Locating better insurance prices for a Pontiac G8 in Kentucky could be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to compare auto insurance rates so you’re going to learn the quickest way to get price quotes on a Pontiac and obtain the cheapest rates.
Best companies for Pontiac G8 insurance
The providers in the list below can provide price comparisons in Kentucky. If you want cheap car insurance in Kentucky, we recommend you compare several of them to find the cheapest auto insurance rates.
Discounts can help save money on Pontiac G8 insurance in Louisville
Some providers don’t always advertise every policy discount very clearly, so we researched some of the best known and also the lesser-known ways to save on insurance. If you aren’t receiving every discount possible, you could be saving more on your insurance.
- Accident-Free Discounts – Drivers who don’t have accidents can save substantially in comparison with drivers who are more careless.
- Driving Data Discount – People who choose to allow their company to study driving habits remotely such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if they exhibit good driving behavior.
- Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt may be able to save a few bucks off the personal injury premium cost.
- Online Discount – Certain companies may give you up to $50 for buying your policy on the internet.
- Renewal Discounts – Some companies give discounts for signing up before your current G8 insurance policy expires. You may see this discount when you get Louisville car insurance quotes online.
- Discount for Good Grades – Getting good grades could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
- Anti-lock Brake Discount – Cars, trucks, and SUVs with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
- Military Deployment Discount – Having a deployed family member could mean lower prices.
- Memberships – Affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums when shopping for insurance.
- Save with More Vehicles Insured – Insuring primary and secondary vehicles with the same company can get a discount on all vehicles.
Don’t be shocked that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. If you do the math and it seems like you could get a free insurance policy, you aren’t that lucky.
For a list of insurance companies who offer insurance discounts in Louisville, click this link.
Local insurance agents
Some consumers would rather have an agent’s advice and that can be a smart move Most agents are very good at helping people manage risk and will help you if you have claims. One of the best bonuses of comparing car insurance online is that drivers can save money and get lower rates and still have an agent to talk to.
To help locate an agent, after submitting this quick form, your insurance data is immediately sent to companies in Louisville who will give you bids for your car insurance coverage. It’s much easier because you don’t need to search for an agent since price quotes are sent to you directly. In the event you want to compare rates from a specific insurance company, you just need to jump over to their website and complete a quote there.
Selecting an insurer is decision based upon more than just the premium amount. The questions below may impact your decision as well.
- Is coverage determined by price?
- Does the agency support the community they serve?
- Are there any extra charges for paying monthly?
- How many years of experience in personal auto insurance do they have?
- Will you get a loaner vehicle if you car is being repaired?
- Which family members are covered?
- Are they full-time agents?
- When do they do a full risk review?
If you need to find a local agent, it can be helpful to understand the types of insurance agents that you can choose from. Agents in Louisville are classified as either independent agents or exclusive agents. Either one can properly insure your vehicles, but it is important to understand the difference in how they write coverage because it can factor into which type of agent you select.
Exclusive Agencies
Agents that elect to be exclusive have only one company to place business with and some examples include Farmers Insurance or State Farm. They usually cannot provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive insurance agents are highly trained on their products and sales techniques which helps them compete with independent agents. Consumers often buy from exclusive agents mainly due to the prominent brand name and the convenience of having all coverages with one company.
The following are Louisville exclusive agencies that can give you price quotes.
- Milt Nugent – State Farm Insurance Agent
1005 Dupont Square N – Louisville, KY 40207 – (502) 897-6426 – View Map - Matt Miller – State Farm Insurance Agent
8321 Preston Hwy – Louisville, KY 40219 – (502) 964-6288 – View Map - Vince Jarboe – State Farm Insurance Agent
5101 New Cut Rd – Louisville, KY 40214 – (502) 380-3800 – View Map
Independent Car Insurance Agents
These type of agents do not work for one specific company and that is an advantage because they can write policies through lots of different companies and find you the best rates. If prices rise, your agent can switch companies and you can keep the same agent.
When searching for an agent, you should always compare prices from several independent insurance agents to have the best price comparison. Most have the option of insuring with less well-known companies that many times have cheaper rates.
The following are Louisville independent agents that are able to give price quote information.
- Dick Watts Insurance
12200 Shelbyville Rd #112 – Louisville, KY 40243 – (502) 245-3625 – View Map - Braden Insurance Agency Inc.
3069 Breckenridge Ln – Louisville, KY 40220 – (502) 437-3926 – View Map - Nationwide Insurance: Jerry Kays Insurance Inc
3701 Taylorsville Rd #1a – Louisville, KY 40220 – (502) 459-0833 – View Map
Coverage specifics
Knowing the specifics of a auto insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as theft, hail damage and a broken windshield. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Collision – This will pay to fix damage to your G8 caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as hitting a parking meter, rolling your car, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible on your G8 to bring the cost down.
Auto liability insurance – Liability coverage will cover damage or injury you incur to other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/10 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property.
Liability can pay for things like medical expenses, pain and suffering, funeral expenses and legal defense fees. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford. Kentucky state minimum liability requirements are 25/50/10 but it’s recommended drivers buy more coverage.
The next chart demonstrates why buying low liability limits may not provide adequate coverage.
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Pontiac G8.
Due to the fact that many Kentucky drivers only carry the minimum required liability limits (25/50/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for bills for things like dental work, doctor visits and chiropractic care. They are utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Insurance savings summarized
As you shop your coverage around, it’s not a good idea to reduce coverage to reduce premium. There are many occasions where an accident victim reduced collision coverage only to regret at claim time that it was a big mistake. Your objective should be to purchase plenty of coverage at the lowest possible cost.
Budget-conscious Pontiac G8 insurance is possible both online and from local agencies, and you need to price shop both to have the best selection. There are still a few companies who do not provide online quoting and many times these regional insurance providers only sell through local independent agencies.
Consumers who switch companies do it for a variety of reasons including unfair underwriting practices, an unsatisfactory settlement offer, delays in responding to claim requests and even not issuing a premium refund. It doesn’t matter why you want to switch finding the right insurance provider is actually quite simple.
How to buy affordable Pontiac G8 insurance in Louisville
If you want to find the absolute lowest rates, then the best way to get discount Pontiac G8 insurance is to make a habit of comparing prices annually from companies that insure vehicles in Louisville.
- Try to understand car insurance and the changes you can make to prevent expensive coverage. Many things that drive up the price such as traffic citations and a not-so-good credit history can be amended by making minor changes to your lifestyle.
- Request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive or Farmers Insurance, while independent agencies can give you price quotes from many different companies.
- Compare the new quotes to the price on your current policy to determine if you can save on G8 insurance in Louisville. If you can save money, make sure coverage does not lapse between policies.
- Provide notification to your current company of your intention to cancel your existing policy and submit any necessary down payment along with the completed application for your new policy. Be sure to put the proof of insurance paperwork in your vehicle.
A key point to remember is to use the same deductibles and limits on each quote request and and to compare as many companies as possible. This guarantees a level playing field and plenty of rates choose from.
More detailed insurance information can be read at these sites:
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Who Has Cheap Auto Insurance Quotes for a GMC Sierra in Louisville? (FAQ)
- What Car Insurance is Cheapest for Uninsured Drivers in Louisville? (FAQ)
- Who Has Cheap Car Insurance Quotes for Drivers Over Age 50 in Louisville? (FAQ)
- Think You’re a Safe Driver? (State Farm)
- Understanding Your Insurance Deductible (Insurance Information Institute)