Compare 2007 Pontiac Solstice Car Insurance Quotes

Searching for lower car insurance rates for your Pontiac Solstice? Feel like you’re a prisoner to high-priced car insurance? Trust us, you’re not alone.

Drivers have so many insurers to buy insurance from, and although it’s a good thing to be able to choose, so many choices can make it hard to find the lowest cost provider.

Discounts on Pontiac Solstice insurance

Auto insurance companies do not list all available discounts in an easy-to-find place, so here is a list some of the best known as well as the least known ways to save on insurance coverage.

  • Early Switch Discount – Some companies give discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Sign Online – A few companies will give a small break for buying a policy and signing up digitally online.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off for Solstice insurance with certain companies.
  • Homeowners Pay Less – Owning a home may earn you a small savings because owning a home demonstrates responsibility.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Good Student – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.

Consumers should know that some credits don’t apply to the entire cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck.

Car insurance companies who might offer these discounts may include but are not limited to:

It’s a good idea to ask every prospective company which discounts you may be entitled to. All car insurance discounts may not be available everywhere.

Free Quotes for Insurance Coverage

To find the best insurance coverage prices, there are several ways to get quotes and find the best price. The easiest way to find the cheapest 2007 Pontiac Solstice insurance rates is simply to get online rate quotes. This is very easy and can be done in just a few minutes using one of these methods.

  • The easiest and least time consuming way to find low rates is to use a rate comparison form like this one (opens in new window). This form eliminates the need for multiple quote forms to each individual insurance coverage company. One simple form gets rate comparisons from multiple companies.
  • A more difficult way to compare prices is going to each individual company website to complete their respective quote request forms. For examples sake, we’ll assume you want to compare rates from Allstate, Liberty Mutual and Progressive. You would have to visit each site to enter your coverage information, which is why most consumers use the first method.

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

  • The hardest method of comparing rate quotes is to spend time driving to local insurance agencies. The internet can eliminate the need for a local agent unless you want the professional guidance that only a license agent can provide. Drivers can comparison shop online and get advice from an agent in your area. We’ll cover that shortly.

It’s up to you how you get prices quotes, just ensure you are comparing identical coverage limits with every price quote. If the quotes have different liability limits it will be next to impossible to determine the lowest rate for your Pontiac Solstice. Just a small difference in limits could mean much higher rates. And when comparison shopping, comparing a large number of companies will improve the odds of getting better pricing.

Tailor your coverage to you

When buying the right insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions might help in determining whether you would benefit from an agent’s advice.

  • Is my state a no-fault state?
  • Are rental cars covered under my policy?
  • Do I need roadside assistance coverage?
  • I have health insurance so do I need medical payments coverage?
  • Is there coverage for injuries to my pets?
  • Can I rent a car in Mexico?
  • Is rental equipment covered for theft or damage?
  • How high should my uninsured/underinsured coverage be in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Specific coverage details

Knowing the specifics of a insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages found on most insurance policies.

Liability coverage

Liability coverage provides protection from damage or injury you incur to other’s property or people. This insurance protects YOU from legal claims by others, and doesn’t 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 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like emergency aid, structural damage and medical services. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Collision protection

This pays for damage to your Solstice caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a ditch, scraping a guard rail, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive insurance

Comprehensive insurance pays for 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 protects against things such as damage from flooding, a tree branch falling on your vehicle and a broken windshield. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like doctor visits, pain medications and EMT expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Don’t break the bank

We’ve covered a lot of techniques to save on 2007 Pontiac Solstice insurance. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest priced auto insurance comes from the least-expected company. These smaller insurers often have lower prices on specific markets compared to the large companies like State Farm, Geico and Nationwide.

When trying to cut insurance costs, you should never reduce needed coverages to save money. There are too many instances where someone dropped full coverage and learned later that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at a price you can afford.

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