Cheaper 2007 Pontiac Solstice Car Insurance Quotes

Looking for cheaper insurance rates for your Pontiac Solstice? Finding cheaper insurance for your Pontiac Solstice can be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to compare insurance rates and we’ll show you the best way to quote coverages for a Pontiac and find the best price possible either online or from local insurance agents.

Cheap Insurance Comparisons

All the larger insurance companies quote coverage price quotes on the web. Getting quotes is fairly straightforward as you just enter your coverage information into the quote form. Once entered, their rating system collects reports for credit and driving violations and gives you a price quote determined by many factors.

Being able to quote online streamlines rate comparisons, but the work required to visit many different websites and type in the same information gets old quite quickly. Unfortunately, it is important to get many rate quotes in order to find better insurance pricing.

Rate comparisons made easy

The smarter way to find better insurance pricing makes use of a single form to obtain quotes from more than one company. It’s a real time-saver, eliminates repetitive work, and makes comparison shopping much simpler. After sending your information, your coverage is rated with multiple companies and you can pick any one of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The whole process only takes a few minutes and you will find out if you’re overpaying now.

To use this form to compare rates, click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you type in your coverages exactly as shown on your declarations page. This guarantees you will receive a fair comparison based on similar coverages.

Discounts are basically free money

Companies that sell car insurance don’t list every available discount very clearly, so we took the time to find both the well known as well as the least known savings tricks you should be using. If you’re not getting every credit you deserve, you are throwing money away.

  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you may earn up to 20% off your total premium.
  • Sign Online – A few companies give back up to $50 simply for signing over the internet.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts up to 30%.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save 10% or more off the personal injury premium cost.
  • Service Members Pay Less – Having a deployed family member could mean lower rates.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% for Solstice insurance depending on your company.

It’s important to understand that most of the big mark downs will not be given to all coverage premiums. Some only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

For a list of insurers offering insurance discounts, click here to view.

Which insurance is the “right” coverage?

When it comes to buying adequate coverage, there really is no best way to insure your cars. Every insured’s situation is different.

For instance, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Should I have combined single limit or split liability limits?
  • How can I force my company to pay a claim?
  • What is UM/UIM insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • Should I waive the damage coverage when renting a car?
  • When do I need to add a new car to my policy?
  • Am I getting all the discounts available?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Detailed coverages of your insurance policy

Understanding the coverages of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Auto collision coverage

This coverage covers damage to your Solstice resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like sideswiping another vehicle, hitting a parking meter and scraping a guard rail. 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.

Liability coverage

This provides protection from injuries or damage you cause to people or other property. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as attorney fees, court costs, emergency aid, legal defense fees and funeral expenses. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for expenses like rehabilitation expenses, surgery, nursing services, dental work and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage protects against things such as damage from a tornado or hurricane, damage from getting keyed, damage from flooding and vandalism. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Smart consumers save more

We just covered many tips how you can shop for 2007 Pontiac Solstice insurance online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the lowest priced auto insurance comes from some of the lesser-known companies.

Low-cost insurance is attainable both online as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where someone dropped collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at the best price while still protecting your assets.

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