Compare 2008 Pontiac Solstice Insurance Cost

Did a good deal turn into an overpriced car insurance policy? Trust us when we tell you you’re not the only one. Many car insurance companies vie for your hard-earned dollar, so it’s not easy to compare every company and uncover the absolute cheapest price

If you have a current insurance coverage policy or need new coverage, you can use these techniques to cut your premiums while maximizing coverage. Choosing the best insurance company for you is not that difficult. Drivers only need an understanding of how to get comparison quotes on the web.

Use discounts on auto insurance

Some insurers do not list every available discount in an easy-to-find place, so the following is a list of some of the best known and also the more inconspicuous discounts that may be available.

• Payment Method – If you pay your entire premium ahead of time rather than paying in monthly installments you can avoid the installment charge.
• Home Ownership Discount – Owning a home can save a few bucks because it requires personal responsibility.
• No Charge for an Accident – This isn’t a discount exactly, but companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident without the usual rate increase so long as you haven’t had any claims prior to the accident.
• Claim Free – Good drivers with no accidents can earn big discounts as compared to frequent claim filers.
• Service Members Pay Less – Having an actively deployed family member may lower your rates slightly.

Please keep in mind that most discounts do not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability and collision coverage. Even though it appears having all the discounts means you get insurance for free, companies don’t profit that way.

Companies and a summarized list of policyholder discounts are included below.

• Geico policyholders can earn discounts including multi-vehicle, emergency military deployment, air bags, federal employee, and seat belt use.
• Mercury Insurance has savings for location of vehicle, ease of repair, annual mileage, anti-theft, and low natural disaster claims.
• Farmers Insurance has discounts for pay in full, switch companies, mature driver, good student, and early shopping.
• Auto-Owners Insurance includes discounts for anti-lock brakes, teen driver, anti-theft, safe vehicle, paperless, good student, and multi-policy.
• Liberty Mutual discounts include preferred payment discount, newly retired, safety features, hybrid vehicle, new graduate, and new move discount.
• SAFECO offers premium reductions for accident prevention training, safe driver, anti-lock brakes, teen safe driver, and bundle discounts.
• Progressive may have discounts that include online signing, multi-vehicle, homeowner, good student, multi-policy, continuous coverage, and online quote discount.
• USAA offers discounts for military installation, defensive driver, driver training, safe driver, good student, and loyalty savings.

When quoting, ask every company which discounts you may be entitled to. Some of the discounts discussed earlier may not be available in your area.

Tailor your auto insurance coverage to you

When buying proper insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.

• Am I missing any policy discounts?
• Do I need medical payments coverage since I have good health insurance?
• Does my personal policy cover me when driving out-of-state?
• How high should my uninsured/underinsured coverage be in my state?
• When does my teenage driver need to be added to my policy?
• Where can I find DUI or SR-22 insurance?
• Is my 2008 Pontiac Solstice covered for flood damage?
• What if I owe more than I can insure my car for?
• Do I need replacement cost coverage on my 2008 Pontiac Solstice?
• Do I have coverage when pulling a U-Haul trailer?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverages 101

Knowing the specifics of your auto insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverage types available from auto insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a bird, theft, damage from flooding and damage from getting keyed. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like colliding with a tree, hitting a mailbox, damaging your car on a curb and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for expenses like EMT expenses, doctor visits and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Liability insurance

This coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like repair bills for other people’s vehicles, legal defense fees and emergency aid. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

And the best car insurance company is…

Some companies do not offer rate quotes online and these smaller companies work with local independent agencies. Budget-friendly car insurance is attainable online and from local agencies, and you should be comparing both to have the best selection.

We just covered a lot of tips how to get a better price on 2008 Pontiac Solstice insurance. The most important thing to understand is the more quotes you get, the higher your chance of finding affordable insurance coverage. You may be surprised to find that the lowest auto insurance rates come from an unexpected company. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.

Other resources

• Things to Know Before you Cancel Insurance (Allstate)
• Older Driver Statistics (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Distracted Driving Statistics (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)