2006 Pontiac Solstice Insurance Rates

Trying to find the cheapest insurance coverage rates for your Pontiac Solstice? Have you had enough of paying out the nose each month for car insurance? Your situation is no different than millions of other consumers.

With so many choices of insurance companies, it can be diffult for consumers to locate the most affordable insurance company.

It’s a great practice to do rate comparisons quite often due to the fact that insurance rates are usually higher with each renewal. If you had the lowest price on Solstice coverage a couple years back you can probably find a better price now. Forget anything you know (or think you know) about insurance coverage because you’re about to find out the right way to get good coverage at a lower rate.

Finding Auto Insurance Deals

To find the best auto insurance prices, there are several ways to compare quotes and find the best price. The best way to compare 2006 Pontiac Solstice insurance prices is to perform an online rate comparison. It is quite easy and can be accomplished in several different ways.

  • The easiest and least time consuming way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This form saves time by eliminating multiple quote forms for each company you want a rate for. One quote request gets you coverage quotes from multiple low-cost companies.
  • A more difficult way to get quotes online is to take the time to go to each individual company website to complete a price quote. For sake of this example, let’s say you want to compare rates from Farmers, Safeco and State Farm. You would have to take the time to go to each site and enter your policy data, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just make absolute certain that you use the exact same coverage limits and deductibles with each company. If you use mixed coverages it will be next to impossible to determine which rate is truly the best. Just a small difference in coverages can mean a large discrepancy in price. Just remember that more quotes will increase your chances of finding a better price.

Don’t listen to company ads

Auto insurance companies such as State Farm and Allstate consistently run ads on TV and radio. They all seem to make an identical promise that you can save if you change to them. How does each company make almost identical claims?

Insurance companies have a preferred profile for the type of customer that makes them money. A good example of a profitable customer could be over the age of 50, has no tickets, and has a high credit rating. Any new insured who matches those parameters will qualify for the lowest rates and therefore will pay quite a bit less when switching companies.

Potential insureds who do not match this ideal profile will be charged higher prices and this can result in business not being written. The ads say “drivers who switch” not “everyone that quotes” save money. That’s why insurance companies can confidently make those claims. That is why it is so important to get as many quotes as possible. Because you never know which company will provide you with the cheapest Pontiac Solstice insurance rates.

Factors influencing Pontiac Solstice insurance rates

Consumers need to have an understanding of the factors that go into determining insurance coverage rates. When you know what positively or negatively determines base rates allows you to make educated decisions that can help you get better insurance coverage rates.

  • Lower rates come with age – Youthful drivers have a tendency to be less responsible in a vehicle so insurance coverage rates are higher. Mature drivers tend to be more responsible, statistically cause fewer accidents and are safer drivers.
  • Poor credit can mean higher rates – Having a bad credit score is a large factor in determining what you pay for insurance coverage. Therefore, if your credit history is lower than you’d like, you could pay less to insure your 2006 Pontiac Solstice by improving your credit score. People with excellent credit tend to be more responsible than drivers who have poor credit.
  • Discounts for married couples – Having a wife or husband can get you a discount on your policy. Marriage means you’re more mature than a single person and statistics show drivers who are married are more cautious.
  • Your stress level may be raising your rates – Did you know your insurance coverage rates can be affected by your occupation? Jobs such as doctors, social workers and stock brokers have the highest rates in part from job stress and long work hours. On the other hand, professions such as farmers, students and performers get better rates on Solstice coverage.
  • Never go without insurance – Allowing your insurance coverage policy to lapse is a quick way to pay more for insurance coverage. And not only will your rates increase, getting caught without coverage can result in a license revocation or jail time.

Don’t overlook these discounts

Companies that sell car insurance do not list all available discounts in an easy-to-find place, so the following is a list of both the well known and also the lesser-known insurance savings.

  • Good Student Discount – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Air Bag Discount – Factory air bags can receive discounts of 20% or more.
  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% on Solstice coverage with select insurance companies.
  • Low Mileage Discounts – Keeping the miles down on your Pontiac can earn discounted rates on garaged vehicles.
  • Defensive Driving Course – Taking a driver safety course could cut 5% off your bill and easily recoup the cost of the course.

It’s important to note that most credits do not apply the the whole policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you could get a free insurance policy, companies wouldn’t make money that way.

Insurance companies that possibly offer some of the above discounts may include but are not limited to:

Double check with each insurance company what discounts are available to you. Savings may not be available in every state.

Is my situation unique?

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For example, these questions might point out whether or not you could use an agent’s help.

  • Which is better, split liability limits or combined limits?
  • Do I need an umbrella policy?
  • Why is insurance for a teen driver so high?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Which companies will insure high-risk drivers?
  • Should I rate my 2006 Pontiac Solstice as pleasure use or commute?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I waive the damage coverage when renting a car?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverage basics

Knowing the specifics of your auto insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages found on most auto insurance policies.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like damaging your car on a curb, colliding with another moving vehicle, hitting a parking meter, driving through your garage door and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, rock chips in glass and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Liability auto insurance

Liability coverage will cover injuries or damage you cause to a person or their property. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as repair bills for other people’s vehicles, attorney fees, loss of income and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for dental work, funeral costs, chiropractic care, X-ray expenses and EMT expenses. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Buy online or local, you save

While you’re price shopping online, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced physical damage coverage to discover at claim time they didn’t have enough coverage. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

We just showed you a lot of ways to lower your 2006 Pontiac Solstice insurance rates. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even discover the best price on car insurance is with a small mutual company. They may often insure only within specific states and give getter rates compared to the large companies like State Farm, Geico and Nationwide.

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