Auto Insurance Rate Quotes for a Pontiac G6 in Long Beach

Insurance rates Pontiac G6 in Long BeachDo you need a fast way to compare lower-priced Pontiac G6 insurance in Long Beach? Vehicle owners fed up with high insurance rates and are new to comparing rates online are likely to discover locating affordable Pontiac G6 insurance rates in Long Beach can be quite challenging.

It goes without saying that auto insurance companies want to prevent you from shopping around. Drivers who shop around for cheaper price quotes will presumably switch insurance companies because there is a great chance of finding discount prices. A recent insurance study discovered that consumers who compared prices once a year saved on average $850 each year compared to those who don’t make a habit of comparing rates.

If finding the best price on auto insurance in Long Beach is your intention, knowing the best ways to find and compare insurance rates can save money and time.

If you already have coverage, you will surely be able to lower your rates using this information. The goal of this article is to let you in on how auto insurance companies operate and some tips to save money. But California vehicle owners benefit from understanding how the larger insurance companies charge you for coverage and use this information to your advantage.

Rates and other information

The premium information displayed next highlights detailed analysis of insurance rates for Pontiac G6 models. Learning how policy premiums are calculated can help drivers make informed decisions.


Pontiac G6 Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $342 $576 $442 $26 $132 $1,518 $127
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rates do not factor in your specific Long Beach location which can change coverage rates greatly.

Physical damage deductibles: Should you raise them?

When comparing auto insurance rates, the most common question is where should you set your physical damage deductibles. The figures shown below illustrate the premium difference of buying low and high insurance deductibles. The first rate estimation uses a $250 deductible and the second data table uses a $500 deductible.


Pontiac G6 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $342 $576 $442 $26 $132 $1,543 $129
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Pontiac G6 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
G6 4-Dr Sedan $278 $464 $442 $26 $132 $1,342 $112
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Premium costs do not factor in specific zip code location which can revise price quotes noticeably.

Based on the data above, we can derive that using a $250 deductible will cost you roughly $17 more each month or $204 each year across all Pontiac G6 models than opting for the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you have more than 15 months between claims, you would more than likely save some money if you choose a higher deductible.

Decisions You Make Can Impact Your Insurance Prices

The best way to find cheaper insurance is to take a look at some of the elements that are used to determine the rates you pay for insurance. If you have some idea of what determines premiums, this empowers consumers to make smart changes that can earn you big savings. Lots of things are taken into consideration when you get your auto insurance bill. Most are fairly basic like an MVR report, but other factors are not quite as obvious like your vehicle usage and annual miles driven.

Car insurance companies ranked

Insuring your vehicle with a highly-rated auto insurance company is hard considering how many companies sell insurance in California. The rank data below can help you select which car insurance companies to look at when shopping your coverage around.

Top 10 Long Beach Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Quote often and quote early

A few companies may not offer internet price quotes and many times these smaller providers only sell through independent agencies. Cost effective Pontiac G6 insurance can be bought on the web in addition to many Long Beach insurance agents, so you should be comparing quotes from both to get a complete price analysis.

When trying to cut insurance costs, it’s very important that you do not reduce needed coverages to save money. In many instances, consumers will sacrifice collision coverage and discovered at claim time that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find for the lowest cost.

Steps to buying affordable Pontiac G6 insurance in Long Beach

If you want to save the most money, the best way to get the cheapest auto insurance rates is to do an annual price comparison from different companies in Long Beach. Rates can be compared by following these guidelines.

  1. Take a little time to learn about how car insurance works and the things you can control to prevent rate increases. Many factors that cause rate increases like your driving record and a low credit score can be eliminated by making small lifestyle or driving habit changes.
  2. Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from one company like GEICO or Farmers Insurance, while independent agents can give you price quotes for a wide range of companies. View rates
  3. Compare the price quotes to the price on your current policy to see if switching to a new carrier will save money. If you can save money and change companies, make sure there is no coverage gap between policies.

The most important part of shopping around is that you’ll want to compare the same liability limits and deductibles on each quote request and and to look at every company you can. Doing this ensures a fair rate comparison and the best rate selection.

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