Are you looking for a better way to compare more competitive Pontiac G6 insurance in Houston? If you are new to getting Houston auto insurance quotes online, chances are good that you are confused thanks to the incredible selection of companies competing for business in Houston.
Astonishing but true, a large majority of drivers have remained with the same insurance company for a minimum of four years, and just under half have never compared quotes from other companies. Most drivers in the United States could save roughly 46.5% a year by just comparing rate quotes, but they underestimate how much savings they would realize if they replace their high priced policy.
It’s a good idea to compare premium rates before your next renewal since rates change frequently. Just because you had the lowest rate on Pontiac G6 insurance in Houston a couple years back you can probably find a better price now. Forget anything you know (or think you know) about insurance because you’re going to get a crash course in the proper way to find better rates and still maintain coverage.
Cheaper rates with these price cutting discounts
Companies don’t necessarily list every discount they offer in a way that’s easy to find, so the next list breaks down a few of the more common and also the more inconspicuous credits that may apply to you.
- Full Payment Discount – If paying your policy premium upfront instead of making monthly payments you can avoid monthly service charges.
- Multi-policy Discount – When you have multiple policies with the same insurance company you may save up to 20% off your total G6 insurance premium.
- Multi-Vehicle Discounts – Buying insurance for multiple vehicles on the same auto insurance policy can reduce the rates for all insured vehicles.
- Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better auto insurance rates if you take out auto and life insurance together.
- Theft Deterrent System – Cars with anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
- College Student – College-age children who are attending college and don’t have a car can receive lower rates.
- Good Driver Discounts – Drivers who don’t get into accidents can save as much as half off their rates compared to accident prone drivers.
- Student Driver Training – Have your child complete a driver education course as it will make them better drivers and lower rates.
- Early Switch Discount – A few insurance companies give discounts for switching companies before your current expiration date. It’s a savings of about 10%.
- Service Members Pay Less – Having a family member in the military could trigger a small discount.
You should keep in mind that most of the big mark downs will not be given to the entire cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.
A list of companies and their possible discounts can be found below.
- State Farm discounts include driver’s education, student away at school, passive restraint, accident-free, good driver, Drive Safe & Save, and multiple policy.
- American Family may offer discounts for bundled insurance, Steer into Savings, defensive driver, TimeAway discount, accident-free, mySafetyValet, and good driver.
- GEICO includes discounts for good student, anti-lock brakes, five-year accident-free, emergency military deployment, military active duty, and seat belt use.
- 21st Century may include discounts for defensive driver, anti-lock brakes, teen driver, student driver, good student, theft prevention, and early bird.
- Progressive offers premium reductions for online signing, online quote discount, continuous coverage, good student, multi-vehicle, and multi-policy.
Before buying, ask all companies you are considering how many discounts you can get. Discounts may not apply to policyholders in your state. If you would like to see a list of auto insurance companies with significant discounts in Houston, follow this link.
When shopping for Pontiac G6 insurance in Houston there are multiple ways to obtain and compare prices from many auto insurance companies in Texas. The easiest way by far to find cheaper Pontiac G6 rates consists of obtaining rate quotes online.
Just keep in mind that more quotes increases the chance that you will find a lower rate. Some regional insurers cannot provide online price quotes, so you also need to get prices from them as well.
The companies shown below are ready to provide quotes in Houston, TX. If multiple companies are shown, it’s highly recommended you get rate quotes from several of them to get the most affordable price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $254 | $512 | $430 | $26 | $128 | $1,350 | $113 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can decrease or increase insurance rates substantially.
Auto insurance rates by age and gender
The chart below illustrates the comparison of Pontiac G6 yearly insurance costs for male and female drivers. The rates are based on no accidents or driving violations, full physical damage coverage, $250 deductibles, marital status is single, and no additional discounts are factored in.
Where to set your deductibles
When comparing auto insurance rates, the most common question is where should you set your physical damage deductibles. The comparison tables below illustrate the rate difference of buying low and high insurance deductibles. The first pricing table uses a $250 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in Houston location which can change coverage prices considerably.
Based on this data, using a $250 deductible costs roughly $27 more each month or $324 annually than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 28 months between claims, you would probably save some money by going with a higher deductible.
Policy deductibles
The chart below shows how choosing a deductible and can change Pontiac G6 insurance premiums for different insured age categories. The premiums assume a single male driver, full physical damage coverage, and no discounts are taken into consideration.
Special considerations
Keep in mind that when it comes to choosing adequate coverage for your vehicles, there really is no “best” method to buy coverage. Your situation is unique so this has to be addressed.
For instance, these questions can help discover if your situation could use an agent’s help.
- What if a claim settlement is too low?
- Does my medical payments coverage pay my health insurance deductible?
- Is there a penalty for late payment?
- Am I covered when driving in Canada or Mexico?
- Are rental cars covered under my policy?
- What are the liability requirements in my state?
- How do I buy GAP insurance?
- When does my teenage driver need to be added to my policy?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.
When should I talk to a local insurance agent?
Some consumers still prefer to sit down and talk to an agent. A good thing about comparing rate quotes online is the fact that you can find cheaper auto insurance rates and still choose a local agent. Buying from local insurance agents is important especially in Houston.
Once you complete this quick form, the quote information is sent to companies in Houston who can give free rate quotes for your car insurance coverage. There is no need to search for an agent since rate quotes are delivered to your email. It’s the lowest rates and an insurance agent to talk to. If you wish to compare prices for a specific company, feel free to navigate to their website and submit a quote form there.
Pick the best auto insurance agent in Houston for you
If you’re trying to find a local insurance agency, it can be helpful to understand the types of agencies and how they differ in how they can insure your vehicles. Insurance agencies in Houston can be classified as either exclusive agents or independent agents.
Independent Agents
Agents that elect to be independent are not limited to a single company so they can insure your vehicles with a variety of different insurance companies and find the cheapest car insurance rates. If you are not satisfied with one company, your agent can switch companies and you stay with the same agent. If you need cheaper car insurance rates, you should always contact several independent agencies to ensure the widest selection of prices. A lot of them also have access to lesser-known insurance companies which may have better rates.
Listed below is a small list of independent agents in Houston that may be able to give you free car insurance rate quotes.
- Baxter Insurance Agency, Inc.
450 North Sam Houston Pkwy E #103 – Houston, TX 77060 – (281) 445-1381 – View Map - Texas General Insurance Agency
2500 West Loop S #210 – Houston, TX 77027 – (713) 622-5977 – View Map - Texas Insurance
210 W Greens Rd # B – Houston, TX 77067 – (281) 872-6100 – View Map
Exclusive Agencies
Exclusive agencies can only provide pricing for a single company and examples are Farmers Insurance, American Family, State Farm and Allstate. They are unable to provide other company’s prices so keep that in mind. Exclusive agents are trained well on sales techniques and that can be a competitive advantage. A lot of people buy insurance from these agents partially due to the brand name instead of buying on price only.
The following are exclusive agents in Houston that can give you price quotes.
- State Farm: Ken Quach
6489 Wilcrest Dr – Houston, TX 77072 – (281) 498-1010 – View Map - Anna Santa Ana – State Farm Insurance Agent
7710 Cherry Park Dr d – Houston, TX 77095 – (281) 550-0333 – View Map - Brandon Herndon – State Farm Insurance Agent
10103 Fondren Rd #150 – Houston, TX 77096 – (832) 431-4222 – View Map
Finding the right insurance agent needs to be determined by more than just the bottom line cost. You should also get answers to these questions.
- If you are a high risk driver, do they have special markets for your coverage?
- Is the agent and/or agency licensed to do business in Texas?
- What are their preferred companies if they are an independent agency?
- Do they have designations such as AIC, CPCU, or CIC?
- How long has their agency been in business in Houston?
- How many companies do they write for?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
Once you have positive feedback to any questions you have and locked in a price quote, you have narrowed it down to a car insurance agent that meets the criteria to properly insure your vehicles. But keep in mind consumers can terminate your policy whenever you choose to so never assume that you are permanently stuck with any specific company for the full policy term.
In Summary
Throughout this article, we presented quite a bit of information on how to compare Pontiac G6 insurance premium rates in Houston. It’s most important to understand that the more companies you get prices for, the better your comparison will be. You may even be surprised to find that the most savings is with a small local company. Regional companies may often insure only within specific states and give better rates as compared to the big name companies such as State Farm and Allstate.
As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced uninsured motorist or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your goal should be to buy enough coverage for the lowest cost and still be able to protect your assets.
Additional information can be found at the links below
- Event Data Recorders FAQ (iihs.org)
- Who Has Affordable Auto Insurance for College Graduates in Houston? (FAQ)
- Who Has Affordable Car Insurance Rates for a Chevrolet Silverado in Houston? (FAQ)
- Who Has Affordable Car Insurance for 18 Year Olds in Houston? (FAQ)
- Frontal Crash Tests (iihs.org)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Booster Seat Ratings (iihs.org)