Cheaper 2008 Pontiac Solstice Insurance Rates

Finding low cost prices on insurance coverage could be quite difficult for drivers who are new to online rate comparisons. With such a big selection of agents and online companies, it can quickly become a difficult mission to locate the lowest prices.

It’s a good habit to take a look at other company’s rates yearly because rates are variable and change quite frequently. Just because you had the best premium rates for Solstice coverage a couple years back you will most likely find a better price today. You’ll find a ton of advice on insurance coverage on the internet, but in just a couple of minutes you can learn the best ways to lower your insurance coverage rates.

Good decisions result in lower insurance rates

Lots of factors are considered when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, although some other factors are not as apparent like where you live or your financial responsibility.When buying insurance it’s important to understand some of the things that go into determining your insurance rates. If you know what controls the rates you pay, this empowers consumers to make smart changes that could result in much lower annual insurance costs.

• Better premiums with anti-theft devices – Choosing a vehicle with a theft deterrent system can save you a little every year. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all aid in stopping auto theft and help lower rates.
• Do you work long hours in a stressful job? – Occupations such as military personnel, executives and accountants tend to have the highest rates attributed to stressful work requirements and lots of time spent away from family. On the other hand, occupations such as farmers, engineers and performers generally pay rates lower than average for Solstice coverage.
• Extra coverages can waste money – There are quite a few add-on coverages you can purchase on your insurance policy. Insurance for things like personal injury protection, towing, and extra equipment coverage may be wasting your money. These may sound like a good investment when discussing your needs, but your money might be better spent on other coverage so think about removing them and cutting costs.
• Frequent policy claims will increase rates – Auto insurance companies give the best rates to people who are claim-free. If you’re an insured who likes to file claims you can definitely plan on higher premiums or even policy non-renewal. Auto insurance is intended to be relied upon for more catestrophic claims.
• Cheaper to insure women? – Statistics show that men are more aggressive behind the wheel. However, this does not mean males are worse at driving than females. Both sexes tend to get into at-fault accidents at about the same rate, but men tend to have higher claims. Not only that, but men also receive more major tickets like reckless driving and DUI. Young men ages 16 to 20 are the most expensive to insure so it costs more to insure them.
• What are your physical damage deductibles? – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Some instances where coverage would apply are a windshield shattered by a rock, hitting a deer, and damage from a fallen tree branch. Physical damage deductibles define how much you are willing to pay if a claim is determined to be covered. The higher the amount you are required to pay out-of-pocket, the lower your rates will be for Solstice coverage.
• Keep the miles off and save – Driving more miles each year the more you will pay for insurance. Most companies calculate prices based upon how you use the vehicle. Cars and trucks that do not get driven very much can be on a lower rate level as compared to vehicles used primarily for driving to work. Improper usage on your Solstice is just wasting money. Make sure your policy reflects the right rating data, because improper ratings can cost you money.
• A policy lapse can increase insurance rates – Driving without insurance coverage in place can get you a ticket and your next policy will cost more because you let your insurance expire. In addition to paying higher rates, failure to provide proof of insurance may earn you a fine, jail time, or a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with your state DMV.

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More discounts mean lower-cost premiums

Auto insurance is not inexpensive, but there could be available discounts that can dramatically reduce your bill. Some discounts will apply when you quote, but once in a while a discount must be asked for before being credited. If you do not check that you are getting every discount you qualify for, you are throwing money away.

• Club Memberships – Having an affiliation with certain professional organizations could qualify you for a break on your policy.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if it’s offered in school.
• Defensive Driver – Participating in a course that instructs on driving safety may get you a small discount and easily recoup the cost of the course.
• Discount for Low Mileage – Driving less can qualify you for discounted premium rates on garaged vehicles.
• Paperless Signup – Some larger companies may give you up to $50 for buying your policy online.
• Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts could see savings of 20 to 30 percent.

As a footnote on discounts, most credits do not apply to the entire cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

Companies and the discounts they provide are outlined below.

• Geico may include discounts for federal employee, defensive driver, driver training, daytime running lights, emergency military deployment, five-year accident-free, and anti-theft.
• MetLife policyholders can earn discounts including accident-free, multi-policy, good student, good driver, claim-free, defensive driver
• Progressive includes discounts for multi-policy, continuous coverage, online quote discount, good student, and multi-vehicle.
• Travelers may have discounts that include multi-policy, continuous insurance, hybrid/electric vehicle, payment discounts, good student, and student away at school.
• SAFECO has savings for anti-theft, drive less, homeowner, teen safe driver, bundle discounts, and accident prevention training.
• AAA may offer discounts for anti-theft, good driver, pay-in-full, multi-car, and AAA membership discount.

Check with each company how many discounts you can get. Discounts may not apply to policies in your area. For a list of companies that offer discounts, click here.

It’s not one size fits all

When it comes to choosing the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Each situation is unique.

For example, these questions might point out whether you may require specific advice.

• Do I need PIP coverage since I have good health insurance?
• If my pet gets injured in an accident are they covered?
• Do I have coverage when pulling a U-Haul trailer?
• Should I buy additional glass protection?
• Am I covered if I wreck a rental car?
• Am I covered when driving someone else’s vehicle?
• Is a blown tire covered by insurance?
• How can I get my company to pay me more for my totalled car?
• When can my company non-renew my policy?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Coverage specifics

Having a good grasp of insurance can help you determine which coverages you need for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a broken windshield, hitting a deer, fire damage, vandalism and theft. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage – This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Pontiac Solstice.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for expenses like EMT expenses, hospital visits and prosthetic devices. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Auto liability – Liability coverage will cover damage that occurs to a person or their property. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like loss of income, legal defense fees, structural damage, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Collision – This pays for damage to your Solstice resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sustaining damage from a pot hole, driving through your garage door and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

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Online plus local equals savings

When searching for cheap insurance coverage quotes, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

Lower-priced 2008 Pontiac Solstice insurance is definitely available both online in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who may not provide the ability to get a quote online and these regional insurance providers only sell coverage through independent insurance agencies.

We just covered a lot of ways to shop for 2008 Pontiac Solstice insurance online. The most important thing to understand is the more quotes you get, the higher your chance of finding inexpensive insurance coverage. Consumers could even find that the best price on insurance coverage is with the least-expected company.

Additional information is available at the links below

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Understanding your Policy (NAIC.org)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)

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