View 2006 Pontiac Solstice Car Insurance Quotes

Searching for cheaper insurance rates for your Pontiac Solstice? Comparing car insurance rates is not a process car owners like to do, but it’s a required process to be legal behind the wheel.

Finding the best rates is easy if you know what you’re doing. Just about anyone who shops for auto insurance should be able to reduce their rates. Nevertheless, drivers need to learn how the larger insurance companies determine prices and use this information to your advantage.

Discounts on Pontiac Solstice insurance

Car insurance companies don’t necessarily list all their discounts in an easy-to-find place, so here is a list some of the more common and the more hidden car insurance savings.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less on Solstice coverage than their less cautious counterparts.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% on Solstice coverage depending on your company.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • Auto/Life Discount – Larger companies have lower rates if you buy life insurance from them.
  • Homeowners Pay Less – Owning a home may trigger a car insurance policy discount because owning a home demonstrates responsibility.
  • No Charge for an Accident – Some insurance companies will forgive one accident without raising rates as long as you don’t have any claims for a set time period.
  • Low Mileage – Low mileage vehicles can qualify you for better rates on cars that stay parked.

It’s important to note that many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, companies don’t profit that way.

Companies that may offer some of the above discounts include:

Check with each insurance company what discounts are available to you. All car insurance discounts may not be available in your area.

Where Can I Get Cheap Insurance Coverage?

Effectively comparing insurance coverage prices can be a lot of work if you aren’t aware of the easiest way. You can waste a few hours (or days) talking to insurance agencies in your area, or you could use the web to get rate comparisons in just a few minutes.

Many of the larger companies belong to an insurance system that enables customers to send in one quote, and each participating company provides a quote based on that data. This eliminates the need for quote forms to every company.

To find out how much you’re overpaying now click here to open in new window.

The only drawback to getting quotes like this is you don’t know exactly which carriers you want to price. So if you prefer to choose individual companies to compare, we have a listing of companies who write insurance coverage in your area. View list of insurance companies.

It doesn’t matter which method you choose, just compare apples-to-apples coverages for every company. If you are comparing mixed coverages it’s impossible to truly determine the lowest rate. Just a small difference in limits may result in a large different in cost. Just keep in mind that obtaining a wide range of quotes helps locate the best offered rates.

Pontiac Solstice rates are in the details

Consumers need to have an understanding of the factors that help determine your insurance coverage rates. Understanding what controls the rates you pay allows you to make educated decisions that will entitle you to big savings.

  • Clean credit earns discounts – Credit history is a large factor in calculating your insurance coverage rates. So if your credit is not that good, you could potentially save money when insuring your 2006 Pontiac Solstice by repairing your credit. People with excellent credit tend to be more responsible than those with lower credit scores.
  • One company can mean more discounts – Most insurance coverage companies provide better rates to policyholders who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to comparison shop to make sure you are getting the best deal.
  • Tickets mean higher rates – Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Even a single speeding ticket may increase your cost by as much as thirty percent. If you have dangerous violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
  • Do you have enough liability coverage? – Liability insurance is the coverage that protects you in the event that you are found liable for personal injury or accident damage. Liability insurance provides legal defense up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
  • Little extras can really add up – There are quite a few additional coverages that you can get tricked into buying when buying insurance coverage. Coverages for vanishing deductibles, accidental death and motor club memberships may be costing you every month. These may sound like a good investment initially, but if you don’t need them eliminate them to save money.
  • Small claims can cost you – Companies give cheaper rates to insureds who file claims infrequently. If you file claims often, you can definitely plan on higher rates. Auto insurance is designed for major claims that would cause financial hardship.
  • Marriage pays dividends – Being married can actually save you money on your policy. Marriage translates into being more mature than a single person and statistics show married couples file fewer claims.

Tailor your coverage to you

When choosing the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine if your insurance needs would benefit from professional advice.

  • What discounts do I qualify for?
  • I don’t drive much so do I pay less?
  • What is the ISO rating for a 2006 Pontiac Solstice?
  • What is PIP insurance?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I buy additional glass protection?
  • Do I need special endorsements for business use of my vehicle?
  • What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form.

Save 15 percent in 15 minutes? Is it for real?

GEICO, State Farm and Progressive constantly bombard you with television and radio advertisements. All the companies make the same claim that you’ll save big if you switch to them. How do they all say the same thing?

Different companies are able to cherry pick for the right customer that earns them a profit. For example, a preferred risk could be a mature driver, has no prior claims, and has a high credit rating. A driver who meets those qualifications will get very good rates and therefore will pay quite a bit less when switching companies.

Potential customers who don’t measure up to the “perfect” profile will be quoted higher rates and this can result in business going elsewhere. Company advertisements say “people who switch” not “everyone that quotes” save money. This is how companies can claim big savings. This emphasizes why drivers must compare many company’s rates. It is impossible to predict which company will fit your personal profile best.

Car insurance 101

Understanding the coverages of auto insurance helps when choosing the best coverages for your vehicles. Auto insurance terms can be confusing and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Pontiac Solstice.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision – This pays for damage to your Solstice from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with another moving vehicle, crashing into a building and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Liability – Liability coverage will cover damage or injury you incur to a person or their property. This insurance protects YOU against claims from other people. It does not 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 might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like medical expenses, attorney fees and loss of income. How much coverage you buy is your choice, but buy as much as you can afford.

Comprehensive auto insurance – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like fire damage, vandalism, hitting a bird, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for immediate expenses for things like nursing services, X-ray expenses, ambulance fees, funeral costs and dental work. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

The bottom line

Consumers change insurance companies for a variety of reasons including denial of a claim, not issuing a premium refund, policy cancellation and unfair underwriting practices. It doesn’t matter what your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

Throughout this article, we presented many ideas to lower your 2006 Pontiac Solstice insurance rates. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. Drivers may discover the best price on auto insurance is with a smaller regional carrier.

Cost effective insurance can be sourced online in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. Some auto insurance companies do not provide the ability to get a quote online and these small, regional companies work with independent agents.

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