Cheaper 2009 Pontiac Solstice Insurance Rates

Car owners who are new to the process of buying car insurance online are likely to discover buying inexpensive car insurance is harder than they anticipated.

You need to shop coverage around once or twice a year because auto insurance rates are constantly changing. Even if you think you had the best rate for Solstice insurance at your last renewal the chances are good that you can find a lower price today. Ignore everything you know about auto insurance because I’m going to teach you how to use the internet to find better rates and still maintain coverage.

You may qualify for discounts

Some companies don’t always list every available discount very clearly, so here is a list some of the more common and the harder-to-find discounts that may be available. If you check and find you aren’t receiving every discount possible, you could be paying more than you need to.

• Seat Belts Save more than Lives – Requiring all passengers to fasten their seat belts can save a little on the premium charged for medical payments and/or PIP.
• Military Discounts – Having a deployed family member may lower your premium rates slightly.
• College Student – Kids who live away from home to go to college and do not have a car may qualify for this discount.
• New Vehicle Savings – Insuring a new car can save you some money compared to insuring an older model.
• Theft Deterent System – Cars, trucks, and SUVs that have factory anti-theft systems help deter theft and earn discounts up to 10% off your car insurance quote.

It’s important to note that some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like comprehensive or collision. Despite the appearance that you can get free auto insurance, you’re out of luck.

To view providers with the best car insurance discounts, click this link.

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Compare insurance rate quotes

When shopping for insurance there are multiple ways to compare quotes from different insurance companies. The fastest way to find the cheapest 2009 Pontiac Solstice insurance rates is to get quotes online. It’s really quite simple and can be done by using one of the methods below.

1. Hands down the most simple method to get quotes for comparison is a comparison rater form click to view form in new window. This quick form eliminates the need for separate quotes for every prospective company. In just a few minutes this one form will get you rate comparisons from all major companies. This is perfect if you don’t have a lot of time.
2. Another way to compare prices consists of visiting each company website and fill out their own quote form. For examples sake, we’ll pretend you want comparison quotes from Allstate, Esurance and State Farm. To find out each rate you need to visit each site and repeatedly type in your coverage information, which can take a lot of time.

   To view a list of companies in your area, click here.

3. If you have time to kill, the last method to find lower rates is to spend time driving to local insurance agencies. The internet eliminates this option unless you require the trained advice of a local agent. You can, however, get prices online but buy from a local insurance agent.

Whichever method you choose, make sure you are using apples-to-apples deductibles and coverage limits for each comparison quote. If you are comparing higher or lower deductibles then you won’t be able to make a fair rate comparison. Just slight variations in coverage limits can result in a big premium difference. It’s important to know that getting more free quotes helps improve the odds of finding the best rates.

Why smart buyers pay less for Pontiac Solstice insurance

When buying insurance it’s important to understand the rating factors that go into determining your policy premiums. When you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to lower premium levels. Many factors are taken into consideration when premium rates are determined. Some of the criteria are obvious such as traffic violations, but other criteria are less apparent like where you live or how financially stable you are.

• Never allow your coverage to lapse – Allowing your coverage to lapse can be a quick way to increase your insurance rates. And not only will your rates increase, failure to provide proof of insurance will get you fines or a revoked license.
• Eliminate unneeded extra policy coverages – Policies have optional add-on coverages that may not really be needed but may not be useful. Add-on coverages like coverage for rental cars, accidental death, and additional equipment coverage may not be needed and are just wasting money. They may sound like good ideas when talking to your agent, but if you’ve never needed them in the past consider taking them off your policy.
• How old are your drivers? – Older drivers are more cautious drivers, tend to file fewer claims and receive fewer citations.Teenage drivers are proven to get distracted easily when at the wheel of a vehicle so insurance rates are higher.
• Gender and auto insurance rates – The statistics show females are less aggressive when driving. However, don’t assume that females are better drivers. They both cause auto accidents in similar percentages, but men tend to have more serious accidents. Not only are claims higher, but men have more aggressive citations such as reckless driving.
• Raise your physical damage deductibles for better premiums – Your deductibles state the amount of money you are required to spend out-of-pocket before your insurance pays a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, covers damage that occurs to your car. A few examples of covered claims would be collision with another vehicle, collision with a deer, and having a roll-over accident. The larger the amount you have to pay, the less your company will charge you for insurance for Solstice insurance.

There’s no such thing as the perfect car insurance policy

When it comes to buying coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different.

For example, these questions may help highlight if your situation may require specific advice.

• Do I really need UM/UIM coverage?
• Which companies will insure high-risk drivers?
• I have a DUI can I still get coverage?
• Is my 2009 Pontiac Solstice covered for flood damage?
• Do I need roadside assistance coverage?
• Can I get a multi-policy discount?
• Which is better, split liability limits or combined limits?
• What discounts do I qualify for?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

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Auto insurance coverage information

Understanding the coverages of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Liability auto insurance

Liability coverage provides protection from damage that occurs to other people or property that is your fault. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like court costs, legal defense fees, bail bonds and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like dental work, funeral costs, chiropractic care and doctor visits. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage

This covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, falling objects, theft, hail damage and fire damage. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2009 Pontiac Solstice.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision insurance

This covers damage to your Solstice resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like scraping a guard rail, colliding with a tree, colliding with another moving vehicle, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Find Good Coverage for Less

Insureds change insurance companies for many reasons like denial of a claim, an unsatisfactory settlement offer, policy cancellation and even policy non-renewal. Whatever your reason, finding a new auto insurance company is less work than it seems.

We covered many ways to compare 2009 Pontiac Solstice insurance rates online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your car insurance rates. You may even discover the best price on auto insurance is with a company that doesn’t do a lot of advertising.

As you restructure your insurance plan, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped collision coverage only to regret at claim time that the savings was not a smart move. Your objective should be to find the BEST coverage at an affordable rate while still protecting your assets.

Additional information is located at these links:

• Neck Injury FAQ (iihs.org)
• Keeping Children Safe in Crashes Video (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)

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