2009 Pontiac Solstice Insurance Cost

Trying to find better insurance rates for your Pontiac Solstice? Expensive Pontiac Solstice insurance can draw down your monthly budget and make it impossible to make ends meet. Shopping your coverage around is a fast and free way to slash your bill and have more diposable income.

Having so many online and local companies to choose from, it is very difficult to find a more affordable insurance company.

Auto insurance policy discounts

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically at quote time, but some need to be asked for before you will receive the discount. If you do not double check each discount you deserve, you’re just leaving money on the table.

• Homeowners Pay Less – Being a homeowner can earn you a little savings because of the fact that having a home requires personal responsibility.
• Use Seat Belts – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 15% off the medical payments premium.
• Membership in Organizations – Participating in certain professional organizations could earn you a nice discount when getting a car insurance quote.
• Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen and will qualify for a discount on a car insurance quote.
• Anti-lock Brake Discount – Vehicles that have steering control and anti-lock brakes have fewer accidents and will save you 10% or more.
• Multi-line Discount – Insurance companies who offer life insurance give better auto insurancerates if you take out life insurance.
• Early Payment Discounts – By paying your entire bill at once rather than paying monthly you may have a lower total premium amount.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Most only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. Any qualifying discounts will help lower the premium cost.

To locate insurers who offer auto insurance discounts, follow this link.

How to compare insurance price quotes

When looking for low cost car insurance quotes, there are a couple ways of comparing rate quotes from many insurance companies in your state. The fastest way to compare 2009 Pontiac Solstice insurance prices is to use the internet to compare rates. It is quite easy and can be accomplished by using one of the methods below.

The recommended way to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This method prevents you from having to do separate quotation requests for each price estimate. A single, simple form gets rate comparisons from insurance companies with the best prices.

A more difficult way to find lower rates requires a trip to the website of each company and request a quote. For instance, let’s assume you want to get rates from USAA, Farmers and Geico. You would be required to navigate to each company’s site and enter your information, which can get rather old.

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

It’s your choice how you get your quotes, but be certain you are entering equivalent coverage information for every quote you compare. If your comparisons have different liability limits it will be very difficult to decipher which rate is best. Slightly different coverage limits may result in a large different in cost. Keep in mind that comparing more quotes provides better odds of finding lower pricing.

Informed drivers save more

Many factors are considered when you get a price on insurance. Some are obvious such as your driving record, but other criteria are less apparent such as your credit history or how safe your car is.The best way to find cheaper insurance is to take a look at a few of the rating criteria that play a part in calculating the rates you pay for insurance. When you understand what positively or negatively impacts your premiums, this helps enable you to make changes that could help you find lower insurance prices.

• Does insurance cost more for guys? – Statistics demonstrate that females tend to be a little less risky than males. However, don’t assume that females are better at driving than males. Males and females cause fender benders at a similar rate, but men tend to have higher claims. Men also get higher numbers of serious violations such as reckless driving.
• Higher coverage deductibles lower premiums – Comprehensive and collision coverage deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Insurance for physical damage, also called comprehensive and collision insurance, insures against damage to your car. Some examples of claims that would be covered are rearending another vehicle, damage caused by hail, and having a roll-over accident. The more expense you pay before a claim is paid (deductible), the better rate you will receive for Solstice coverage.
• Low mileage costs less – The more miles you rack up on your Pontiac in a year’s time the higher the price you pay to insure it. A lot of companies calculate prices based on how the vehicle is used. Vehicles that do not get driven very much can get a lower rate than those used for commuting. A policy that improperly rates your Solstice is just wasting money. Ask your agent if your insurance coverage is rated on the correct usage for each vehicle, because it can save money.
• Car and home together may be cheaper – Many companies afford better rates to people that have more than one policy such as combining an auto and homeowners policy. If you currently are using one company, drivers will still want to shop around to confirm you are receiving the best rates possible. Drivers may still save even more by buying insurance from more than one company.

How do I know if I need professional advice?

When it comes to choosing coverage, there really is not a perfect coverage plan. Each situation is unique so this has to be addressed. For instance, these questions may help highlight whether or not you will benefit from professional help.

• Am I missing any policy discounts?
• Can I rate high risk drivers on liability-only vehicles?
• Do I need special endorsements for business use of my vehicle?
• Am I covered by my spouse’s policy after a separation?
• Why does it cost so much to insure a teen driver?
• I have good health insurance, so how much medical payments coverage do I need?
• What is an SR-22 filing?
• Will my rates increase for filing one claim?
• How high should my medical payments coverage be?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Insurance coverage basics

Knowing the specifics of your insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for expenses for things like EMT expenses, ambulance fees, hospital visits, funeral costs and X-ray expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Auto liability insurance

Liability insurance protects you from damage or injury you incur to other people or property. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as attorney fees, funeral expenses, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Comprehensive protection

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a broken windshield, damage from getting keyed, vandalism and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

This coverage covers damage to your Solstice from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, crashing into a ditch, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your 2009 Pontiac Solstice.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Cheaper insurance is a realistic goal

As you prepare to switch companies, it’s a bad idea to buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced uninsured motorist or liability limits only to find out that it was a big error on their part. Your focus should be to purchase a proper amount of coverage at the lowest possible cost while not skimping on critical coverages.

Lower-priced insurance can be purchased on the web as well as from independent agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance companies do not provide online rate quotes and most of the time these smaller providers work with local independent agents.

More resources

• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Top Signs Your Brakes are Giving Out (State Farm)
• Choosing an Insurance Company (Insurance Information Insitute)