Car Insurance Quotes for a Pontiac G6

Pontiac G6 owners say its sporty suspension and ample rear seating space are two reasons they love to drive this sedan. The average annual premium for a G6 auto policy is $1,992 for full and $1,032 for minimum coverage (that compares to the national average of $2,014 for full coverage and $622 for minimum liability).

The Pontiac G6 is a sportier car with a supercharged 6-cylinder engine, which may be why it is slightly more to insure when looking at minimum coverage options.

All drivers are required to carry auto insurance. Failure to provide proof of insurance when pulled over at a traffic stop can result in a suspended driver’s license and registration, fines,
and other administrative hassles.

One of the best ways you can be protected on the road is with a good auto insurance policy. Let Freeway Insurance help you explore your options and lock in a new, affordable policy. It only takes minutes to receive a free, no-obligation consultation with one of our agents.

Two policy options Pontiac G6 drivers may consider include state-mandated minimum liability and full coverage.

Of these two options, full coverage provides first and third-party benefits for greater peace of mind when out on the road. However, both will satisfy the legal requirements for driving in your state.

Full Coverage

Full coverage  implies any policy that includes liability, collision, and comprehensive coverage. Unlike a liability-only policy, full coverage includes first-party benefits, covering injuries of others, along with repairs or replacement of your vehicle in case of an at fault accident.

Remember that full coverage does not include add-ons like gap, rental reimbursement or
uninsured/underinsured motorist  coverage. Depending on your state, these are usually purchased separately, although some may be mandatory.

State Minimum Liability

State minimum liability  refers to the minimum amount of coverage drivers must have to drive legally in their state.

It comprises third-party-only benefits, covering the cost of damages and injuries sustained by third parties in an at-fault accident up to specified limits. For example, all California drivers must carry a minimum 15/30/5 policy, translating to $15,000 in bodily injury per person, $30,000 in bodily injury per accident, and $5,000 in property damage per accident.

These numbers represent the maximum amount insurance providers will pay with the remaining out-of-pocket costs covered by you.

To determine the cost of your premiums, underwriters look at everything from your driving record to your deductible amount.

Driving Record

Drivers with a clean driving record free of claims, at-fault accidents, traffic tickets, and other mishaps on the road are likely to see lower rates. The same goes for older drivers versus young or new drivers with no driving history. The longer you have a clean driving record, the lower your rates.

Discounts

Enrolling or being eligible for multi-policy, telematics, safety features, low mileage , and good driver discount programs can all shave anywhere from 5% to 25% off of your premium, depending on the provider. Annually, this could mean saving hundreds of dollars. Find discounts you may be eligible for by contacting your agent regularly.

Type of Coverage

Expect varying levels of protection depending on the type of coverage selected. For example, a liability-only policy will cost much less than a full coverage policy with liability, collision, and comprehensive with the option (not required) to add extras like roadside assistance and rental car reimbursement costs.

With any DUI conviction, expect consequences ranging from required SR-22 filing by your provider on your behalf to a long-term impact on your premiums.

First and foremost, even first-time DUI offenders should expect to see a premium increase
now that they are reclassified as higher-risk drivers. Rates can double or triple, depending on several factors. On top of that, your rates will remain elevated for several years.

Lastly, do not forget about coverage options. Many mainstream insurance providers may
not handle high-risk drivers, forcing you to turn to a provider specializing in high-risk drivers and affordable DUI solutions.

If you want to save a few dollars off your monthly premium, enrolling in discount programs is the way to go.

Two popular discount programs are good driver andmulti-policy discounts. Good driver discounts are awarded to drivers with a clean driving record for the past three to five years. The longer you go with a clean driving record, the less of a risk you are to providers.

Multi-policy discounts are also a worthwhile incentive, awarded to policyholders who purchase two or more policies under the same roof. With bundling, select policy types are eligible, with homeowners and auto a popular combination that could add up to 25% off.

Other discounts you may be able to enjoy include:

This is a vehicle in the mid-size sedan segment, discontinued after the 2009 model year.

Standard features on the G6 include Bluetooth, cruise control, remote engine start, remote keyless entry, and a folding rear seat. Upgrading to higher-level trims include a leatherwrapped steering wheel, enhanced steering wheel controls, fog lights, and a rear spoiler.

Main competitors are the Toyota Camry, Honda Accord, Hyundai Sonata, and Nissan Altima.