Save on 2009 Pontiac Solstice Insurance Quotes

Paying for high-priced Pontiac Solstice insurance can empty your bank account and make it hard to pay other bills. Comparison shopping is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away. With so many choices, it can be challenging to pick the best car insurance company.

Smart consumers take time to shop coverage around once or twice a year because rates are constantly changing. Even if you got the best deal on Solstice coverage a year ago the chances are good that you can find a lower rate today. Starting right now, forget all the misinformation about insurance coverage because you’re going to learn the only way to reduce your cost while increasing coverage.

Buying car insurance is quite easy. If you are paying for car insurance now, you stand a good chance to be able to save some money using this strategy. Drivers just need to know the most effective way to shop for car insurance on the web.

Some factors that can determine what Pontiac Solstice insurance costs

An important part of buying insurance is that you know the different types of things that play a part in calculating the price you pay for auto insurance. Having a good understanding of what influences your rates helps enable you to make changes that can help you get better auto insurance rates.

Shown below are some of the factors that factor into your rates.

  • More claims means more premium – If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Companies provide lower rates to insureds who are claim-free. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Extra coverages can waste money – There are quite a few additional coverages that you can get tricked into buying if you aren’t careful. Insurance for personal injury protection, accidental death and term life insurance may be costing you every month. They may seem good at first, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Do you have a high stress job? – Jobs such as real estate brokers, architects and accountants tend to pay higher rates than average because of stressful work requirements and long work days. On the flip side, professions such as pilots, athletes and the unemployed have the lowest average rates on Solstice coverage.
  • Your car’s features help determine rates – Choosing a vehicle with a theft deterrent system can save you a little every year. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
  • Liability coverage is cheap – Liability coverage is the protection if ever a court rules you are at fault for damages from an accident. Liability provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.

Lower rates by qualifying for discounts

Auto insurance companies don’t necessarily list all available discounts in an easy-to-find place, so here is a list both well-publicized and the more hidden discounts you could be receiving. If they aren’t giving you every credit available, you are throwing money away.

  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less on Solstice coverage than drivers with accidents.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. The good student discount can last until age 25.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.
  • No Accidents – Drivers with accident-free driving histories pay less when compared with drivers who are more careless.
  • Accident Forgiveness – A few companies allow you one accident before hitting you with a surcharge if your claims history is clear for a set time period.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

A partial list of companies that may have some of the above discounts include:

Check with all companies you are considering which discounts they offer. Some discounts may not apply everywhere.

Car insurance is unique, just like you

When it comes to buying adequate coverage for your vehicles, there really is no cookie cutter policy. Everyone’s needs are different so your insurance should reflect that These are some specific questions can help discover whether you would benefit from professional advice.

  • Can I afford to buy a different vehicle if my 2009 Pontiac Solstice is totaled?
  • Why am I required to get a high-risk car insurance policy?
  • What is the rate difference between pleasure use and commuting?
  • Does my personal policy cover me when driving out-of-state?
  • Why does it cost so much to insure a teen driver?
  • What is roadside assistance coverage?
  • Should I put collision coverage on all my vehicles?
  • When do I need to add a new car to my policy?
  • Am I covered when driving someone else’s vehicle?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Insurance coverage breakdown

Having a good grasp of your policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most insurance policies.

Collision coverage protection

Collision coverage pays for damage to your Solstice resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sideswiping another vehicle, damaging your car on a curb, colliding with a tree, driving through your garage door and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, damage from getting keyed, hail damage and theft. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability

This can cover damages or injuries you inflict on a person or their property. This coverage protects you against claims from other people, and doesn’t 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 liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as repair costs for stationary objects, court costs and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 2009 Pontiac Solstice.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like rehabilitation expenses, X-ray expenses and chiropractic care. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Smart consumers save more

As you restructure your insurance plan, it’s a bad idea to reduce needed coverages to save money. There have been many situations where an insured cut collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage at the best price.

We just covered some good ideas how you can save on 2009 Pontiac Solstice insurance. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. Consumers could even find that the lowest priced insurance comes from some of the smallest insurance companies. Regional companies may have significantly lower rates on certain market segments than their larger competitors like Allstate or State Farm.

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