How long has it been since the last time you looked for more affordable auto insurance rates in Chicago, IL? Chicago shoppers have options when shopping for low-cost Pontiac G6 insurance. They can either waste time struggling with agents getting price quotes or leverage the internet to find the lowest rates.
There is a better way to compare auto insurance rates and we’ll show you the best way to compare rates for your Pontiac and get the best price possible from Chicago insurance agents and online providers.
Unbelievable but true, about 70% of customers have stayed with the same insurance company for a minimum of four years, and about 40% of consumers have never shopped around. American consumers can save $860 each year just by getting comparison quotes, but they don’t believe the rate savings if they moved their coverage to a different company.
You need to quote other rates as often as possible because auto insurance rates are usually higher with each renewal. Even if you think you had the best deal on Pontiac G6 insurance in Chicago a few years ago you may be paying too much now. Forget all the misinformation about auto insurance because we’re going to demonstrate the tricks you need to know to find better coverage on Pontiac G6 insurance in Chicago at a better price.
The providers in the list below provide comparison quotes in Illinois. If several companies are displayed, we recommend you visit several of them in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $124 | $214 | $262 | $16 | $78 | $694 | $58 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can influence coverage prices significantly.
Physical damage deductibles
One common question asked by Chicago drivers is how high should the deductibles for physical damage be. The premium rates below illustrate how much more you’ll pay between high and low policy deductibles. The first data set uses a $100 deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $224 | $406 | $262 | $16 | $78 | $1,011 | $84 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| G6 4-Dr Sedan | $164 | $274 | $262 | $16 | $78 | $794 | $66 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Illinois minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Table data does not factor in vehicle garaging location which can impact coverage prices significantly.
Based on the above data, using a $100 deductible costs approximately $18 more each month or $216 a year than opting for the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 22 months between claim filings, you would more than likely save some money going with the higher deductible. Here’s how we made this calculation.
| Average monthly premium for $100 deductibles: | $84 |
| Average monthly premium for $500 deductibles (subtract): | – $66 |
| Monthly savings from raising deductible: | $18 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $18 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 22 months |
One important note is that higher deductibles results in a higher out-of-pocket expense when you have to file a claim. That will require some extra funds in order to pay more to get your vehicle repaired.
Independent or exclusive auto insurance agents
Certain consumers still prefer to buy from a local agent and doing that can be a smart decision Agents will help you protect your assets and will help you if you have claims. An additional benefit of comparing car insurance online is that drivers can save money and get the best rates and also buy local. Putting coverage with neighborhood agents is important especially in Chicago.
Upon completion of this short form, your coverage information is immediately sent to insurance agents in Chicago that provide free Chicago car insurance quotes for your business. You won’t even need to do any legwork because prices are sent to you instantly. If you want to quote rates from a specific car insurance provider, you can always go to their quote page and give them your coverage information.
Do you need an independent or exclusive auto insurance agent?
When researching a reputable agency, it can be helpful to understand the types of insurance agents and how they differ in how they can insure your vehicles. Agents are classified as either independent agents or exclusive agents depending on their employer. Either can insure your vehicles, but it’s worth mentioning how they differ because it may have an impact on your agent selection.
Independent Car Insurance Agents
Independent insurance agents do not have single company limitations and that enables them to quote your coverage with lots of companies and find you the best rates. If you are not satisfied with one company, they simply switch companies in-house and you don’t have to find a new agent. When shopping rates, you need to get several quotes from a couple of independent agencies to ensure the widest selection of prices. A lot of them also have access to small mutual carriers which could offer lower prices.
Listed below are independent insurance agents in Chicago who may provide price quotes.
- Eagle Insurance Agency
3517 N Spaulding Ave – Chicago, IL 60618 – (773) 463-7576 – View Map - KSA Insurance Agency
7158 W Grand Ave – Chicago, IL 60707 – (773) 804-9000 – View Map - Illinois Vehicle Auto Insurance (Xpert)
1858 W 18th St – Chicago, IL 60608 – (312) 226-1033 – View Map
Exclusive Car Insurance Agents
These type of agents can only provide one company’s prices such as State Farm, AAA, and Liberty Mutual. These agents are unable to compare rates from other companies so they are skilled at selling on more than just price. Exclusive insurance agents are well trained in insurance sales which helps overcome the inability to quote other rates. Consumers sometimes buy from exclusive agents mostly because of loyalty to the company rather than low rates.
Listed below is a list of exclusive insurance agencies in Chicago that are able to give comparison quotes.
- Gus Andrade – State Farm Insurance Agent
4355 W 26th St – Chicago, IL 60623 – (773) 521-0216 – View Map - Mark Yun – State Farm Insurance Agent
223 W Cermak Rd, Fl-2 – Chicago, IL 60616 – (312) 225-8311 – View Map - Angela Roudez – State Farm Insurance Agent
1505 S State St – Chicago, IL 60605 – (312) 663-1820 – View Map
Choosing an car insurance agent is decision based upon more than just the premium amount. These are some questions you should get answers to.
- Which family members are covered?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Does the agency have a current Errors and Omissions policy?
- Do they have any clout with companies to ensure a fair claim settlement?
- Is working in the agency their full-time job?
- Which companies do they recommend if they are an independent agency?
- How experienced are they in personal risk management?
- Where are claims handled?