We don’t have to tell you that car insurance companies don’t want policyholders to shop around. Consumers who shop around will, in all likelihood, switch insurance companies because of the good chance of finding lower rate quotes. Surprisingly, a recent survey revealed that people who routinely shopped around saved about $70 a month as compared to drivers who don’t make a habit of comparing rates.
If finding the lowest price on Pontiac G6 insurance in Memphis is your intention, then knowing how to quote and compare cheaper coverage can make it easier to find better rates.
It takes a little time, but the best way to get low-cost Pontiac G6 insurance in Memphis is to do a yearly price comparison from companies who provide car insurance in Tennessee. Drivers can shop around by following these steps.
First, try to learn a little about how insurance works and the modifications you can make to prevent high rates. Many rating factors that result in higher prices like your driving record and your credit history can be rectified by being financially responsible and driving safely.
Second, request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or Allstate, while independent agents can quote rates for many different companies. View a list of agents
Third, compare the new rate quotes to your existing rates and see if you can save money. If you can save money, make sure there is no coverage gap between policies.
The most important part of shopping around is to compare the same liability limits and deductibles on each quote request and and to get price estimates from as many carriers as you can. Doing this enables a fair price comparison and the best price selection.
If you are insured now or just want a better rate, you can use these tips to shop for the lowest rates without sacrificing coverage. Pricing affordable car insurance policy in Memphis is simple if you know the tricks. Comparison shoppers just need to understand the proper methods to compare different rates from many different companies.
Lowering your Pontiac G6 insurance rates is not a difficult process. Consumers just need to spend a few minutes getting comparison quotes to find the company with inexpensive Memphis auto insurance quotes.
The companies shown below offer price comparisons in Tennessee. If multiple companies are listed, we suggest you click on several of them to get the lowest price.
Affordable Memphis auto insurance quotes with discounts
Companies do not advertise their entire list of discounts very well, so the list below contains both well-publicized and the harder-to-find credits that may apply to you.
- Defensive Driver – Participating in a defensive driving course can save you 5% or more depending on where you live.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
- Discount for Good Grades – Excelling in school may save you up to 25%. This discount can apply up until you turn 25.
- College Student Discount – Kids who live away from home at college and leave their car at home can receive lower rates.
- Claim-Free Discount – Claim-free drivers are rewarded with significantly better rates on Memphis auto insurance quote as compared to bad drivers.
You should keep in mind that most discount credits are not given to all coverage premiums. Most only cut individual premiums such as liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, it just doesn’t work that way.
The diagram below shows the difference between Pontiac G6 car insurance rates with and without policy discounts. The information is based on a male driver, no violations or claims, Tennessee 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 homeowner, multi-policy, claim-free, safe-driver, marriage, and multi-car discounts applied.
The best auto insurance companies and a partial list of their discounts are outlined below.
- State Farm may include discounts for multiple autos, good student, Drive Safe & Save, good driver, passive restraint, and student away at school.
- GEICO policyholders can earn discounts including emergency military deployment, daytime running lights, air bags, defensive driver, multi-policy, membership and employees, and military active duty.
- Allstate has savings for eSmart discount, anti-theft, anti-lock brakes, new car, multi-policy, teenSMART discount, and premier discount.
- SAFECO may offer discounts for bundle discounts, anti-theft, teen safety rewards, anti-lock brakes, and drive less.
- Farm Bureau offers discounts for renewal discount, multi-policy, 55 and retired, safe driver, driver training, good student, and multi-vehicle.
- Progressive discounts include good student, online quote discount, multi-policy, continuous coverage, homeowner, and multi-vehicle.
- AAA offers premium reductions for education and occupation, good driver, multi-policy, AAA membership discount, and anti-theft.
Before you buy a policy, ask every insurance company to give you their best rates. All car insurance discounts may not apply to policies in your area. To view auto insurance companies with the best Pontiac G6 insurance discounts in Tennessee, follow this link.
Rates and statistics
The premium information shown below covers detailed analysis of coverage prices for Pontiac G6 models. Having a better understanding of how rates are determined is important for you to make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $192 | $372 | $272 | $16 | $82 | $934 | $78 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in vehicle garaging location which can raise or lower coverage rates substantially.
Higher deductibles lower rates
One of the hardest decisions when shopping for insurance is which comprehensive and collision deductibles to buy. The premium rates below can help you understand the rate difference between low and high physical damage deductibles. The first set of prices uses a $100 physical damage deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $248 | $448 | $288 | $18 | $86 | $1,113 | $93 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $182 | $304 | $288 | $18 | $86 | $878 | $73 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can impact price quotes significantly.
Using the premium rates above, we can conclude that using a $100 deductible will cost you about $20 more each month or $240 each year across all Pontiac G6 models than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you have at least 20 months between claims, you would save more money if you decide on a higher deductible.
The information below illustrates how your deductible choice and can increase or decrease Pontiac G6 insurance costs for each age group. The prices are based on a married male driver, comp and collision included, and no discounts are applied.
Reckless driving habits raise insurance rates
The example below demonstrates how traffic citations and at-fault fender-benders impact Pontiac G6 insurance premiums for different age groups. The premiums are based on a married female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
Components of Your Pontiac G6 Insurance Costs
A large part of saving on auto insurance is knowing some of the elements that help determine the level of your policy premiums. If you know what controls the rates you pay, this empowers consumers to make smart changes that can earn you lower premium levels.
The following are a partial list of the pieces used by your company to calculate your rate level.
Alarm systems save money – Driving a car that has an advanced theft prevention system can get you a discount on your auto insurance. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop your car from being stolen.
Cheaper rates by bundling – Lots of insurance companies will give a discount to buyers that have more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, you still need to compare Pontiac G6 rates in Memphis to guarantee you are still saving the most.
Gals pay lower rates – The statistics show that women are safer drivers than men. However, this does not mean males are worse at driving than females. Females and males tend to get into at-fault accidents in similar percentages, but men get into accidents with more damage. Not only that, but men also get higher numbers of serious violations like reckless driving and DUI. Males from age 16 to 21 are several times more likely to be in an accident so it costs more to insure them.
The example below visualizes the comparison of Pontiac G6 auto insurance costs for male and female drivers. The rates are based on a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, marital status is single, and no additional discounts are factored in.
Lower rates for married couples – Your spouse helps lower the price on auto insurance. Marriage translates into being more mature and responsible and statistics show married drivers tend to file fewer claims.
Local Memphis insurance agents
A small number of people still like to get advice from a local agent and often times that is recommended Professional insurance agents can answer important questions and help file insurance claims. One of the best bonuses of comparing insurance prices online is you may find cheap rate quotes and still choose a local agent.
To make it easy to find an agent, after completing this form (opens in new window), your insurance data is immediately sent to participating agents in Memphis that can provide free Memphis auto insurance quotes for your coverage. It simplifies rate comparisons since you won’t have to find an agent as quotes are delivered straight to your inbox. If you wish to get a rate quote from one company in particular, you can always visit that company’s website and fill out the quote form the provide.
Finding the right provider should include more criteria than just a cheap price. Get answers to these questions too.
- How long have they been in business?
- How many years of experience in personal auto insurance do they have?
- Will the company cover a rental car if your car is getting fixed?
- Will one accident increase rates?
- Is insurance their full-time profession?
If you would like to find a local Memphis insurance agent, you must know there are a couple types of insurance agents to choose from. Auto insurance agents in Memphis are considered either exclusive or independent agents depending on their company appointments. Both can do a good job, but it is important to understand how they differ because it may have an impact on your selection of an agent.
Exclusive Agents
Exclusive agents normally can only provide a single company’s rates like State Farm, Allstate, or Farmers Insurance. They are unable to shop your coverage around so they are skilled at selling on more than just price. They are usually quite knowledgeable on their company’s products which helps them compete with independent agents. Some people will only buy from exclusive agents mainly due to high brand loyalty rather than having low rates.
The following is a short list of exclusive agents in Memphis willing to provide price quotes.
- Allstate Insurance: Brandon Goodrich
3725 Riverdale Rd Ste 4 – Memphis, TN 38115 – (901) 794-0080 – View Map - Henry Hooper II – State Farm Insurance Agent
348 S Main St – Memphis, TN 38103 – (901) 575-0001 – View Map - Rickey Jeans – State Farm Insurance Agent
4285 Elvis Presley Blvd – Memphis, TN 38116 – (901) 346-0300 – View Map
Independent Agencies or Brokers
Agents that choose to be independent are not required to write business for one company so they can insure your vehicles with an assortment of companies and find you cheaper rates. If you are not satisfied with one company, they simply switch companies in-house and you can keep the same agent.
When comparing auto insurance prices, it’s recommended you get insurance quotes from multiple independent agents in order to compare the most rates. Most independent agents also contract with smaller mutual companies that can offer cheaper rates than bigger companies.
Below is a list of independent insurance agents in Memphis that can give you rate quotes.
- Nationwide Insurance: The James Agency LLC
4778 Summer Ave Ste 1 – Memphis, TN 38122 – (901) 266-5507 – View Map - Farris Evans Insurance Agency Inc
1568 Union Ave – Memphis, TN 38104 – (901) 274-5424 – View Map - Clay and Land Insurance, Inc.
866 Ridgeway Loop Rd #200 – Memphis, TN 38120 – (901) 767-3600 – View Map
A little work can save a LOT of money
Consumers who switch companies do it for many reasons like not issuing a premium refund, an unsatisfactory settlement offer, policy cancellation or even questionable increases in premium. It doesn’t matter why you want to switch finding the right insurance provider can be easier than you think.
We covered many tips how you can shop for Pontiac G6 insurance online. The most important thing to understand is the more providers you compare, the better your chances of lowering your premium rates. You may even find the lowest priced insurance comes from the least-expected company.
Cheap Pontiac G6 insurance in Memphis is attainable on the web and also from your neighborhood Memphis agents, and you should be comparing both in order to have the best price selection to choose from. Some companies may not offer online price quotes and most of the time these regional insurance providers work with local independent agencies.
Additional detailed information is available in the articles below:
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Who Has Affordable Memphis Auto Insurance for College Students? (FAQ)
- Who Has Affordable Car Insurance for Drivers Under 21 in Memphis? (FAQ)
- Who Has Cheap Memphis Auto Insurance for Business Use? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Preventing Carjacking and Theft (Insurance Information Institute)