Price shopping your Pontiac G6 insurance in Portland might be quite difficult for drivers who have little experience shopping for insurance online. With more and more companies in the marketplace, it can easily be a difficult situation to lower your prices on Pontiac G6 insurance.
Steps to buying lower priced Pontiac G6 insurance in Portland
The recommended way to find the cheapest price for car insurance rates in Portland is to regularly compare prices from insurers who sell insurance in Oregon. Prices can be compared by following these steps.
- Step 1: Try to learn a little about what is in your policy and the things you can control to prevent high rates. Many rating factors that cause rate increases like traffic violations and a not-so-good credit history can be eliminated by being financially responsible and driving safely. This article provides ideas to help prevent high rates and get discounts that may be available to you.
- Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from one company like GEICO or Farmers Insurance, while independent agencies can give you price quotes for a wide range of insurance providers. Select a company
- Step 3: Compare the price quotes to the price on your current policy to determine if switching companies saves money. If you can save some money, 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 that you’ll want to compare similar deductibles and liability limits on every price quote and and to get rate quotes from as many companies as feasibly possible. This provides a fair price comparison and a good representation of prices.
It’s an obvious assumption that auto insurance companies don’t want their policyholders to compare prices. People who do rate comparisons are inclined to buy a new policy because the odds are good of finding a policy with better rates. A study discovered that consumers who made a habit of comparing rate quotes saved as much as $865 annually compared to those who never shopped for cheaper rates.
If finding the lowest rates on Pontiac G6 insurance in Portland is the reason you’re here, understanding how to quote prices and compare car insurance can make the process less intimidating.
These ten discounts can reduce Pontiac G6 insurance rates
Buying auto insurance is not cheap, but there could be significant discounts that may help make it more affordable. Certain reductions will be credited at quote time, but a few need to be requested specifically prior to receiving the credit.
- Claim-Free Discount – Good drivers with no accidents pay less in comparison to bad drivers.
- First Accident Forgiveness – This one isn’t a discount, but some companies like Allstate, Progressive, and GEICO permit an accident before your rates go up if you have no claims for a certain period of time.
- Good Student – This discount can save 20 to 25%. The discount lasts up until you turn 25.
- Membership in Organizations – Joining certain professional organizations could trigger savings on your next auto insurance statement.
- Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them successfully take a driver’s education course as it will make them better drivers and lower rates.
- Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
- Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of 20 to 30 percent.
- Sign Online – A few insurance companies will discount your bill up to fifty bucks get Portland car insurance online.
- Multiple Cars – Having all your vehicles on a single policy can get a discount on all vehicles.
- Drive Less and Save – Fewer annual miles on your Pontiac can qualify you for cheaper auto insurance rates.
Consumers should know that most discount credits are not given to the whole policy. Some only apply to individual premiums such as comp or med pay. Just because it seems like it’s possible to get free car insurance, that’s just not realistic.
The illustration below visualizes the comparison of Pontiac G6 yearly insurance costs with and without some available policy discounts. The rate quotes are based on a female driver, a clean driving record, no at-fault accidents, Oregon state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, homeowner, safe-driver, and claim-free discounts applied.
If you would like to see a list of insurers offering auto insurance discounts in Portland, click here.
The best way to get policy rate comparisons for Pontiac G6 insurance in Portland takes advantage of the fact car insurance companies participate in a system to quote your coverage. The only thing you need to do is give the companies some data including the make and model of your vehicles, whether you have decent credit, if the vehicle is leased, and distance driven. The rating information is instantly provided to insurance companies and they provide comparison quotes quickly.
To check rates for your car now, click here and find out if lower rates are available in Portland.
The companies in the list below can provide comparison quotes in Oregon. In order to find the cheapest car insurance in Portland, we suggest you get rates from several of them in order to get a fair rate comparison.
Pontiac G6 insurance analysis
The table below highlights different rate quotes for Pontiac G6 models. Having insight into how insurance prices are established can be useful when making informed purchases.
|G6 4-Dr Sedan
|Get Your Own Custom Quote Go
Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Estimates do not factor in specific location information which can impact insurance rates considerably.
The information below demonstrates how choosing different deductibles and can influence Pontiac G6 insurance rates for different age categories. The rate quotes are based on a single male driver, comp and collision included, and no other discounts are factored in.
Pontiac G6 insurance premiums by gender and age
The example below compares Pontiac G6 insurance premiums for male and female drivers. The data assumes a clean driving record, no at-fault accidents, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are factored in.
Your situation helps dictate your coverage
When quoting and choosing adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different and your car insurance should unique, too.
For instance, these questions can aid in determining whether or not you may require specific advice.
- Does insurance cover damages from a DUI accident?
- Am I covered when driving on a suspended license?
- What policy terms are available?
- What is the rate difference between pleasure use and commuting?
- Is my camper covered for physical damage?
- What are the best liability limits?
If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier
Are insurance agents obsolete?
Certain consumers just want to get professional advice from a licensed agent and often times that is recommended The best thing about getting free rate quotes online is the fact that you can find cheap auto insurance rates but also keep your business local.
Upon completion of this short form, the quote information is instantly submitted to participating agents in Portland that can provide free Portland car insurance quotes for your auto insurance coverage. You won’t even need to search for an agent as quotes are delivered to your email. Get lower rates AND an agent nearby. If you have a need to get a comparison quote from a particular provider, don’t hesitate to visit that company’s website to submit a rate quote request.
Finding the right company shouldn’t rely on just the bottom line cost. Any good agent in Portland should know the answers to these questions.
- Where would your vehicle be repaired?
- Do they assist clients in filing claims?
- Which companies can they place coverage with?
- What is the financial rating for the quoted company?
- Who are their largest clients?
- How is replacement cost determined on your vehicle?
When narrowing the list to find a reputable agency, it helps to know the two different types of agents and how they operate. Portland agents can either be independent or exclusive depending on the company they work for.
Agents of this type are contracted to one company like Allstate, State Farm and Farm Bureau. Exclusive agents are unable to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. They are highly trained on their products and sales techniques which helps offset the inability to provide other markets. Some consumers prefer to use the same agent primarily because of the prominence of the brand and the convenience of having a single billing for all their coverages.
Below is a list of exclusive agents in Portland that are able to give rate quotes.
- Chris Lawson – State Farm Insurance Agent
3118 NE Broadway St – Portland, OR 97232 – (503) 282-4569 – View Map
- Roland Havens – State Farm Insurance Agent
6720 NE Glisan St – Portland, OR 97213 – (503) 252-1608 – View Map
- John Freeman – State Farm Insurance Agent
8519 SE Woodstock Blvd – Portland, OR 97266 – (503) 228-1311 – View Map
Independent Agents (or Brokers)
Independent insurance agents are not limited to a single company and that is an advantage because they can write policies with many different companies and possibly get better coverage at lower prices. To move your coverage to a new company, the business is moved internally and you don’t have to switch agencies. If you need cheaper auto insurance rates, you absolutely need to get several quotes from at least one independent agent to have the best price comparison. A lot of them also have access to different regional companies that may provide cheaper auto insurance rates.
Listed below are Portland independent agencies who can help you get price quote information.
- Pibal Insurance Brokers of Oregon
1314 NW Irving St – Portland, OR 97209 – (503) 287-8808 – View Map
- Cundari Insurance
8309 SW 22nd Ave – Portland, OR 97219 – (503) 292-0075 – View Map
- Focus 1 Insurance
1500 NW 18th Ave #107 – Portland, OR 97209 – (503) 206-6588 – View Map
Auto insurance coverages explained
Understanding the coverages of a auto insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages found on the average auto insurance policy.
Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as fire damage, rock chips in glass, damage from flooding, damage from a tornado or hurricane and hitting a deer. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Liability car insurance – Liability insurance provides protection from damage or injury you incur to people or other property. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/20 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $20,000 paid for damaged property.
Liability coverage protects against things such as medical services, court costs, bail bonds and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford. Oregon requires minimum liability limits of 25/50/20 but you should consider buying higher limits.
The illustration below shows why low liability limits may not be high enough to adequately cover claims.
Collision – This coverage covers damage to your G6 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like rolling your car, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible on your G6 to save money on collision insurance.
Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.
Since many Oregon drivers only carry the minimum required liability limits (25/50/20), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like X-ray expenses, dental work and funeral costs. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Cheap insurance rates are out there
We’ve covered quite a bit of information on how to shop for Pontiac G6 insurance online. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest priced insurance comes from some of the lesser-known companies. Smaller companies may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.
When shopping online for insurance, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced liability coverage limits only to regret at claim time they didn’t purchase enough coverage. Your goal is to buy enough coverage at the lowest possible cost, but do not sacrifice coverage to save money.
Steps to quoting cheaper Pontiac G6 insurance in Portland
Really, the only way to get low-cost Pontiac G6 insurance in Portland is to compare prices once a year from insurance carriers who provide auto insurance in Oregon.
- Take a little time to learn about how companies price auto insurance and the factors you can control to drop your rates. Many factors that drive up the price such as careless driving and an imperfect credit score can be eliminated by making lifestyle changes or driving safer.
- Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO and Allstate, while independent agencies can provide rate quotes for a wide range of insurance providers.
- Compare the new rates to your existing policy and see if there is a cheaper rate in Portland. If you find a lower rate quote and change companies, verify that coverage does not lapse between policies.
- Provide proper notification to your current company of your intention to cancel your existing policy and submit a completed policy application and payment to your new company or agent. Be sure to place the new certificate of insurance along with the vehicle’s registration papers.
A valuable tip to remember is that you use identical coverages on every quote and and to compare as many auto insurance providers as possible. This enables an apples-to-apples comparison and the best price selection.
Additional detailed information is available at these sites:
- Red Light Cameras (State Farm)
- Who Has the Cheapest Car Insurance for Drivers with Bad Credit in Portland? (FAQ)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Collision Coverage (Liberty Mutual)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Auto Insurance Basics (Insurance Information Institute)