Cheap Pontiac G6 Insurance in Colorado Springs

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Want to know how to find cheaper auto insurance rates in Colorado Springs, CO? Colorado Springs drivers have many options when trying to find the lowest priced Pontiac G6 insurance. They can either spend hours struggling with agents trying to get quotes or utilize the internet to find the lowest rates.

There are both good and bad ways to buy auto insurance and you need to know the best way to quote coverages for your Pontiac and obtain the lowest price either online or from Colorado Springs insurance agents.

Insurance quote for Pontiac G6 in Colorado SpringsSadly, nearly 70% of consumers renewed their policy with the same company for more than four years, and about 40% of consumers have never compared rates from other carriers. American consumers can cut their rates by nearly $859 a year just by comparing rates, but most undervalue how much they could save if they just switched companies.

It's a good habit to compare rates yearly because prices are variable and change quite frequently. If you had the lowest price on Pontiac G6 insurance in Colorado Springs a few years ago other companies may now be cheaper. Forget all the misinformation about auto insurance because you're going to learn the quickest way to save money, get proper coverage and the best rates.

The purpose of this post is to tell you the most effective ways to compare rates and some tricks to saving. If you have a current auto insurance policy, you should be able to find the best rates using this strategy. Drivers just have to learn the quickest way to shop on the web.

Finding low cost Colorado Springs car insurance rates is not a difficult process. Drivers just need to take time to compare rates from different insurance companies.

The providers in the list below can provide price quotes in Colorado. If multiple companies are listed, we suggest you click on several of them to find the cheapest car insurance rates.

Colorado Springs insurance discounts for a Pontiac G6

Some insurers don't list their entire list of discounts very well, so we break down some of the more common and also the more inconspicuous credits that may apply to you.Cheaper insurance with discounts

  • Federal Government Employee - Employees or retirees of the government could cut as much as 10% off with a few insurance companies.
  • Low Mileage - Low annual miles could earn slightly better insurance rates than normal.
  • Renewal Discounts - A few insurance companies give discounts for switching companies prior to your current G6 insurance policy expiring. It could save around 10% when you buy Colorado Springs auto insurance online.
  • Senior Citizen Rates - If you qualify as a senior citizen, you are able to get a small discount on rates.
  • Own a Home - Owning your own home or condo may trigger a policy discount on insurance because owning a home requires a higher level of personal finance.
  • Online Discount - Some larger companies will give you a small discount just for signing your application over the internet.

A quick disclaimer, most discounts do not apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though you would think you can get free auto insurance, it doesn't quite work that way.

The example below shows the comparison of Pontiac G6 insurance premiums with and without discounts applied to the rates. The price estimates are based on a female driver, no driving violations, no at-fault accidents, Colorado state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, safe-driver, homeowner, and multi-policy discounts applied.

If you would like to see a list of insurers that have a full spectrum of discounts in Colorado, follow this link.

Insurance coverage analysis

The premium table shown below covers detailed analysis of policy rates for Pontiac G6 models. Understanding how rates are formulated can help guide drivers when making smart choices when choosing a car insurance company.

Pontiac G6 Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $302 $546 $352 $20 $106 $1,326 $111
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Information does not factor in vehicle garaging location which can lower or raise auto insurance rates noticeably.

Physical damage deductibles

One of the more difficult decisions when buying auto insurance is where should you set your physical damage deductibles. The comparisons below can help show how much more you'll pay when you select higher and lower comp and collision deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second pricing table uses a $1,000 deductible.

Pontiac G6 insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $272 $458 $352 $20 $106 $1,233 $103
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Pontiac G6 insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $168 $288 $352 $20 $106 $934 $78
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in vehicle garaging location which can lower or raise price quotes considerably.

Using the data above, we can ascertain that using a $250 deductible costs an average of $25 more each month or $300 each year across all Pontiac G6 models than opting for the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 30 months between claim filings, you would probably come out ahead by going with a higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $103
Average monthly premium for $1,000 deductibles (subtract): - $78
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

One important issue to know is that increasing deductibles to lower your rates results in more money out-of-pocket when you have a comprehensive or collision claim. You should have enough disposable savings in order to pay the deductible.

The illustration below illustrates how your choice of deductibles and can change Pontiac G6 premium costs for each age group. The data assumes a single male driver, comp and collision included, and no discounts are applied.

Buy More Affordable Insurance with These Tips

It's important that you understand the rating factors that help determine the level of your policy premiums. When you understand what determines premiums, this allows you to make educated decisions that could result in much lower annual insurance costs. Multiple criteria are used when quoting car insurance. Some of the criteria are obvious like your driving record, although some other factors are less apparent like your continuous coverage or your vehicle rating.

  • Safer cars cost less to insure - Safe vehicles cost less to insure. Vehicles built for safety result in less severe injuries and lower injury rates means your insurance company pays less and cheaper rates on your policy.
  • Which gender costs less? - Over the last 30 years, statistics show that females take fewer risks when driving. That doesn't necessarily mean that women are BETTER drivers than men. Both genders tend to get into at-fault accidents at a similar rate, but the male of the species cause more damage. Men also tend to get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.

    The example below shows the difference between Pontiac G6 car insurance rates for male and female drivers. The data assumes no accidents or driving violations, full coverage, $1,000 deductibles, single status, and no additional discounts are factored in.

  • Improve your credit score and save - A driver's credit history will be a significant factor in your rate calculation. People with excellent credit tend to be better risks to insure as compared to drivers with worse credit. If your credit is low, you could potentially save money when insuring your Pontiac G6 by repairing your credit.
  • Rental and towing coverage may not be needed - There are a lot of optional add-on coverages that sound like a good idea at the time if you aren't careful. Things like personal injury protection, towing coverage, and extra equipment coverage are probably not needed. You may think they are a good idea when deciding what coverages you need, but if you don't need them get rid of them and save.
  • Long commutes cost more - Driving a lot of miles in a year the higher your rate. Most insurance companies rate vehicles based upon how you use the vehicle. Cars that do not get driven very much receive better premium rates than vehicles that have high annual mileage. Having an incorrect usage rating on your G6 may be wasting your money. Ask your agent if your declarations sheet reflects the proper vehicle usage.
  • With age comes lower costs - Inexperience drivers have been known to be inattentive when at the wheel of a vehicle so they pay higher insurance rates. Parents adding a first-time driver to your policy can really hurt. Older insureds are more responsible, tend to file fewer claims, and are generally more financially stable.

    The following data uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.

  • Is your vehicle built for speed? - The performance level of the car or truck you drive makes a substantial difference in your car insurance bill. The lowest premiums are usually for lower performance four cylinder passenger cars, but the final cost of insurance is determined by many other factors.

    The following data is based on a married male driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It compares Pontiac G6 insurance rates compared to other vehicles that have different risk factors.

  • Low deductibles mean high prices - Physical damage insurance, aka comp and collision, covers your vehicle from damage. Some instances where coverage would apply could be a broken side mirror, damage from fire, and damage caused by flying debris. The deductibles you choose represent how much money you are required to spend if a covered claim is submitted. The more damage repair cost you are required to pay out-of-pocket, the bigger discount you will receive.