Trying to find the cheapest insurance rates for your Pontiac Solstice? Tired of scraping the payment together to pay your car insurance bill each month? Your situation is no different than many other consumers.
Consumers have many car insurance companies to purchase coverage from, and although it’s nice to have a choice, having more car insurance companies makes it harder to find the best rates for your vehicles.
It’s a great practice to do rate comparisons every six months due to the fact that insurance rates change quite often. If you had the lowest rates for Solstice insurance a year ago there is a good chance you can find better rates now. Ignore everything you know about insurance because you’re about to find out the quickest way to get good coverage at a lower rate.
Companies that sell car insurance don’t always list every discount very clearly, so we researched some of the best known and the harder-to-find savings tricks you should be using.
Consumers should know that many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like medical payments or collision. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.
For a list of companies with the best insurance coverage discounts, click this link.
The fastest way that we advise to compare rates is to take advantage of the fact most insurance companies provide online access to give you rate quotes. The only thing you need to do is give the companies some data such as whether you are single or married, if it has an anti-theft system, the make and model of your vehicles, and how much coverage you want. The rating information is then submitted to all major companies and they return cost estimate almost instantly.
When choosing the best car insurance coverage, there really is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.
Having a good grasp of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types available from car insurance companies.
Insurance for medical payments
Coverage for medical payments and/or PIP pay for immediate expenses for things like X-ray expenses, pain medications, rehabilitation expenses, funeral costs and ambulance fees. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible
Liability insurance protects you from damage or injury you incur to other’s property or people in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.
Liability can pay for claims like legal defense fees, bail bonds, loss of income, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.
Collision coverage protection
Collision coverage covers damage to your Solstice resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like sustaining damage from a pot hole, colliding with a tree, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as damage from getting keyed, theft, hitting a deer and hitting a bird. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Pontiac Solstice.
Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.
We covered some good ideas how to save on 2009 Pontiac Solstice insurance. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the most savings is with some of the smallest insurance companies. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm or Progressive.
Lower-priced insurance is possible online and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. There are still a few companies who may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.
When buying insurance coverage, you should never sacrifice coverage to reduce premiums. There are too many instances where an insured cut comprehensive coverage or liability limits only to find out that the savings was not a smart move. The proper strategy is to buy enough coverage at the best price.
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