2008 Pontiac Solstice Car Insurance Cost – 7 Tips for Best Prices

Want lower insurance rates for your Pontiac Solstice? Feel like you’re a prisoner to overpriced insurance? Believe me, there are many people just like you.

Because you have many companies to choose from, it can be diffult for consumers to locate the most affordable provider.

Consumers should take time to get comparison quotes once or twice a year since insurance rates go up and down regularly. Even if you think you had the best price for Solstice insurance a few years ago the chances are good that you can find a lower rate today. Block out anything you think you know about insurance because you’re about to learn how to use the internet to get good coverage at a lower rate.

Save on 2008 Pontiac Solstice insurance

Companies don’t always advertise every discount in an easy-to-find place, so the following is a list of some of the best known as well as the least known auto insurance savings.

  • Multi-car Discount – Insuring more than one vehicle with the same company can get a discount on all vehicles.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Accident Waiver – Certain companies will allow you to have one accident before your rates go up if your claims history is clear prior to the accident.
  • Early Switch Discount – Some companies give discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% for Solstice insurance with select insurance companies.
  • Safety Course Discount – Taking part in a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.

As a disclaimer on discounts, most credits do not apply to the entire cost. Some only apply to specific coverage prices like comp or med pay. Just because you may think all those discounts means the company will pay you, you’re out of luck.

Car insurance companies who might offer some of the above discounts may include but are not limited to:

Double check with every prospective company how you can save money. Some discounts might not apply in your area.

Insurance Coverage Comparison Rates

There are several ways of comparing rate quotes from local insurance coverage companies. The recommended way to find competitive 2008 Pontiac Solstice insurance rates is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

The first (and easiest) way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This type of form keeps you from doing boring form submissions for each company you want a rate for. Filling out one form gets you coverage quotes direct from many companies.

Another way to get comparison quotes is to manually visit each company website and request a quote. For instance, we’ll assume you want comparison quotes from Nationwide, Farmers and GEICO. To find out each rate you need to visit each site and enter your policy data, which is why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

The hardest method to compare rates is to spend your day driving to different agent offices. Shopping for insurance coverage online makes this process obsolete unless you want the professional advice that only a license agent can provide. It is possible to comparison shop online and get advice from an agent in your area and we’ll touch on that later.

Whichever way you use, ensure you’re using identical coverages with every price quote. If the quotes have higher or lower deductibles it’s impossible to determine the lowest rate for your Pontiac Solstice. Quoting even small variations in insurance coverages can result in a big premium difference. It’s important to know that more quotes provides better odds of finding the best price.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique so your insurance should reflect that For example, these questions can aid in determining if your insurance needs would benefit from professional advice.

  • Can I afford to pay high deductible claims out of pocket?
  • Will my rates increase for filing one claim?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered when delivering products for my home-based business?
  • Am I covered if I crash into my own garage door?
  • Are my friends covered when driving my 2008 Pontiac Solstice?
  • Is business property covered if stolen from my car?
  • Should I put collision coverage on all my vehicles?
  • Is there coverage for injuries to my pets?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance coverage information

Knowing the specifics of your policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages available from car insurance companies.

Liability coverages

This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as structural damage, loss of income and medical services. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a ditch, scraping a guard rail, hitting a mailbox and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive protection

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, fire damage, theft, hitting a deer and hail damage. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense coverage

Coverage for medical payments and/or PIP pay for immediate expenses for things like ambulance fees, EMT expenses, chiropractic care, surgery and rehabilitation expenses. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Pontiac Solstice.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Don’t throw your cash in the trash

When buying insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, someone dropped physical damage coverage and discovered at claim time they didn’t have enough coverage. The ultimate goal is to buy enough coverage for the lowest price while still protecting your assets.

Cost effective 2008 Pontiac Solstice insurance can be found from both online companies in addition to many insurance agents, and you need to price shop both to have the best selection. A few companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

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