Car Insurance Quotes for a Pontiac G6 in Las Vegas

The recommended way to find better pricing on Pontiac G6 insurance in Las Vegas is to annually compare prices from insurance carriers that sell auto insurance in Nevada. This can be done by following these steps.

• Step 1: Learn about coverages and the things you can change to prevent expensive coverage. Many things that drive up the price like your driving record and an unacceptable credit history can be controlled by improving your driving habits or financial responsibility. Read the full article for instructions to help prevent costly coverage and get discounts that may be available to you.
• Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive and State Farm, while independent agencies can provide price quotes from multiple insurance companies. View insurance agents
• Step 3: Compare the new rate quotes to your current policy premium and see if there is a cheaper rate. If you find a better price and switch companies, ensure there is no coverage lapse between policies.

The most important part of shopping around is to try to compare the same coverage limits and deductibles on every quote request and and to analyze as many car insurance companies as possible. This guarantees a fair rate comparison and and a good selection of different prices.

Inconceivable but true, a large majority of drivers have remained with the same car insurance company for a minimum of four years, and nearly 40% of drivers have never even compared rates from other companies. With the average car insurance premium being $1,600, Nevada drivers could save as much as 35% every year by just comparing rate quotes, but they don’t believe the benefits if they replace their high priced policy.

Buying the most affordable auto insurance coverage in Las Vegas is not as difficult as people think. If you have a policy now or are shopping for new coverage, you will benefit by learning to find the best rates and possibly find even better coverage. Consumers only have to learn the most efficient way to compare company rates online from multiple companies.

Getting a cheaper price on Pontiac G6 insurance can be surprisingly simple. Drivers just need to take a few minutes comparing rate quotes provided by online insurance companies.

The following companies provide quotes in Nevada. If you want cheap auto insurance in Las Vegas, NV, we suggest you visit as many as you can to get a more complete price comparison.

Car insurance is not optional in Nevada

Even though it can be expensive, buying car insurance is most likely required but also gives you several important benefits.

• Just about all states have minimum liability requirements which means you are required to carry a specific minimum amount of liability coverage in order to drive the car. In Nevada 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 G6 has a loan, almost all lenders will stipulate that you have full coverage to protect their interest in the vehicle. If you default on your policy, the lender may insure your Pontiac for a lot more money and make you pay the higher price.
• Insurance protects your car and your assets. It will also cover medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your Pontiac gets damaged, your policy will pay to repair the damage minus the deductible amount.

The benefits of having car insurance outweigh the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver is wasting up to $865 each year so you should quote and compare rates at every renewal to save money.

Coverage statistics and figures

The table shown next covers estimates of insurance premium costs for Pontiac G6 models. Understanding how car insurance premiums are formulated can be of help when making informed decisions when shopping around for a new policy.

Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Premium costs do not factor in Las Vegas location which can raise or lower insurance rates significantly.

Insurance deductibles

One common question asked by Las Vegas drivers is what deductibles to buy. The comparison tables below may aid in understanding the rate differences between low and high physical damage coverage deductibles. The first rate comparisons uses a $100 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price information does not factor in specific garaging location which can influence rates greatly.

We can derive from the above data that using a $100 deductible costs roughly $21 more each month or $252 annually averaged for all G6 models than requesting the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you average at least 19 months between claim filings, you would probably come out ahead if you elect the higher deductible.

One thing to note is that raising deductibles to save money means you will have to pay more at claim time. You should have enough money stashed away in the event you have to pay the deductible.

The diagram below demonstrates how choosing different deductibles and can impact Pontiac G6 insurance prices for each age group. The prices are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.

Comparison of full coverage and liability-only policies

The example below shows the comparison of Pontiac G6 auto insurance costs when comparing full coverage to state minimum liability only. The costs are based on no violations or accidents, $100 deductibles, single marital status, and no policy discounts are applied.

When to switch to liability coverage only

There is no exact formula that is best for determining when to drop physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Pontiac G6 replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $4,000 after the deductible is paid. If you are currently paying more than $400 a year to have full coverage, then it might be time to consider dropping full coverage.

There are some circumstances where dropping physical damage coverage is not advised. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Get cheaper rates with discounts

Some providers don’t list the entire discount list very clearly, so below is a list both well-publicized and the harder-to-find savings tricks you should be using when you buy Las Vegas car insurance online. If you aren’t receiving every discount you qualify for, you are just wasting money.

• Discount for Multiple Policies – If you insure your home and vehicles with one insurance company you may save nearly 15% which can help you find cheaper G6 insurance.
• E-sign Discounts – Some of the larger companies will provide an incentive for completing your application online.
• Defensive Driver – Taking time to complete a defensive driver course is a good idea and can lower rates and easily pay for the cost of the class.
• Multi-car Discount – Having all your vehicles on a single policy may reduce the rate for each vehicle.
• Theft Deterrent – Cars that have factory anti-theft systems can help prevent theft and that can save you a little bit as well.
• Low Mileage Discounts – Low mileage vehicles can earn lower prices on the low mileage vehicles.

It’s important to understand that most of the big mark downs will not be given to the whole policy. Some only reduce individual premiums such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

The chart below shows the difference between Pontiac G6 insurance premiums with and without discounts applied to the rates. The premium estimates are based on a male driver, no claims or violations, Nevada state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, homeowner, marriage, and multi-car discounts applied.

The best auto insurance companies and their offered discounts can be read below.

• State Farm may offer discounts for good driver, Drive Safe & Save, Steer Clear safe driver discount, driver’s education, safe vehicle, good student, and multiple policy.
• Farmers Insurance discounts include good student, early shopping, business and professional, switch companies, and distant student.
• Progressive offers discounts including continuous coverage, homeowner, good student, online signing, multi-vehicle, multi-policy, and online quote discount.
• GEICO may include discounts for military active duty, five-year accident-free, multi-vehicle, defensive driver, good student, emergency military deployment, and driver training.
• Auto-Owners Insurance offers discounts for multi-policy, mature driver, anti-theft, air bags, teen driver, and safe vehicle.
• The Hartford may have discounts that include defensive driver, bundle, driver training, anti-theft, and good student.
• Farm Bureau has discounts for youthful driver, safe driver, driver training, multi-policy, good student, and multi-vehicle.
• USAA offers premium reductions for vehicle storage, good student, multi-policy, military installation, and driver training.

If you want affordable Las Vegas car insurance quotes, ask all companies you are considering to apply every possible discount. Depending on the company, some discounts may not be offered in Las Vegas.

When to get professional advice

When quoting and choosing the right insurance coverage, there isn’t really a cookie cutter policy. Your situation is unique.

These are some specific questions may help highlight if you would benefit from an agent’s advice.

• Where can I find high-risk insurance?
• When can my company non-renew my policy?
• Should I bundle my homeowners policy with my auto?
• What does roadside assistance cover?
• What does PIP insurance cover?
• Is business property covered if stolen from my car?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Best car insurance in Nevada

Buying coverage from a highly-rated car insurance company can be difficult considering how many companies are available to choose from in Nevada. The company information in the lists below may help you choose which providers to look at comparing rates with.

Top 10 Las Vegas Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA Insurance – 91%
4. Nationwide – 90%
5. State Farm – 90%
6. The Hartford – 89%
7. GEICO – 89%
8. 21st Century – 88%
9. Liberty Mutual – 88%
10. Allstate – 88%

Top 10 Las Vegas Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. Travelers – A++
3. GEICO – A++
4. State Farm – A++
5. The Hartford – A+
6. Esurance – A+
7. Nationwide – A+
8. Allstate – A+
9. Mercury Insurance – A+
10. Titan Insurance – A+