2008 Pontiac Solstice Car Insurance Cost

Want the cheapest insurance coverage rates for your Pontiac Solstice? Price shopping your insurance coverage is difficult for people who are new to comparison shopping online. People have so many options available that it can quickly become a ton of work to locate the lowest price.

How much can you save with discounts?

Auto insurance companies don’t list all available discounts very well, so here is a list some of the more common and the more hidden savings tricks you should be using.

  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same auto insurance policy could earn a price break for each car.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for Solstice coverage with select insurance companies.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Resident Student – Children who are attending college and do not have a car can be insured at a reduced rate.
  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for a discount up to 10% for Solstice coverage.
  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more for Solstice coverage than less cautious drivers.
  • Drive Less and Save – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Air Bag Discount – Factory air bags or automatic seat belts can qualify for discounts up to 30%.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. The good student discount can last well after school through age 25.

Keep in mind that most discount credits are not given to the entire policy premium. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you can get free auto insurance, auto insurance companies aren’t that generous.

Car insurance companies that may have these money-saving discounts include:

It’s a good idea to ask every prospective company how you can save money. Some discounts may not apply in every state.

Factors that can influence Pontiac Solstice insurance rates

It’s important that you understand some of the elements that play a part in calculating the rates you pay for car insurance. Understanding what impacts premium levels allows you to make educated decisions that may reward you with better car insurance rates.

  • Your occupation can affect rates – Did you know your car insurance rates can be affected by your occupation? Jobs such as judges, architects and stock brokers tend to have the highest rates attributed to high stress levels and lengthy work days. On the other hand, jobs such as scientists, students and homemakers receive lower rates for Solstice coverage.
  • Do men or women drive better? – Statistics demonstrate that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. They both tend to get into accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations such as DWI and reckless driving.
  • Don’t cancel a policy without a new one in place – Allowing your coverage to lapse will be a fast way to pay more for car insurance. Not only will rates go up, but not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license.
  • Credit scores impact car insurance rates – Having a bad credit history is a important factor in calculating your car insurance rates. So if your credit is not that good, you could save money insuring your 2008 Pontiac Solstice by spending a little time repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • More miles equals more premium – The more miles you rack up on your Pontiac each year the higher your rate. Most insurance companies rate vehicles based on how the vehicle is used. Cars and trucks that are left in the garage get more affordable rates compared to those used for work or business. Verify your car insurance policy properly reflects how each vehicle is driven. If your policy improperly rates your Solstice may be costing you.
  • One company can mean more discounts – Some insurers will give a discount to customers who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare rates to verify if the discount is saving money. Drivers may still find better rates by insuring with multiple companies.
  • Safer occupants lowers premiums – Vehicles with high crash test scores can get you lower premiums. Safe vehicles reduce injuries and better occupant protection means lower claim amounts passed on to you as lower rates. If your Pontiac scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.

How much car insurance do I need?

When choosing the best insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different.

For example, these questions may help you determine whether you would benefit from an agent’s advice.

  • Can my babysitter drive my car?
  • Are there companies who specialize in insuring high-risk drivers?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my policy pay for OEM or aftermarket parts?
  • How high should my medical payments coverage be?
  • What can I do if my company won’t pay a claim?
  • How can I get my company to pay me more for my totalled car?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Coverage specifics

Understanding the coverages of a car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical expense coverage

Med pay and PIP coverage pay for bills for pain medications, EMT expenses and ambulance fees. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability coverage

Liability coverage can cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as pain and suffering, funeral expenses, medical expenses, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured or underinsured coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2008 Pontiac Solstice.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive protection

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, theft and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

Collision coverage pays for damage to your Solstice caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like driving through your garage door, scraping a guard rail, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Final considerations

People switch companies for a number of reasons such as poor customer service, an unsatisfactory settlement offer, delays in responding to claim requests or even denial of a claim. Regardless of your reason, choosing a new insurance company is actually quite simple.

Budget-conscious 2008 Pontiac Solstice insurance can be sourced online in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. A few companies do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

As you go through the steps to switch your coverage, don’t be tempted to buy less coverage just to save a little money. In many cases, someone sacrificed full coverage only to find out that it was a big error on their part. The aim is to purchase a proper amount of coverage at a price you can afford.

Additional auto insurance information is available at the links below