Cheaper 2006 Pontiac Solstice Insurance Quotes

Searching for the cheapest car insurance rates for your Pontiac Solstice? Are you drained from paying out the nose to pay car insurance each month? You are in the same boat as millions of other people. Lots of car insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare insurance companies to find the best rates possible.

Cheapest insurance rate quotes

Cutting your insurance rates is a great way to save money. Consumers just need to take time to compare rate quotes provided by online insurance companies. This can easily be done by using one of the methods below.

One of the simplest ways to get quotes would be an industry-wide quote request form (click to open form in new window). This type of form keeps you from doing separate forms for every company. Taking the time to complete one form will return quotes from insurance companies with the best prices.

A different way to find better pricing requires visiting the website for every company you want to comare and fill out their own quote form. For instance, let’s assume you want to get rates from Nationwide, 21st Century and Allstate. In order to get each rate, you would have to spend time going to each site individually to enter your coverage information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

The last method to get rate quotes is to spend time driving to each insurance agency near you. Doing it all online has made agencies unnecessary unless you require the professional assistance that you can only get from talking to an agent. It is possible with some companies find lower rates online but have your policy serviced through an agent.

It doesn’t matter which method you choose, just be certain you are entering exactly the same information for each comparison quote. If you use different limits and deductibles on each one you can’t possibly decipher which rate is best.

Do insurance coverage companies bend the truth?

Drivers can’t avoid all the ads that promise big savings for switching from companies such as Geico, State Farm and Progressive. They all seem to have a common claim of big savings if you switch to their company.

It sounds good, but how can they all charge lower premium rates? This is the way they can do it.

Most companies have a certain “appetite” for the type of customer that earns them a profit. A good example of a profitable insured may be between the ages of 30 and 50, has no claims, and drives a car with an anti-theft system. Someone that matches those criteria receive the lowest rate quotes and have a good chance to save a lot of money.

Insureds who do not meet the ideal profile will be charged a more expensive rate which results in the prospect going elsewhere. The wording the ads use say “people who switch” not “everyone that quotes” save that much when switching. That’s the way insurance companies can confidently make it sound like they have such great car insurance rates.

This emphasizes why it’s extremely important to compare free auto insurance quotes often. It’s just too difficult to predict with any certainty which company will have the lowest rates for your situation.

The Pontiac Solstice insurance cost equation

An important part of buying insurance is that you know some of the factors that go into determining your insurance coverage rates. If you understand what influences your rates, this enables informed choices that can earn you cheaper rates.

• Cars with good safety ratings means lower rates – Cars with five star safety ratings get lower rates. Vehicles built for safety result in less severe injuries and any reduction in injury severity means less claims paid and more competitive rates for policyholders.
• Vocation stress can make you pay more – Careers such as doctors, social workers and financial analysts have higher premiums than the average policyholder due to intense work-related stress and lengthy work days. Other occupations such as scientists, athletes and performers pay the least on Solstice insurance.
• More people means more accidents – Residing in areas with lower population has it’s advantages when shopping for auto insurance. Fewer people corresponds to lower accident rates and also fewer theft and vandalism claims. People who live in big cities have to deal with much more traffic and longer commutes to work. The longer drive time means more chances of being involved in an auto accident.
• Discounts for married drivers – Having a wife or husband can actually save you money on insurance coverage. Having a spouse demonstrates that you tend to be more stable financially and insurance companies like that married couples file fewer claims.
• Men drivers tend to cost more – Over time, data shows women tend to be less risk to insure than men. It does not mean women are BETTER drivers than men. Females and males have at-fault accidents in similar percentages, but the males cause more damage. Not only that, but men also get cited for more serious violations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident so it costs more to insure them.
• Adjust deductibles and save – Physical damage protection, aka comp and collision, is used to repair damage to your vehicle. Some examples of covered claims could be a broken windshield, damage caused by hail, or theft. Physical damage deductibles tell how much you are required to spend in the event of a claim. The higher the amount the insured is willing to pay, the less your company will charge you for insurance on Solstice insurance.

Find discounts on insurance coverage

Insurance coverage is expensive, but companies offer discounts to help bring down the price. Certain discounts will be applied at the time of quoting, but a few must be manually applied before being credited.

• New Vehicle Savings – Insuring a vehicle that is new can get you a discount because newer models have to meet stringent safety requirements.
• Full Payment Discount – If you pay your entire premium ahead of time rather than paying in monthly installments you could save up to 5%.
• Passive Restraints – Options like air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.
• Switch and Save Discount – Some insurance coverage companies provide a discount for switching companies before your current coverage expires. This discount can save up to 10%.
• Low Mileage Discounts – Driving fewer miles may enable drivers to earn lower rates on the low mileage vehicles.

You can save money using discounts, but some of the credits will not apply to the entire policy premium. Most only apply to individual premiums such as physical damage coverage or medical payments. Even though it appears all the discounts add up to a free policy, it just doesn’t work that way.

Insurance companies that have some of the discounts shown above include:

• Progressive
• Farmers Insurance
• Farm Bureau
• State Farm
• Geico
• SAFECO
• Liberty Mutual

When comparing rates, check with every insurance company the best way to save money. All car insurance discounts may not apply to policies in every state.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that For instance, these questions may help you determine whether you might need professional guidance.

• I have a DUI can I still get coverage?
• When would I need rental car insurance?
• How high should my uninsured/underinsured coverage be in my state?
• Why am I required to buy high-risk coverage?
• Can my teen driver be rated on a liability-only vehicle?
• Should I buy more coverage than the required minimum liability coverage?
• Does coverage extend to Mexico or Canada?
• Do I get a pro-rated refund if I cancel my policy early?
• Do I need replacement cost coverage on my 2006 Pontiac Solstice?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It is quick, free and can help protect your family.

Auto insurance coverages

Knowing the specifics of your policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages offered by auto insurance companies.

Comprehensive auto coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as falling objects, hitting a deer, a broken windshield, damage from a tornado or hurricane and theft. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability insurance – Liability coverage can cover injuries or damage you cause to a person or their property in an accident. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, $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 limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims such as bail bonds, loss of income, funeral expenses, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of 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 a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage – Collision coverage covers damage to your Solstice resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with a tree, scraping a guard rail, crashing into a ditch, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for bills for things like ambulance fees, rehabilitation expenses and funeral costs. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Smart shoppers get results

Cheaper car insurance is attainable from both online companies and from local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies do not provide price quotes online and many times these small, regional companies only sell through independent agencies.

When buying insurance coverage, do not sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage for the lowest price and still be able to protect your assets.

Additional detailed information is located at these sites:

• Teen Driver Statistics (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)
• Your Car has been Stolen: Now What? (Allstate)
• Car Insurance FAQ (Trusted Choice)