Cheap 2007 Pontiac Solstice Insurance Cost

Finding low-cost insurance for a Pontiac Solstice can turn out to be an all-consuming task, but you can follow our insurance buying tips and make it easy.

There is a right way and a wrong way to compare insurance rates and we’ll show you the absolute fastest way to compare rates for your Pontiac and get the best price possible.

It’s important to check insurance prices quite often since rates are variable and change quite frequently. Despite the fact that you may have had the lowest rates on Solstice coverage six months ago you can probably find a better price now. There is too much inaccurate information about insurance online, so we’re going to give you the easiest ways to find cheap insurance.

Pieces of the Pontiac Solstice insurance rate puzzle

Smart consumers have a good feel for the factors that come into play when calculating car insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that could result in much lower annual insurance costs.

  • Save money with special equipment – Choosing a vehicle with a theft deterrent system can help lower your rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
  • Males pay more for insurance – Statistics have proven women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. They both tend to get into accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets such as DWI and reckless driving.
  • Traffic violations increase rates – Drivers with clean records tend to pay less for car insurance than bad drivers. Even a single ticket may increase your cost by as much as thirty percent. Drivers who get serious violations such as hit and run, DWI or reckless driving convictions may be required to file a SR-22 with their state motor vehicle department in order to continue driving.
  • Do you work long hours in a high stress job? – Did you know that where you work can have an impact on rates? Occupations such as judges, social workers and accountants tend to have higher rates than average in part from job stress and lengthy work days. On the flip side, occupations such as actors, athletes and performers receive lower rates on Solstice coverage.
  • Drive a safer car and pay less – Vehicles with good safety scores tend to have better insurance rates. These vehicles result in less severe injuries and lower injury rates means less money paid by your insurance company and thus lower rates. If your Pontiac Solstice is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • One company can mean more discounts – Some car insurance companies will give a discount to people who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare other company rates to ensure the best deal. Drivers may still find better rates by buying insurance from more than one company.
  • The more you drive the more you pay – The higher the mileage driven each year the higher your rate. The majority of insurers price each vehicle’s coverage determined by how the vehicle is used. Cars left parked in the garage qualify for better rates than those used for commuting. Make sure your car insurance declarations sheet is rated on the correct usage for each vehicle. If your policy improperly rates your Solstice can cost quite a bit.

More discounts equal less premium

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to help offset the cost. A few discounts will automatically apply when you purchase, but a few need to be asked about before they will apply. If you’re not getting every credit available, you are throwing money away.

  • Military Discounts – Having a family member in the military can result in better rates.
  • Low Mileage – Fewer annual miles on your Pontiac can earn a substantially lower rate.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy could earn a price break for each car.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount on Solstice coverage depending on your company.
  • Seat Belt Usage – Drivers who require all occupants to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Memberships – Participating in a civic or occupational organization may earn a discount when buying auto insurance on Solstice coverage.
  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Some only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way. Any amount of discount will bring down your overall premium however.

For a list of companies with the best auto insurance discounts, click here to view.

Don’t listen to company ads

Drivers can’t get away from ads for car insurance savings from companies such as State Farm, Allstate and GEICO. They all have a common claim about savings after switching your policy.

How can each company say the same thing?

All the different companies can use profiling for the type of customer that earns them a profit. An example of a preferred risk might be profiled as between 25 and 40, has no prior claims, and chooses high deductibles. A customer that hits that “sweet spot” receives the best rates and as a result will probably cut their rates substantially.

Potential customers who don’t measure up to these standards must pay a higher premium and this can result in business not being written. The ad wording is “drivers who switch” not “everybody who quotes” save that much money. This is how companies can truthfully advertise the savings.

This illustrates why drivers should compare many company’s rates. It’s not possible to predict which insurance company will provide you with the cheapest Pontiac Solstice insurance rates.

It’s not one size fits all

When choosing adequate coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • Does insurance cover tools stolen from my truck?
  • Is my Pontiac Solstice covered if I use it for business?
  • What is PIP insurance?
  • How does medical payments coverage work?
  • What can I do if my company won’t pay a claim?
  • Should I buy full coverage?
  • Am I covered if I hit a deer?
  • Why am I required to buy liability insurance?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Car insurance coverages for a 2007 Pontiac Solstice

Learning about specific coverages of your policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as EMT expenses, dental work, chiropractic care and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance covers 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 claims such as damage from flooding, hail damage, a broken windshield, a tree branch falling on your vehicle and hitting a deer. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as backing into a parked car, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 2007 Pontiac Solstice.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Auto liability

This coverage can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as medical services, pain and suffering, court costs, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

A little work can save a LOT of money

As you go through the steps to switch your coverage, it’s not a good idea to buy poor coverage just to save money. There are many occasions where someone sacrificed collision coverage and learned later that it was a big error on their part. Your focus should be to get the best coverage possible for the lowest price while still protecting your assets.

You just read a lot of ways to reduce 2007 Pontiac Solstice insurance prices online. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. Consumers could even find that the best prices are with a smaller regional carrier.

Consumers switch companies for any number of reasons including lack of trust in their agent, denial of a claim, high rates after DUI convictions or even poor customer service. No matter why you want to switch, switching insurance coverage companies is actually quite simple.

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