2006 Pontiac Solstice Insurance Rates – 10 Savings Tips

Trying to find better insurance rates for your Pontiac Solstice? Having to pay for high-priced Pontiac Solstice insurance can deplete your monthly budget and force you to make sacrifices. Comparing rates annually can help to tighten up your finances.

Companies like State Farm, Progressive and Geico persitently shower you with fancy advertisements and it can be hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.

Compare insurance rates

There are several ways to compare insurance quotes, and some are easier and takes less work. You could spend your day driving to insurance companies in your area, or you could save time and use the web to get rates in a matter of minutes.

Most major companies participate in a marketplace where insurance shoppers submit one quote, and each company then returns a price quote based on that information. This saves time by eliminating quotation requests to every company.

To compare rates now click here to start a free quote.

The one downside to pricing coverage this way is that you can’t choose which insurance companies you will receive quotes from. So if you prefer to choose individual companies for rate comparison, we have a page of companies who write insurance in your area. Click to view list.

The approach you take is up to you, just compare identical coverage limits and deductibles for each quote you get. If you compare higher or lower deductibles then you won’t be able to make a fair rate comparison. Just slight variations in insurance coverages or limits can result in a big premium difference. It’s important to know that comparing more rates from different companies helps you find more affordable rates.

Don’t miss these ten discounts

Auto insurance can be pricey, but you might be missing out on some discounts that you may not know about. Some discounts will apply at quote time, but a few must be requested specifically prior to getting the savings.

  • Senior Citizen Rates – Mature drivers may qualify for a slight reduction on a auto insurance quote for Solstice coverage.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Pontiac could qualify for substantially lower auto insurancerates.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • Federal Government Employee – Active or former government employment could provide a small rate reduction for Solstice coverage with some auto insurance companies.
  • Save with a New Car – Insuring a new car is cheaper due to better safety requirements for newer models.
  • Early Renewal Discounts – Some insurance companies provide a discount for buying a new policy early. This can save 10% or more.
  • Include Life Insurance and Save – Select companies reward you with a break if you buy a life insurance policy as well.
  • Safety Restraint Discount – Forcing all vehicle occupants to buckle their seat belts can save a little off the PIP or medical payment premium.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are much safer to drive and qualify for as much as a 10% discount.
  • Auto/Home Discount – If you can bundle your home and auto insurance with one company you could get a discount of nearly 15% which can help you find inexpensive auto insurance.

Don’t be shocked that some of the credits will not apply to all coverage premiums. Most only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way.

Popular auto insurance companies and a summarized list of policyholder discounts can be found below.

  • Progressive discounts include homeowner, multi-policy, multi-vehicle, good student, and online signing.
  • Geico offers discounts including seat belt use, defensive driver, military active duty, five-year accident-free, and good student.
  • State Farm offers discounts for accident-free, good driver, passive restraint, driver’s education, multiple policy, Drive Safe & Save, and safe vehicle.
  • Esurance policyholders can earn discounts including anti-theft, anti-lock brakes, multi-policy, Switch & Save, and online quote.
  • The Hartford may include discounts for defensive driver, air bag, driver training, vehicle fuel type, good student, and anti-theft.

When quoting, ask each insurance company which discounts they offer. Some of the earlier mentioned discounts may not apply to policyholders in your area. If you would like to see a list of companies with discount rates, click this link.

Special considerations

When choosing adequate coverage, there really is not a cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether you could use an agent’s help.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my state a no-fault state?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving a rental car?
  • What are the best liability limits?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Specific coverage details

Having a good grasp of your auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages found on the average auto insurance policy.

Uninsured and underinsured coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Solstice.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Liability insurance

This provides protection from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy 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 property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like loss of income, medical services, pain and suffering and bail bonds. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Coverage for medical payments

Med pay and PIP coverage pay for short-term medical expenses like surgery, chiropractic care, nursing services and X-ray expenses. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision protection

This will pay to fix damage to your Solstice resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with a tree, colliding with another moving vehicle, crashing into a building, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as vandalism, theft, a broken windshield and hitting a bird. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Get your money’s worth

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. In many cases, drivers have reduced collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal is to find the BEST coverage for the lowest price and still be able to protect your assets.

Cheap 2006 Pontiac Solstice insurance is available from both online companies and from local insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance providers do not offer the ability to get a quote online and most of the time these small insurance companies prefer to sell through independent agents.

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