Car Insurance Rates for a Pontiac G6 in Anchorage

The preferred way to quote cheaper Pontiac G6 insurance is to start comparing prices yearly from different companies that sell auto insurance in Anchorage. This can be done by completing these steps.

First, take a little time to learn about auto insurance and the modifications you can make to prevent expensive coverage. Many rating factors that increase rates like tickets, at-fault accidents, and a negative credit score can be rectified by making small lifestyle or driving habit changes. Continue reading for additional ideas to help keep rates affordable and find missing discounts.

Second, get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from a single company like GEICO or Allstate, while agents who are independent can quote prices from many different companies.

Third, compare the quotes to your existing rates and see if you can save money. If you find a better price and change companies, verify that coverage does not lapse between policies.

One tip to remember is to try to use the same amount of coverage on every quote and to quote with as many companies as you can. Doing this guarantees the most accurate price comparison and a thorough price selection.

It’s well known that insurance companies don’t want you shop around. People who shop around once a year will probably switch to a new company because the odds are good of finding lower rate quotes. A study showed that consumers who compared rates annually saved as much as $865 annually compared to those who never compared other company’s rates.

If finding the cheapest rates on Pontiac G6 insurance in Anchorage is the reason you’re reading this, then having a grasp of how to compare car insurance can help you succeed in saving money.

Locating the best rates in Anchorage is really not that difficult. If you currently have a car insurance policy, you will most likely be able to shop for the lowest rates using the ideas presented in this article. Consumers just need to use how to compare insurance rates instantly.

Low cost Pontiac G6 insurance prices in Anchorage, Alaska

The providers in the list below are ready to provide quotes in Anchorage, AK. To find the cheapest car insurance in Anchorage, we suggest you compare several of them to get a more complete price comparison.

Take policy discounts and save on Pontiac G6 insurance in Anchorage

Insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that may help make it more affordable. Certain discounts will be applied when you complete an application, but lesser-known reductions have to be manually applied before you get the savings. If you’re not getting every credit available, you could be getting lower rates.

• Passive Restraint Discount – Factory options such as air bags and/or automatic seat belt systems could see savings of 20% or more.
• Multi-car Discount – Having all your vehicles with the same company qualifies for this discount.
• No Claim Discounts – Insureds who avoid accidents and claims pay much less as opposed to accident-prone drivers.
• Theft Prevention System – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and earn discounts up to 10% off your Anchorage car insurance quote.
• Auto/Home Discount – If you can bundle your homeowners and auto insurance with one company you could get a discount of at least 10% off all policies.
• Distant Student Discount – Any of your kids who live away from home at college without a vehicle on campus may be able to be covered for less.
• Professional Organizations – Being in qualifying employment or professional organizations can get you a small discount when shopping for insurance.

Discounts lower rates, but some credits don’t apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, insurance companies aren’t that generous.

The chart below shows the comparison of Pontiac G6 premium costs with and without some available policy discounts. The premiums are based on a male driver, no accidents or driving violations, Alaska state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-car, claim-free, multi-policy, and homeowner discounts applied.

Companies that may include these discounts include:

• State Farm
• GEICO
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

When comparing rates, check with each company which credits you are entitled to. Depending on the company, some discounts may not apply to policies in Anchorage.

Rates and data analysis

The data table displayed below highlights different rate quotes for Pontiac G6 models. Having insight into how insurance policy premiums are determined can assist in making informed decisions when shopping around for a new policy.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alaska minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in your specific Anchorage location which can lower or raise prices greatly.

Higher deductibles save money

A question often asked by Anchorage drivers is at what level do you set your deductibles. The figures shown below summarize how much more you’ll pay between high and low comp and collision deductibles. The first price estimate table uses a $100 deductible for comp and collision and the second pricing table uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Table data does not factor in zip code location which can revise coverage rates noticeably.

Based on the figures above, using a $100 deductible will cost you roughly $19 more each month or $228 each year averaged for all G6 models than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you go at least 21 months between claims, you would save money by going with a higher deductible.

One thing to note is that increasing deductibles to lower your rates means you will have to pay more out-of-pocket when you have to file a claim. You need to make sure you have some savings in the bank in the event you need to pay the deductible to have repairs made.

Male drivers compared to female drivers in Anchorage

The example below illustrates the comparison of Pontiac G6 yearly insurance costs for male and female drivers. The rate quotes are based on no claims, a clean driving record, full physical damage coverage, $100 deductibles, single status, and no policy discounts are applied.

Get rate quotes but work with a local Anchorage insurance agency

A small number of people still prefer to talk to a local agent and we recommend doing that Licensed agents can help you build your policy and give you someone to call. A nice benefit of comparing insurance online is you may find cheap rate quotes but still work with a licensed agent.

After filling out this quick form, the coverage information is emailed to local insurance agents who will gladly provide quotes for your insurance coverage. There is no reason to contact any insurance agencies because quoted prices will be sent immediately to you. If you wish to compare rates from one company in particular, you just need to find their quoting web page and give them your coverage information.

Deciding on an insurance company is decision based upon more than just the premium amount. Ask your prospective agent these questions:

• Where would glass claims be handled in Anchorage?
• Is the agent CPCU or CIC certified?
• Are they giving you every discount you deserve?
• Are they actively involved in the community?
• When do they do a full risk review?
• How many years have they been established?

If you want to use a local insurance agency, it’s helpful to know the different agency structures and how they are distinctly different. Agents are classified as either independent or exclusive depending on the company they work for. Both types can insure your vehicles, but it’s important to know the difference in the companies they write for since it could factor into the type of agent you choose.

Exclusive Agents

Exclusive agencies generally can only insure with one company and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to compare other company’s rates so they really need to provide good service. Exclusive agents are trained well on their company’s products and that allows them to sell at a higher price point.

Below is a list of exclusive agencies in Anchorage willing to provide comparison quotes.

View more Anchorage agents

Independent Insurance Agents

Independent insurance agents do not have single company limitations so as a result can place your coverage with a variety of different insurance companies depending on which coverage is best. If they quote lower rates, they can switch companies in-house without you having to go to a different agency. When comparing rate quotes, it’s recommended you get some free quotes from several independent insurance agents so that you can do a thorough price comparison.

The following is a short list of independent insurance agencies in Anchorage willing to provide price quotes.

View more Anchorage agents

Why Informed Drivers Pay Less for Pontiac G6 Insurance

It’s important that you understand the rating factors that go into determining your policy premiums. When you understand what influences your rates, this enables informed choices that can earn you better insurance rates. Lots of factors are used in the calculation when premium rates are determined. Some factors are common sense like a motor vehicle report, but some are less obvious like where you live or your commute time.

The items below are some of the factors utilized by car insurance companies to help set your rates.

• More performance means higher prices – The performance of the car you own makes a substantial difference in your premium level. The lowest performance passenger cars usually have the lowest rates, but there are many factors that impact the final cost.

  The following data uses these variables: married female driver age 50, full coverage with $100 deductibles, and no discounts or violations. It shows Pontiac G6 car insurance rates compared to other models of vehicles that have different risk factors.

• Lower premiums for being claim-free – If you file a lot of claims you can look forward to either policy cancellation or increased premiums. Car insurance companies in Alaska give lower rates to insureds who do not file claims often. Auto insurance is designed for major claims that would cause financial hardship.

• Experienced drivers are lower risk – Beginning drivers in Alaska are proven to be careless and easily distracted when at the wheel of a vehicle so insurance rates are higher. Older insureds are more responsible, statistically cause fewer accidents, and usually have better credit.

  The chart below uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.

• Responsible drivers pay less – A bad driving record influences premium rates substantially. Attentive drivers get better rates compared to bad drivers. Even a single ticket can boost insurance rates to the point where it’s not affordable. Drivers who get license-revoking citations such as reckless driving or DUI might be required by their state to complete a SR-22 with their state’s licensing department in order to prevent their license from being revoked.

  The diagram below demonstrates how speeding tickets and accident claims can drive up Pontiac G6 yearly insurance costs for different age groups of insureds. The premium estimates are based on a single female driver, full coverage, $500 deductibles, and no policy discounts are applied.

• Costs can change based on your address – Having an address in small towns and rural areas is a positive aspect when talking about insurance. Urban drivers have congested traffic and much longer commute distances. Fewer people means fewer accidents in addition to lower liability claims.
• Cars with good safety ratings cost less to insure – Vehicles that have high safety ratings can get you lower premiums. The safest vehicles reduce occupant injuries and better occupant protection translates into fewer and smaller insurance claims and lower rates for you.
• Lower premiums with no policy lapses – Driving without insurance can get your license suspended and you will pay a penalty because you let your insurance coverage expire. Not only will rates go up, being ticketed for driving with no insurance may result in a revoked license or a big fine.
• Lower coverage deductibles cost more – Comprehensive and collision coverage deductibles state the amount of money the insured will be required to pay before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some coverage claims are a windshield broken by a bird, animal collisions, or theft of your vehicle. The more the insured is willing to pay, the less money you will pay for insurance.

Three good reasons to insure your G6

Despite the high insurance cost for a Pontiac G6 in Anchorage, car insurance serves several important purposes.

First, the majority of states have minimum liability requirements which means it is punishable by state law to not carry a specific minimum amount of liability in order to drive the car. In Alaska these limits are 50/100/25 which means you must have $50,000 of bodily injury coverage per person, $100,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your Pontiac G6 has a lienholder, almost every bank will require you to carry insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank will be required to insure your Pontiac for a lot more money and require you to pay the higher price.

Third, car insurance preserves your vehicle and your assets. It also can pay for medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay attorney fees if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, your policy will pay to repair the damage.

The benefits of having insurance greatly outweigh the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver overpays as much as $830 a year so smart consumers compare quotes each time the policy renews to ensure rates are competitive.

Ratings for Anchorage car insurance companies

Selecting the highest-rated insurer can be rather challenging considering how many choices drivers have in Alaska. The ranking data in the lists below could help you choose which providers to look at when looking for cheaper rates.

Top 10 Anchorage Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 94%
2. AAA Insurance – 91%
3. State Farm – 90%
4. GEICO – 89%
5. The Hartford – 89%
6. The General – 88%
7. 21st Century – 88%
8. Allstate – 88%
9. Liberty Mutual – 88%
10. Esurance – 87%

Top 10 Anchorage Car Insurance Companies Overall

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Progressive
9. Allstate
10. Liberty Mutual

One last note

Budget-friendly auto insurance in Anchorage can be purchased online as well as from independent agents in Anchorage, and you need to comparison shop both so you have a total pricing picture. Some insurance providers may not provide the ability to get a quote online and most of the time these regional carriers sell through independent agencies.

We’ve covered a lot of information how to save on Pontiac G6 insurance in Anchorage. The key concept to understand is the more times you quote, the better your chances of lowering your rates. You may even be surprised to find that the biggest savings come from the smaller companies. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.

More detailed auto insurance information can be read by following these links:

• Steps to Take After an Auto Accident (Insurance Information Institute)
• How Much is Anchorage Auto Insurance for a Kia Forte? (FAQ)
• How Much is Auto Insurance for Teachers in Anchorage? (FAQ)
• Who Has Cheap Auto Insurance for Low Mileage Drivers in Anchorage? (FAQ)
• How to shop for a safer car (Insurance Institute for Highway Safety)
• Teen Driving Statistics (iihs.org)