Save on 2009 Pontiac Solstice Insurance Cost

Searching for the lowest cost insurance coverage over the internet may be intimidating for consumers new to price shopping online. With such a large number of insurers available, how can consumers even start to compare every company to locate the best pricing?

Compare Quotes for Auto Insurance

There are several ways of comparing price quotes from local auto insurance companies. One of the best ways to find the cheapest 2009 Pontiac Solstice insurance rates is to perform an online rate comparison. This is very easy and can be done in just a few minutes using one of these methods.

1. Probably the best way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This form saves time by eliminating separate quotation requests for each company you want a rate for. In just a few minutes this one form gets you coverage quotes from multiple companies. It’s the fastest way to compare.
2. A less efficient way to obtain and compare quotes online is to manually visit each company’s website to request a price quote. For examples sake, let’s assume you want rates from Progressive, State Farm and Geico. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why most consumers use the first method.

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

3. The hardest method to get comparison rates is to drive around to insurance agents’ offices. Shopping for auto insurance online can eliminate the need for a local agent unless you want the trained guidance that only a license agent can provide. However, consumers can obtain prices from the web and get advice from an agent in your area and we’ll touch on that later.

However you get your quotes, ensure you are comparing apples-to-apples coverages and limits on every quote. If you have different limits and deductibles on each one it’s impossible to decipher which rate is best. Slightly different limits may cause a big price difference. Just keep in mind that comparing more company’s prices will increase your chances of finding better pricing.

Will just any policy work for me?

When choosing coverage, there is no best way to insure your cars. Everyone’s situation is unique.

For instance, these questions may help you determine whether or not you would benefit from professional advice.

• How high should my uninsured/underinsured coverage be in my state?
• When can my company non-renew my policy?
• Do I have coverage for damage caused while driving under the influence?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Is my 2009 Pontiac Solstice covered for smoke damage?
• How high should deductibles be on a 2009 Pontiac Solstice?

If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Auto insurance specifics

Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Collision protection

This covers damage to your Solstice from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with a tree, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Pontiac Solstice.

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

Comprehensive insurance

This covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hail damage, damage from flooding and rock chips in glass. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for surgery, funeral costs and pain medications. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Liability auto insurance

Liability coverage can cover injuries or damage you cause to people or other property. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as repair bills for other people’s vehicles, loss of income, pain and suffering, bail bonds and medical services. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.