How to Save on Scottsdale Pontiac G6 Insurance

It’s an obvious statement that car insurance companies want to keep you from comparing rates. Consumers who perform rate comparisons are inclined to switch auto insurance companies because they have good chances of finding a lower-cost company. A study discovered that people who compared rates once a year saved $860 a year as compared to drivers who never compared other company’s rates.

If finding the cheapest rates on insurance in Scottsdale is your goal, then knowing how to quote and compare car insurance can make it easier to shop your coverage around.

If your goal is the lowest price, then the best way to get low-cost auto insurance rates in Scottsdale is to compare prices at least once a year from insurers who can sell car insurance in Arizona. You can compare prices by following these guidelines.

• Step 1: Get an understanding of what coverages are included in your policy and the measures you can take to keep rates in check. Many factors that result in higher rates such as speeding and a lousy credit rating can be improved by being financially responsible and driving safely.
• Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from one company like Progressive and State Farm, while independent agents can provide price quotes from many different companies. Click to view companies
• Step 3: Compare the price quotes to your existing policy to see if a cheaper price is available in Scottsdale. If you find a better price and change companies, make sure there is no lapse in coverage.

One bit of advice is to make sure you enter the same amount of coverage on every price quote and and to get quotes from as many different companies as possible. This guarantees the most accurate price comparison and plenty of rates choose from.

How to compare Scottsdale Pontiac G6 insurance price quotes

All the larger car insurance companies provide coverage price quotes online. Getting online quotes for Pontiac G6 insurance in Scottsdale is fairly straightforward because you just enter your required coverages into the quote form. Once you submit the form, the system pulls credit information and your driving record and gives you a price quote based on the information you submitted.

Getting online rate quotes for Pontiac G6 insurance in Scottsdale makes it simple to compare prices and it’s also necessary to do this in order to get the cheapest price on car insurance.

To get comparison pricing now, consider comparing rates from the companies shown below. If you have a policy now, it’s recommended that you enter the coverage information identical to your current policy. Doing this assures you are getting a fair comparison based on similar coverages.

The following companies are ready to provide free quotes in Arizona. To locate cheap auto insurance in Scottsdale, it’s a good idea that you visit as many as you can to get the most affordable price.

Rates and data analysis

The premium table shown next covers a range of coverage prices for Pontiac G6 models. Knowing how rates are figured can help customers make informed decisions.

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Information does not factor in vehicle garaging location which can increase or decrease premiums considerably.

Higher deductibles lower rates

When comparing auto insurance rates, the most common question is which deductibles should you choose. The comparisons below determine the price difference when you buy lower versus higher comp and collision deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second price grid uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium costs do not factor in specific zip code location which can decrease or increase auto insurance rates substantially.

Based on the data above, we can derive that using a $250 deductible will cost you approximately $12 more each month or $144 for a full year than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 21 months between claims, you would probably save some money going with the higher deductible.

An important sidenote is that a higher deductible means you pay more out-of-pocket at claim time. You need some extra funds in order to pay the higher deductible.

Pontiac G6 insurance rates by age and gender

The diagram below illustrates the comparison of Pontiac G6 premium costs for male and female drivers. The information is based on no claims, a clean driving record, comprehensive and collision coverage, $500 deductibles, single status, and no additional discounts are factored in.

Pontiac G6 liability rates compared to full coverage

The example below shows the comparison of Pontiac G6 insurance rates with and without physical damage coverage. The prices are based on a clean driving record, no claims, $250 deductibles, drivers are not married, and no discounts are factored in.

When to stop paying for full coverage

There is no specific rule to drop full coverage, but there is a general guideline you can use. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s pretend your Pontiac G6 replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $5,000 after paying your deductible. If you are paying more than $500 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some circumstances where only buying liability is not a good plan. If you haven’t satisfied your loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage.

Why you need insurance for your Pontiac G6

Despite the fact that car insurance is not cheap in Scottsdale, paying for car insurance is a good idea for several reasons.

• The majority of states have minimum liability requirements which means you are required to carry a specific minimum amount of liability insurance if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Pontiac has a lienholder, almost every bank will make it mandatory that you buy full coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank or lender will purchase a policy for your Pontiac at an extremely high rate and make you pay for the expensive policy.
• Insurance protects both your Pontiac G6 and your personal assets. It will also reimburse you for most medical and hospital costs that are the result of an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you cause an accident and are sued. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.

The benefits of having car insurance outweigh the cost, particularly for liability claims. The average driver in America is wasting up to $830 a year so shop around once a year at a minimum to save money.

Get More Affordable Insurance Costs by Understanding These Factors

It’s important that you understand a few of the rating criteria that aid in calculating your premiums. When you know what positively or negatively determines premiums, this helps enable you to make changes that could help you find cheaper rates. Lots of things are part of the calculation when you get a price on insurance. Most are fairly basic such as your driving history, but other criteria are less obvious like your vehicle usage or how safe your car is.

The list below includes some of the most rate-impacting factors insurance companies consider when setting rates.

Teenagers are high risk – Drivers with little experience are statistically proven to be inattentive when driving so they pay higher insurance rates. More experienced drivers tend to be more responsible, tend to cause fewer accidents, and are generally more financially stable.

The following data uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

Premiums are affected by your address – Residing in less populated areas of the country can save you money when trying to find low car insurance rates. Residents of big cities tend to have more traffic problems and more time behind the wheel. Fewer drivers on the road means fewer accidents and a lower car theft rate.

Vehicles with better crash test results cost less to insure – Vehicles with high crash test scores tend to have lower insurance rates. Highly rated vehicles result in less severe injuries and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders. If your Pontiac G6 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

Bundle policies and save money – Lots of insurance companies will give lower prices to buyers who consolidate policies with them. It’s known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even if you already get this discount, it’s still a good idea to compare other company rates to ensure the best deal.

Get cheaper rates with discounts

Some companies do not advertise every discount they offer in a way that’s easy to find, so below is a list both the well known and the more hidden discounts that you can inquire about if you buy Scottsdale auto insurance online.

• One Accident Forgiven – This isn’t a discount exactly, but some insurance companies will forgive one accident without raising rates so long as you haven’t had any claims prior to being involved in the accident.
• No Claims – Drivers who don’t have accidents pay much less when compared with insureds who have frequent claims or accidents.
• Professional Memberships – Being in qualifying clubs or civic groups could earn you a nice discount on your next renewal.
• Military Deployment Discount – Being on active deployment in the military may lower your car insurance rates slightly.
• Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle up could save 15% off the medical payments premium.
• Discount for Home Ownership – Owning a home in Scottsdale can save a few bucks because owning a home requires a higher level of personal finance.
• Telematics Data – Drivers who elect to allow their car insurance company to monitor driving manner by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they have good driving habits.

Keep in mind that most discount credits are not given to the whole policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

The chart below illustrates the difference between Pontiac G6 yearly insurance costs with and without some available policy discounts. The premium estimates are based on a female driver, no accidents, no driving violations, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, claim-free, safe-driver, and marriage discounts applied.

For a list of insurance companies with significant discounts in Scottsdale, click this link.

Insurance can be complex

When quoting and comparing the best insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s needs are different.

For instance, these questions might point out if your situation may require specific advice.

• What is an umbrella policy?
• Is business property covered if stolen from my car?
• Will filing a claim cost me more?
• What states are considered no-fault?
• Why am I required to buy high-risk coverage?
• Are my custom wheels covered?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance is available from your local insurance agencies

Many people would prefer to talk to a local agent and that is a personal choice. Good insurance agents can point out coverage gaps and help submit paperwork. One of the great benefits of getting online price quotes is you can get the best rates and still have an agent to talk to.

After completing this form (opens in new window), the quote information is transmitted to companies in Scottsdale that give free quotes for your insurance coverage. You never need to drive around due to the fact that quote results will go to you instantly. If you have a need to get a price quote from a specific insurance company, just jump over to their website and give them your coverage information.

Picking an insurance company should depend on more than just the price. Here are some questions you might want to ask.

• How long has the business existed?
• Will they give you a referral list?
• Is the agency active in community causes in Scottsdale?
• Do you need full coverage on every vehicle?
• Do you have coverage for a rental car if your vehicle is in the repair shop?
• Will you work with the agent or an assistant?
• Is auto insurance their primary focus in Scottsdale?
• Who is covered by the car insurance policy?

Scottsdale car insurance agents come in two flavors

If you’re trying to find an insurance agent, you need to know there are two types of agencies that you can select. Insurance agents can be described as either exclusive or independent agents depending on their company appointments. Both can write policy coverage, but it’s a good idea to understand the difference in the companies they write for since it could factor into which type of agent you select.

Exclusive Insurance Agencies

These agents normally can only provide a single company’s rates and examples are Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to compare rates from other companies so it’s a take it or leave it situation. Exclusive insurance agents are usually quite knowledgeable on sales techniques which helps them sell insurance even at higher premiums. Many people buy from the same agent for years primarily because of the brand name rather than low price.

Listed below is a short list of exclusive agencies in Scottsdale that can give you comparison quotes.

• Steve Fair – State Farm Insurance Agent
  33717 N Scottsdale Rd #101 – Scottsdale, AZ 85266 – (480) 563-2710 – View Map
• Dan Vukovic – State Farm Insurance Agent
  7077 E Bell Rd #207 – Scottsdale, AZ 85254 – (480) 949-5433 – View Map
• Shar Roos – State Farm Insurance Agent
  9393 N 90th St Ste 108C – Scottsdale, AZ 85258 – (480) 478-6968 – View Map

More insurance agents

Independent Insurance Agents

Independent agents are appointed with more than one company so as a result can place your coverage with an assortment of companies and help determine which has the cheapest rates. If they find a lower price, your policy is moved internally and you don’t have to switch agencies. When searching for an agent, it’s recommended you get quotes from independent agents to get the best comparison. They also have the ability to place coverage with different regional companies that can offer cheaper rates than bigger companies.

Below is a list of independent agencies in Scottsdale that can give you price quotes.

• Hartford Insurance Agent
  17470 N Pacesetter Way – Scottsdale, AZ 85255 – (480) 657-2800 – View Map
• Crest Insurance Group
  Ste 375, 7272 E Indian School Rd – Scottsdale, AZ 85251 – (480) 839-2252 – View Map
• Crest Insurance Group, LLC
  7900 E Thompson Peak Pkwy # 10 – Scottsdale, AZ 85255 – (480) 860-6453 – View Map

More insurance agents

After getting acceptable answers and a low price estimate, it’s possible that you found an auto insurance agent that is reputable and can adequately provide insurance. Just keep in mind it’s your coverage and you can cancel coverage whenever you choose to so don’t think that you are obligated to any particular company for the entire policy term.

Don’t give up on cheaper rates

Insureds switch companies for a number of reasons such as high rates after DUI convictions, not issuing a premium refund, denial of a claim or delays in paying claims. No matter why you want to switch, finding a new company is actually quite simple.

Throughout this article, we presented many ways to reduce Pontiac G6 insurance prices online in Scottsdale. It’s most important to understand that the more you quote Scottsdale auto insurance, the better your comparison will be. You may even find the best prices are with a small mutual company.

While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. In too many instances, an insured dropped liability coverage limits and discovered at claim time they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Much more information about insurance in Arizona is available on the following sites:

• Safe Vehicles for Teens (iihs.org)
• How Much are Car Insurance Rates for a Toyota Tacoma in Scottsdale? (FAQ)
• Who Has Cheap Scottsdale Car Insurance Quotes for Teenage Males? (FAQ)
• Where can I buy Insurance? (Insurance Information Institute)
• Learn About Car Insurance (GEICO)