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.
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.
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.
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.
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.
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.
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.
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.
Elton Lowery
I live in Virginia Beach, VA. Quoted a bunch of companies. Saved roughly $30 a month. Progressive was the best choice for me. I think they have home insurance too. Wish I didn’t have to insure at all.
Isaura Jefferson
Checking in from Jacksonville, FL. Quoted rates from Travelers, AAA, Hartford, and Mercury for my Solstice and I’m now saving $36 a month.
Claude Blair
I’m in Detroit, Michigan, and State Farm rates were affordable. I have kids on my policy, too.
Ngan Rodriquez
I live on the west side of San Jose, California. Quoted with 21st Century, American Family, and Encompass for my 2008 Pontiac Solstice and I’m now saving $60 a month. Insured with Hanover before. I get lower rates because of my clean driving record. It’s easy to compare rates online now.
Brittany Clayton
My 2008 Pontiac Solstice is faster than yours.
Cherlyn Lopez
For me, GEICO was by far the cheapest in Grand Forks, North Dakota.
Sarina Chapman
Mine is so expensive. I live in Overland Park, KS. I don’t recall every quote but I ended up saving about $50 each month. Hardly afford to drive anymore.
Alfonso Cotton
If you have a clean record and are close to Columbus, GA, check out 21st Century. They seem to be cheaper. God forbid I actually have a claim.
Jeniffer Mcguire
Cheap car insurance? What’s that? I live in a small town just outside of Phoenix, AZ. Checked online prices for a 2008 Pontiac Solstice. Ended up at about $310 savings annually. Went with State Farm. Online quotes are the way to go.
Larue Webster
Does Progressive settle claims fairly?
Coy Cantrell
Here’s my info. I’m in Fort Wayne, Indiana. I got free quotes from Allstate, American Family, and Erie for my 2008 Pontiac Solstice and I think I saved about $60 each month. I get a discount for insuring multiple vehicles. Might find lower rates online.
Connie Cherry
I think Allstate has low rates in Oregon. For me anyway.