2009 Pontiac G3 Car Insurance Rates – 7 Ways to Save

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Searching for cheap insurance coverage online can be rather challenging for beginners to price shopping online. With dozens of insurers to choose from, how can drivers even start to compare every one to find the cheapest rates?

It’s a great practice to get comparison quotes every six months since insurance rates tend to go up over time. Just because you found the lowest rates for G3 insurance on your last policy you can probably find a better price now. Forget all the misinformation about insurance coverage because we’re going to demonstrate one of the quickest ways to find better coverage at a better price.

Car Insurance Prices Online

There are several ways to compare quotes from different insurance companies. The best method to find the lowest 2009 Pontiac G3 rates is to perform an online rate comparison. This can be accomplished in just a few minutes using one of these methods.

The single most time-saving way consumers can analyze rates is a comparison rater form like this one (opens in new window). This form saves time by eliminating repetitive form entry for each company. One form submission gets rate comparisons from multiple low-cost companies. It’s definitely the quickest method.

A more difficult way to compare rate quotes is to manually visit the website for every company you want to comare and complete a new quote form. For example, let’s assume you want to compare rates from Liberty Mutual, GEICO and Travelers. To get each rate you have to go to every website and enter your information, which is why the first method is quicker.

For a list of links to insurance companies in your area, click here.

The least recommended method of comparing rate quotes is driving to and from local insurance agencies. Shopping for car insurance online makes this process obsolete unless you have a need for the personal advice only provided by licensed agents. However, consumers can compare the best prices online but still have the advice of a local agent and we’ll touch on that later.

However you get your quotes, be sure to compare identical deductibles and coverage limits for each price quote. If you are comparing mixed coverages it’s not possible to truly determine the lowest rate. Just a small difference in limits may cause a big price difference. It’s important to know that obtaining a wide range of quotes gives you a better chance of getting lower pricing.

Pay less by taking advantage of these seven discounts

Companies offering auto insurance don’t always publicize every available discount very well, so we took the time to find both well-publicized and also the lesser-known discounts you could be receiving.

  • Memberships – Affiliation with a civic or occupational organization could trigger savings on insurance for G3 insurance.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Save with a New Car – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for G3 insurance than their less cautious counterparts.
  • Paperwork-free – A handful of insurance companies give back up to $50 for buying your policy online.
  • One Accident Forgiven – Some insurance companies allow you one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.

It’s important to note that some of the credits will not apply to all coverage premiums. The majority will only reduce individual premiums such as comprehensive or collision. So when it seems like you could get a free insurance policy, you won’t be that lucky.

To see a list of insurers with discount insurance rates, click here to view.

Your coverage should be tailored to you

When choosing coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining if your situation will benefit from professional help.

  • Will filing a claim cost me more?
  • Should I bundle my homeowners policy with my auto?
  • When should my teen driver be added to my policy?
  • Who is covered by my policy?
  • Are split liability limits better than a combined single limit?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered when delivering products for my home-based business?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.

Insurance coverage options for a 2009 Pontiac G3

Learning about specific coverages of your insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverages – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a bird, hail damage and damage from flooding. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages – Liability insurance will cover injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as repair costs for stationary objects, legal defense fees, bail bonds and medical expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage – This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2009 Pontiac G3.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Collision coverage – This covers damage to your G3 resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with a tree, damaging your car on a curb, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses like chiropractic care, doctor visits, nursing services and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

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