Compare 2009 Pontiac Solstice Car Insurance Quotes

Paying low cost rates for insurance might be difficult for drivers not familiar with online price comparisons. With literally dozens of insurers available, it can easily become more work than you anticipated to find more affordable insurance rates.

It’s a good idea to get comparison quotes before your policy renews since prices go up and down regularly. Despite the fact that you may have had the best quotes for Solstice coverage at your last renewal there is a good chance you can find better rates now. Forget all the misinformation about insurance because you’re going to learn the only way to save on insurance.

Buying car insurance is not rocket science. If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. But consumers do need to know how companies sell insurance online and take advantage of how the system works.

Insurance policy discounts you can’t miss

Some insurers do not advertise every available discount very clearly, so we took the time to find both the well known and the harder-to-find credits that may apply to you. If they aren’t giving you every credit available, you are just wasting money.

  • 55 and Retired – If you’re over the age of 55, you are able to get lower premium rates for Solstice coverage.
  • Discounts for Multiple Vehicles – Insuring several vehicles on a single policy qualifies for this discount.
  • Use Seat Belts – Requiring all passengers to buckle their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Responsible Driver Discount – Drivers without accidents can pay as much as 50% less for Solstice coverage than drivers with accident claims.
  • Defensive Driver Discounts – Taking time to complete a course that instructs on driving safety could earn you a small percentage discount and make you a better driver.
  • Good Grades Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • One Accident Forgiven – Not really a discount, but some companies like Liberty Mutual and Geico will turn a blind eye to one accident before hitting you with a surcharge so long as you are claim-free prior to the accident.
  • Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
  • Drivers Education – It’s a good idea to have your young drivers take driver’s ed class in school or through a local driver safety program.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can stop better under adverse conditions and will save you 10% or more.

You can save money using discounts, but many deductions do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as medical payments or collision. Just because you may think all the discounts add up to a free policy, you’re out of luck.

Some companies that may offer quotes with these money-saving discounts include:

Before you buy a policy, ask all the companies which discounts you may be entitled to. Savings may not apply to policyholders in your area. To locate insurers that can offer you the previously mentioned discounts, click here.

Quote insurance online

There are a variety of methods to compare insurance prices but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with agents in your area, or you can stay home and use online quotes to get pricing more quickly.

Most major companies belong to a marketplace where prospective buyers submit one quote, and every company provides a quote based on that data. This prevents consumers from doing quote requests for each company you want a rate for. To use this form to compare rates click here (opens in new window).

The only downside to using this type of system is you don’t know exactly the providers you want to price. So if you prefer to pick specific insurance companies to compare rates, we have a page of insurance companies in your area. Click here to view list.

However you get your quotes, be certain you are entering apples-to-apples coverages and limits for each price quote. If your comparisons have differing limits it’s impossible to truly determine the lowest rate. Quoting even small variations in limits can make a big difference in price. Just remember that comparing a wide range of rates helps increase your odds of locating the best rates. Some regional insurers cannot provide online rate quotes, so you should also compare quotes from them as well.

Insurance agents can help

When choosing adequate coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that can help discover whether you would benefit from an agent’s advice.

  • Why is insurance for a teen driver so high?
  • Is extra glass coverage worth it?
  • Is my dog or cat covered if injured in an accident?
  • Do I need more liability coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Do I need PIP coverage since I have good health insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need replacement cost coverage?
  • Do I pay less for low miles?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Insurance coverages and their meanings

Learning about specific coverages of insurance can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like driving through your garage door, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Pontiac Solstice.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for bills like pain medications, chiropractic care, surgery, rehabilitation expenses and prosthetic devices. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability coverage

This coverage will cover damages or injuries you inflict on other people or property in an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means a limit of $100,000 per injured person, 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 things like court costs, funeral expenses, medical expenses and legal defense fees. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, hitting a bird, hitting a deer and theft. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Affordable insurance is out there

We’ve covered a lot of ways to shop for 2009 Pontiac Solstice insurance online. The most important thing to understand is the more you quote insurance, the more likely it is that you will get a better rate. Consumers could even find that the best price on car insurance is with some of the lesser-known companies.

Insureds change insurance companies for a number of reasons such as poor customer service, delays in paying claims, high rates after DUI convictions and denial of a claim. Regardless of your reason for switching companies, switching car insurance companies can be pretty painless.

A few companies don’t offer online rate quotes and many times these small, regional companies only sell coverage through independent agents. Cheaper 2009 Pontiac Solstice insurance is definitely available from both online companies and from local insurance agents, and you need to comparison shop both to have the best rate selection.

More information is located on the following sites: