Cheap Insurance for a Pontiac G6 in Virginia Beach

Do you want to learn how to find cheaper Pontiac G6 insurance in Virginia Beach? Car insurance shoppers not familiar with comparison shopping online might discover sourcing cheap G6 insurance is more work than they thought.

Inconceivable but true, over 70% of Virginia drivers kept their policy with the same company for over three years, and roughly 40% of drivers have never compared rates with other companies. With the average car insurance premium being $1,847, American drivers could save 47% a year just by getting comparison quotes, but they underestimate the actual amount they would save if they switch to a new company.

Buying the cheapest car insurance in Virginia Beach is really quite easy. If you have a policy now, you will most likely be able to find better prices using the ideas you’re about to read. Nevertheless, Virginia car owners do need to learn how companies price online insurance and use this information to your advantage.

There are several ways to obtain and compare prices from local Virginia Beach auto insurance companies. The simplest method to find the cheapest insurance rates consists of obtaining rate quotes online.

When comparing auto insurance rates, know that comparing all the rates in your area helps locate a better price.

The following companies have been selected to offer price quotes in Virginia Beach, VA. If your goal is to find the cheapest auto insurance in Virginia Beach, we recommend you click on several of them in order to get a fair rate comparison.

Get cheaper Pontiac G6 insurance in Virginia Beach with discounts

Insurance can be prohibitively expensive, but companies offer discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you purchase, but some must be manually applied before they will apply.

• No Charge for an Accident – This one is not really a discount per se, but certain companies will let one accident slide before your rates go up if you are claim-free for a certain period of time.
• Low Mileage – Keeping the miles down on your Pontiac can qualify you for lower prices on the low mileage vehicles.
• Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
• Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
• Student Discounts – Getting good grades could provide a savings of up to 20% or more. Most companies allow this discount until age 25.
• Braking Control Discount – Cars and trucks that have anti-lock braking systems have fewer accidents so you can save 10 percent or more.
• Paperless Signup – Certain companies will give a small break simply for signing on the internet.
• Organization Discounts – Joining a civic or occupational organization in Virginia Beach is a good way to get lower rates on your policy.

Policy discounts save money, but some of the credits will not apply to all coverage premiums. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way. Any amount of discount will lower the amount you pay for coverage.

The example below illustrates the difference between Pontiac G6 insurance rates with and without discounts. The data assumes a male driver, no driving violations, no at-fault accidents, Virginia state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, claim-free, safe-driver, homeowner, and multi-car discounts applied.

A few popular companies and some of the premium reductions they offer can be read below.

• Progressive policyholders can earn discounts including online signing, multi-vehicle, homeowner, good student, online quote discount, and continuous coverage.
• Farmers Insurance may have discounts that include alternative fuel, distant student, early shopping, teen driver, and multi-car.
• Farm Bureau may include discounts for driver training, good student, safe driver, 55 and retired, and renewal discount.
• State Farm may offer discounts for Steer Clear safe driver discount, safe vehicle, driver’s education, defensive driving training, passive restraint, and good driver.
• GEICO offers discounts including air bags, anti-lock brakes, daytime running lights, anti-theft, multi-vehicle, membership and employees, and defensive driver.
• SAFECO discounts include bundle discounts, homeowner, anti-lock brakes, accident prevention training, teen safety rewards, multi-car, and anti-theft.
• Liberty Mutual has discounts for hybrid vehicle, new graduate, newly married, new move discount, newly retired, teen driver discount, and safety features.

When comparing rates, check with every insurance company what discounts are available to you. Discounts may not be available in every state. To see insurers with discount car insurance rates in Virginia Beach, follow this link.

Coverage statistics and figures

The premium information displayed next highlights different insurance coverage prices for Pontiac G6 models. Having a better understanding of how car insurance premiums are formulated can aid in making informed decisions.

Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Prices do not factor in garaging location in Virginia Beach which can change price quotes greatly.

Deductible comparison

One of the more difficult decisions when buying car insurance is what deductibles to buy. The comparison tables below can help you visualize the rate difference between low and high physical damage coverage deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second rate table uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rates do not factor in Virginia Beach location which can change prices substantially.

We can estimate from the data above that using a $100 deductible will cost you about $26 more each month or $312 every year than quoting the higher $1,000 deductible. Since you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 35 months between claims, you would probably be better off if you elect the higher deductible. Here’s an example of how you can do this calculation yourself.

One big caveat is that increasing deductibles to lower your rates results in more money out-of-pocket when you file a claim. That will require enough disposable savings in the event you have to pay more for the deductible.

Reckless driving habits raise car insurance rates

The illustration below shows how violations and at-fault accidents can drive up Pontiac G6 car insurance costs for different ages of insureds. The premium estimates are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

Compare rates but still have a local Virginia Beach insurance agent

A lot of people still prefer to sit down with an agent and we recommend doing that A good thing about price shopping on the web is you can get cheap car insurance quotes and still choose a local agent.

After filling out this short form, your insurance coverage information gets sent to participating agents in Virginia Beach who will return price quotes for your business. It simplifies rate comparisons since you won’t have to find an agent because quoted prices will be sent directly to your email. You can most likely find cheaper rates without having to waste a lot of time. If you need to get a price quote from a particular provider, you just need to search and find their rate quote page and complete a quote there.

Deciding on an company should depend on more than just the quoted price. Agents should be asked these questions:

• Do you have coverage for a rental car if your vehicle is in the repair shop?
• Does the agent recommend any additional coverage?
• Do they receive special compensation for putting your coverage with one company over another?
• Are they actively involved in the community?
• Does the company have a local claim office in Virginia Beach?

Types of car insurance agents

If you want to buy car insurance from a local insurance agency, it’s important to understand the types of agencies and how they operate. Car insurance agencies are considered either exclusive or independent.

Exclusive Car Insurance Agencies

Agents that choose to be exclusive can only write with one company and examples are American Family, State Farm, and AAA. They usually cannot compare other company’s rates so it’s a take it or leave it situation. They are usually quite knowledgeable on sales techniques which helps offset the inability to provide other markets. Some insured continue to use the same exclusive agent mostly because of loyalty to the company and the convenience of having a single billing for all their coverages.

Below is a list of exclusive insurance agents in Virginia Beach that can give you price quotes.

• Tim Johnson – State Farm Insurance Agent
  700 Independence Blvd – Virginia Beach, VA 23455 – (757) 499-0550 – View Map
• Mike McDonald – State Farm Insurance Agent
  2122 General Booth Blvd #102 – Virginia Beach, VA 23454 – (757) 721-3300 – View Map
• Jessica Hester – State Farm Insurance Agent
  2247 W Great Neck Rd #102 – Virginia Beach, VA 23451 – (757) 481-1840 – View Map

More Virginia Beach agents

Independent Agents

Agents that elect to be independent are not required to write business for one company and that gives them the ability to insure through many different car insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can just switch to a different company and you won’t have to switch agencies. If you need lower rates, it’s a good idea to include rate quotes from a few independent agents in order to have the best price comparison. Most can insure with small mutual carriers who may have lower rates.

Below are Virginia Beach independent insurance agents that are able to give rate quotes.

• Nationwide Insurance: Mayo Insurance Agency Inc
  1917 Laskin Rd Ste 101 – Virginia Beach, VA 23454 – (757) 496-5685 – View Map
• Nationwide Insurance: The Braun Agency Inc
  6062 Indian River Rd Ste 101 – Virginia Beach, VA 23464 – (757) 420-2060 – View Map
• Nationwide Insurance: Chesson Insurance Agency Inc
  307 Lynnhaven Pkwy Ste 201 – Virginia Beach, VA 23452 – (757) 464-4443 – View Map

More Virginia Beach agents

Insurance is not optional in Virginia

Despite the potentially high cost of Pontiac G6 insurance, buying insurance may be required for several reasons.

• The majority of states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability insurance if you drive a vehicle. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
• If you took out a loan on your vehicle, it’s most likely the lender will require that you buy full coverage to guarantee loan repayment. If you do not pay your insurance premiums, the lender will be forced to insure your Pontiac at an extremely high rate and make you pay for the expensive policy.
• Insurance safeguards not only your vehicle but also your assets. It will also reimburse you for all forms of medical expenses that are the result of an accident. Liability insurance also covers legal expenses if you are sued as the result of an accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of carrying enough insurance are definitely more than the cost, particularly if you ever have a claim. Despite what companies tell you, the average driver overpays as much as $865 each year so you should quote and compare rates at every renewal to help ensure money is not being wasted.

Detailed coverages of your auto insurance policy

Understanding the coverages of a auto insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive protection – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, falling objects and theft. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages – Liability insurance protects you from damage that occurs to a person or their property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/20 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $20,000 paid for damaged property.

Liability coverage protects against claims like court costs, legal defense fees, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford. Virginia state law requires minimum liability limits of 25/50/20 but drivers should carry higher limits.

The next chart demonstrates why minimum state limits may not be enough coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Pontiac G6.

Due to the fact that many Virginia drivers only purchase the least amount of liability that is required (which is 25/50/20), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like doctor visits, ambulance fees and X-ray expenses. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Collision coverage – Collision coverage pays for damage to your G6 resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, crashing into a ditch, colliding with a tree, damaging your car on a curb and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible on your G6 to get cheaper collision coverage.

Find affordable insurance prices by comparing often

In this article, we presented a lot of information how to save on Pontiac G6 insurance in Virginia Beach. It’s most important to understand that the more you quote Virginia Beach car insurance, the better chance you’ll have of finding affordable Pontiac G6 insurance quotes. You may even discover the lowest premium rates are with the least-expected company.

Cheaper Pontiac G6 insurance in Virginia Beach is possible on the web in addition to local insurance agencies, so get free Virginia Beach car insurance quotes from both of them to get a complete price analysis. Some insurance providers may not offer online price quotes and usually these smaller companies only sell coverage through independent agencies.

Insureds who switch companies do it for many reasons like being labeled a high risk driver, not issuing a premium refund, unfair underwriting practices and even extreme rates for teen drivers. No matter why you want to switch, finding a new company is not as difficult as it may seem.

Steps to finding low-cost Pontiac G6 insurance in Virginia Beach

If saving the most money is your goal, then the best way to find lower priced Pontiac G6 insurance in Virginia Beach is to regularly compare quotes from companies who provide auto insurance in Virginia.

1. Try to understand how insurance companies determine prices and the factors you can control to prevent expensive coverage. Many rating criteria that increase rates like multiple speeding tickets and a negative credit history can be amended by paying attention to minor details.
2. Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like GEICO or Allstate, while agents who are independent can quote prices for many different companies. View a list of agents
3. Compare the new rates to your existing rates and see if you can save money. If you find better rates and make a switch, verify that coverage does not lapse between policies.

One bit of advice is to try to compare identical coverage information on every quote request and and to get price estimates from every company you can. This ensures an apples-to-apples comparison and the best price selection.

More tips and info about insurance can be read by following these links:

• Rental Car Insurance Tips (Insurance Information Institute)
• How Much are Car Insurance Rates for Drivers Requiring a SR22 in Virginia Beach? (FAQ)
• How Much is Car Insurance for Drivers with a DUI in Virginia Beach? (FAQ)
• Who Has the Cheapest Virginia Beach Auto Insurance for Drivers Over Age 70? (FAQ)
• What Car Insurance is Cheapest for High Risk Drivers in Virginia Beach? (FAQ)
• Who Has Cheap Virginia Beach Auto Insurance Rates for Lyft Drivers? (FAQ)
• Protecting Teens from Drunk Driving (Insurance Information Institute)
• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• Protect Yourself Against Auto Theft (Insurance Information Institute)
• Teen Driving Statistics (iihs.org)