Buying budget Fresno Pontiac G6 insurance quotes can appear to be difficult for consumers that are not comfortable with quoting and price shopping on the web. With dozens of insurers available, how can anyone effectively compare them all to find better rates?
Astonishing but true according to a recent study, a large majority of drivers have stayed with the same insurance company for more than four years, and almost 40% of drivers have never quoted rates to find cheaper coverage. With the average insurance premium being $1,847, U.S. drivers could save nearly $860 every year by just shopping around, but they assume it’s a waste of time to find cheaper insurance rates.
Auto insurance policy discounts for Pontiac G6 insurance in Fresno
Auto insurance companies do not advertise all their discounts very clearly, so the list below contains both the well known and the harder-to-find credits that may apply to you.
- Passive Restraints and Air Bags – Factory air bags or motorized seat belts could see savings of up to 25% or more.
- Clubs and Organizations – Being in specific professional or occupational memberships or organizations is a simple method to lower premiums on your bill.
- Discount for Good Grades – Performing well in school can earn a discount of 20% or more. You can use this discount normally up to age 25.
- Claim Free – Insureds who avoid accidents and claims can earn big discounts as opposed to accident-prone drivers.
- Safety Course Discount – Taking time to complete a course in defensive driving could cut 5% off your bill and easily recoup the cost of the course.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents and will save you 10% or more on G6 insurance in Fresno.
- Theft Deterrent Discount – Vehicles with anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
A quick disclaimer, most discount credits are not given to all coverage premiums. Some only apply to specific coverage prices like medical payments or collision. So when it seems like you could get a free auto insurance policy, companies don’t profit that way.
The example below illustrates the difference between Pontiac G6 yearly insurance costs with and without policy discounts. Data assumes a male driver, no claims, a clean driving record, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, marriage, multi-car, and multi-policy discounts applied.
Popular auto insurance companies and some of their more popular discounts are detailed below.
- GEICO may offer discounts for air bags, federal employee, military active duty, multi-vehicle, driver training, anti-lock brakes, and seat belt use.
- USAA offers premium reductions for multi-policy, multi-vehicle, driver training, loyalty savings, military installation, defensive driver, and family discount.
- Progressive policyholders can earn discounts including continuous coverage, multi-policy, multi-vehicle, online signing, homeowner, and online quote discount.
- American Family has savings for good student, defensive driver, TimeAway discount, mySafetyValet, and good driver.
- Esurance offers discounts including Pac-12 alumni, DriveSense, good driver, online shopper, multi-car, and anti-lock brakes.
- Farmers Insurance may include discounts for switch companies, multi-car, alternative fuel, electronic funds transfer, good student, and business and professional.
- State Farm offers discounts for accident-free, good student, safe vehicle, student away at school, and defensive driving training.
When getting a coverage quote, ask each company how you can save money. Some discounts may not be offered in your area.
Keep in mind that comparing more quotes will enable you to find the best rates.
The following companies are our best choices to provide quotes in California. In order to find cheaper car insurance in Fresno, it’s a good idea that you click on several of them in order to find the lowest rates.
Insurance data for a Pontiac G6
The coverage information below highlights a range of insurance prices for Pontiac G6 models. Having a better idea how car insurance prices are determined can help customers make informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $204 | $354 | $450 | $26 | $134 | $1,168 | $97 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Price information does not factor in specific location which can lower or raise premium rates greatly.
Choosing deductibles
The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The rates below approximate the rate fluctuation when you buy lower versus higher physical damage coverage deductibles. The first set of rates uses a $100 deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can influence prices greatly.
Based on the data above, we can derive that using a $100 deductible would cost the average driver about $43 more each month or $516 every year than choosing the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 21 months between claim filings, you would probably be better off by selecting a higher deductible.
Calculate deductible break even point
| Average monthly premium for $100 deductibles: | $141 |
| Average monthly premium for $1,000 deductibles (subtract): | – $98 |
| Monthly savings from raising deductible: | $43 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $43 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
One important note is that raising deductibles means you will have to pay more when you have a comprehensive or collision claim. You must have enough money put aside in the event you need to pay the higher deductible.
The example below illustrates how your choice of deductibles and can affect Pontiac G6 insurance prices for different insured age categories. The information is based on a married male driver, comp and collision included, and no additional discounts are factored in.
Safe drivers pay cheaper rates
The diagram below demonstrates how citations and at-fault claims can raise Pontiac G6 insurance costs for each age group. The premiums assume a married female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
Comparison of insurance rates by age and gender in Fresno
The chart below shows the comparison of Pontiac G6 insurance rates for male and female drivers. The rate quotes are based on no claims or driving violations, full coverage, $250 deductibles, drivers are single, and no discounts are taken into consideration.
Do you need full coverage?
The diagram below illustrates the difference between Pontiac G6 yearly insurance costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no accidents or driving violations, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
Are you wasting money on full coverage?
There is no clear-cut rule for excluding physical damage coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, then you might consider buying liability only.
For example, let’s pretend your Pontiac G6 book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $2,000 after the policy deductible has been paid. If you are paying in excess of $200 a year for physical damage coverage, then you may want to consider only buying liability coverage.
There are a few situations where only buying liability is not a good plan. If you still have a loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
Informed Drivers Save Every Year
An important part of buying insurance is that you know the rating factors that help calculate your premiums. If you understand what determines premiums, this enables informed choices that could help you find lower rates. Lots of things are part of the equation when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, although some other factors are less obvious like your vehicle usage and annual miles driven.
The more you drive the more you pay – The more you drive your Pontiac in a year’s time the higher the price you pay to insure it. Most insurance companies calculate rates based upon how the vehicle is primarily used. Vehicles that are left in the garage can get a lower rate than vehicles that are driven to work every day. A policy that improperly rates your G6 can cost quite a bit. Verify your auto insurance policy is showing annual mileage.
With age comes responsibility – Beginning drivers in California have a tendency to be inattentive and easily distracted when at the wheel of a vehicle and because of this, their auto insurance rates are much higher. Parents adding a youthful driver onto your auto insurance will cause a huge premium hike. Older insureds are viewed as being more responsible, file fewer claims, and tend to be get fewer driving tickets.
The next chart uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.
Consider raising physical damage deductibles – Insurance for physical damage, also called comprehensive and collision insurance, covers your vehicle from damage. Examples of some claims that would be covered are a broken side mirror, damage from fire, and damage from a fallen tree branch. The deductibles state the amount of money you are required to spend if a claim is determined to be covered. The more damage repair cost you pay before a claim is paid (deductible), the less your company will charge you for insurance.
Cheaper rates by combining – The majority of insurers afford lower prices to insureds who carry more than one policy in the form of a multi-policy discount. Even with this discount, you still need to compare other Fresno G6 insurance rates to help ensure you have the lowest rates.
Marriage can save on auto insurance – Having a significant other can actually save you money on auto insurance. It translates into being less irresponsible and insurance companies reward insureds because drivers who are married are more cautious.
Do you really need roadside assistance? – There are a ton of add-on coverages that you can get tricked into buying on your auto insurance policy. Coverage for things like replacement cost coverage, towing, and extra life insurance coverage are examples of these. You may think they are a good idea when discussing your needs, but if they’re wasting money remove them and pocket the money.
Are auto insurance agents of importance?
Many people still like to buy from a local agent and that is a smart decision A nice benefit of getting free rate quotes online is that you can find cheaper premium rates and still choose a local agent. Buying insurance from local insurance agencies is especially important in Fresno.
To help locate an agent, after submitting this quick form, your coverage information is emailed to local insurance agents who will give you quotes to get your business. There is no need to search for any insurance agencies since price quotes are sent to you directly. You’ll get the best rates AND an agent nearby. If for some reason you want to get a comparison quote from a specific insurance company, just find their quoting web page and give them your coverage information.
Multiple types of car insurance agents in Fresno
If you need to find a local agent, you need to know there are two types of agencies and how they work. Agents are considered either independent agents or exclusive agents depending on their employer.
Independent Insurance Agents
These agents can sell policies from many different companies and that allows them to write policies with any number of different companies and find the cheapest rate. If they find a lower price, your policy is moved internally which makes it simple for you. If you are comparing rate quotes, you need to contact at least one independent agent to maximize your price options. They often place coverage with smaller companies that can offer cheaper rates than bigger companies.
Shown below is a list of independent insurance agents in Fresno who may provide cheap rate quotes.
- CCIS Bonding and Insurance Services
2520 W Shaw Ln #104 – Fresno, CA 93711 – (559) 320-2247 – View Map - Bulldog Insurance Agency
7975 N Cedar Ave – Fresno, CA 93720 – (559) 447-5000 – View Map - Walter L. Clark and Associates, Inc.
7673 N Ingram Ave #103 – Fresno, CA 93711 – (559) 222-0300 – View Map
Exclusive Car Insurance Agencies
Agents that choose to be exclusive are contracted to one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. They generally cannot provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agencies are very knowledgeable on their company’s products which helps them sell on service rather than price. Many people buy from exclusive agents partially due to the brand legacy rather than low rates.
The following is a list of exclusive agents in Fresno who can help you get price quote information.
- Marc Bomarito – State Farm Insurance Agent
9497 N Fort Washington Rd Ste 101 – Fresno, CA 93730 – (559) 224-8660 – View Map - Dick Wallace – State Farm Insurance Agent
4344 E Ashlan Ave – Fresno, CA 93726 – (559) 222-6501 – View Map - Janean Wolfe – State Farm Insurance Agent
7089 N Marks Ave #105 – Fresno, CA 93711 – (559) 432-6392 – View Map
Finding the right car insurance agent should include more criteria than just a cheap price. These questions are important to ask:
- What insurance company do they write the most business with?
- Can they give you a list of client referrals?
- Does the agent have professional designations like CIC, CPCU or AIC?
- How are claims handled?
- Are they paid to recommend certain coverages?
- Is the coverage adequate for your vehicle?
- How is replacement cost determined on your vehicle?
- When do they do a full risk review?
Upon getting positive feedback to all your questions as well as offering an affordable quote, you may have found a car insurance agent that meets the criteria to provide car insurance coverage. It’s important to know that you are able to cancel a policy for any reason so don’t feel that you are permanently stuck with your new company for any length of time.
Three reasons to not skimp on car insurance
Even though it’s not necessarily cheap to insure a Pontiac in Fresno, maintaining insurance is mandatory in California but it also protects more than you think.
- Almost all states have mandatory liability insurance requirements which means state laws require specific minimum amounts of liability coverage if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you bought your G6 with a loan, most banks will require you to buy full coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Pontiac at an extremely high rate and force you to pay the higher price.
- Car insurance protects both your assets and your vehicle. It will also pay for many types of medical costs for yourself as well as anyone injured by you. Liability insurance also covers all legal expenses up to the policy limit if you cause an accident and are sued. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of having car insurance are without a doubt worth the cost, particularly if you ever have a claim. Today the average American driver is currently overpaying as much as $800 each year so shop around at least once a year to ensure rates are competitive.
Ratings for California auto insurance companies
Ending up with the best car insurance provider can be challenging considering how many companies are available to choose from in Fresno. The rank data in the lists below may help you select which auto insurance companies you want to consider when shopping your coverage around.
Top 10 Fresno Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Fresno Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
In the end, you can save money
As you quote Fresno car insurance, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, drivers have reduced liability limits or collision coverage and found out when filing a claim that they should have had better coverage. Your objective should be to purchase a proper amount of coverage at the best possible price, but do not skimp to save money.
Insureds leave their current company for many reasons like questionable increases in premium, denial of a claim, unfair underwriting practices and even not issuing a premium refund. Regardless of your reason for switching companies, switching car insurance companies can be easier than you think.
We just covered many ways to shop for Pontiac G6 insurance online. It’s most important to understand that the more providers you compare, the better likelihood of getting affordable Pontiac G6 insurance quotes. Drivers may even discover the best price on car insurance is with a smaller regional carrier.
Steps to buying cheaper Pontiac G6 insurance in Fresno
Really, the only way to find better pricing on Pontiac G6 insurance is to compare prices at least once a year from providers in Fresno. Prices can be compared by following these guidelines.
- First, try to comprehend what is in your policy and the things you can change to keep rates in check. Many rating factors that cause high rates such as accidents, traffic violations, and a poor credit rating can be rectified by being financially responsible and driving safely.
- Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or Allstate, while independent agencies can provide prices from many different companies.
- Third, compare the new rates to the premium of your current policy to see if a cheaper rate is available. If you can save money, make sure there is no lapse in coverage.
- Fourth, provide proper notification to your current company of your intention to cancel your current coverage. Submit a completed policy application and payment to the new company. Make sure you place your new proof of insurance certificate along with the vehicle’s registration papers.
The most important part of shopping around is to compare the same liability limits and deductibles on each quote request and and to look at as many companies as feasibly possible. Doing this provides an accurate price comparison and maximum price selection.
Additional articles
- Where can I buy Insurance? (Insurance Information Institute)
- Who Has Cheap Auto Insurance for a Ford Explorer in Fresno? (FAQ)
- What Insurance is Cheapest for a Ford Escape in Fresno? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Dodge Grand Caravan in Fresno? (FAQ)
- Who Has Affordable Auto Insurance for Good Students in Fresno? (FAQ)
- How Much are Auto Insurance Quotes for Uninsured Drivers in Fresno? (FAQ)
- Who Has Cheap Fresno Auto Insurance Rates for Nurses? (FAQ)
- Help Your Teen Be a Better Driver (State Farm)
- Alcohol Impaired Driving FAQ (iihs.org)