
Pontiac G6 insurance rate analysis
The information shown next highlights a range of insurance rates for Pontiac G6 models. Learning a little about how insurance policy rates are established is important for drivers to make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $170 | $338 | $298 | $18 | $90 | $914 | $76 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Table data does not factor in vehicle garaging location which can lower or raise premium rates considerably.
Where to set your deductibles
When buying auto insurance, a common question is what deductibles to buy. The tables below show how much more you’ll pay between high and low physical damage coverage deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $198 | $358 | $230 | $14 | $68 | $893 | $74 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $144 | $242 | $230 | $14 | $68 | $698 | $58 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Prices do not factor in specific location which can modify rates significantly.
Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $16 more each month or $192 a year than requesting the higher $500 deductible. Because you would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at least 25 months between claims, you would most likely save money if you choose a higher deductible.
The information below highlights how deductible selection and can influence Pontiac G6 insurance costs for different age categories. The data is based on a single male driver, comp and collision included, and no policy discounts are applied.
Careless driving habits raise Madison auto insurance rates
The diagram below shows how violations and fender-benders can influence Pontiac G6 insurance costs for different age groups of insureds. The premium estimates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.
These discounts can cut Pontiac G6 insurance rates
The cost of insuring your cars can be expensive, but companies offer discounts to help bring down the price. Most are applied at the time you complete a quote, but less common discounts must be inquired about before you will receive the discount. If you aren’t receiving every discount you deserve, you are just wasting money.
- Senior Citizens – If you qualify as a senior citizen, you could receive a small discount on rates.
- Payment Method – By making one initial payment rather than paying in monthly installments you can avoid monthly service charges.
- Savings for New Vehicles – Adding a new car to your policy is cheaper due to better safety requirements for newer vehicles.
- Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up before driving could cut 10% or more off PIP or medical payments premium.
- Multi-car Discount – Buying insurance for primary and secondary vehicles on the same auto insurance policy qualifies for this discount.
- Paper-free Discount – Some of the larger companies provide a small discount for buying your policy on the web.
- Discounts for Cautious Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates compared to accident prone drivers.
- Sign Early and Save – A few insurance companies allow discounts for signing up prior to the expiration date on your current G6 insurance policy. It could save around 10% when you buy Madison auto insurance online.
It’s important to understand that many deductions do not apply to the entire cost. Most only apply to individual premiums such as comp or med pay. So even though you would think all the discounts add up to a free policy, nobody gets a free ride.
The chart below shows the comparison of Pontiac G6 insurance prices with and without discounts applied to the policy rates. The premiums assume a female driver, a clean driving record, no at-fault accidents, Wisconsin state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, marriage, claim-free, and safe-driver discounts applied.
Companies that possibly offer these benefits possibly include:
When getting free Madison auto insurance quotes, it’s a good idea to each company which discounts you qualify for. Some discounts listed above may not apply to policyholders in Madison. To see a list of providers who offer discounts in Madison, click here.