Looking for cheaper auto insurance rates for your Pontiac Solstice? No one likes having to buy auto insurance, especially knowing they could find better prices if they shop around. Lots of insurers contend for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest cost out there.
All the larger insurance companies like Progressive, GEICO, Allstate and State Farm allow consumers to get coverage price quotes from their websites. Getting quotes doesn’t take much effort as you just type in your personal and coverage information into a form. Once you submit the form, the company’s rating system orders information on your driving record and credit history and generates pricing information based on the information you submitted. This makes it simple to compare prices but the time it takes to visit multiple sites and type in the same data can get tiresome after awhile. But it’s also necessary to do this in order to find a lower rate.
Rate comparisons made easy
A better way to find cheaper rates utilizes a single form to get prices from a lot of companies. It’s a real time-saver, helps eliminate reptitive entry, and makes quoting online much more efficient. As soon as the form is sent, it is quoted with multiple companies and you can pick your choice of the quote results. If a lower price is quoted, you simply finish the application and purchase coverage. This process takes 15 minutes at the most and can result in significant savings.
To quickly find out if lower rates are available, simply click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you duplicate deductibles and limits identical to your current policy. This makes sure you will be getting a price comparison for similar insurance coverage.
Consumers can’t escape the ads for car insurance savings by Progressive, GEICO, Allstate and State Farm. All the companies tend to make the same promise of big savings if you move to them.
How is it plausible that every one can offer drivers better rates? Here is how they do it.
Companies are able to cherry pick for the right customer that will be a good risk. For instance, a profitable risk profile could be over the age of 45, has no prior claims, and has a high credit rating. A customer that fits those parameters will qualify for the lowest prices and most likely will cut their rates substantially.
People who do not match the requirements will have to pay more expensive rates which translates to business not being written. If you listen to the ad wording, they say “drivers who switch” not “all people who quote” save that much when switching. That’s why companies can truthfully make claims like that. Because of these techniques, it is so important to get car insurance quotes as often as possible. It is impossible to predict with any certainty which company will have the best premium rates at this point in time.
Car insurance is not cheap, but you may qualify for discounts that you may not even be aware of. Certain discounts will be triggered automatically when you get a quote, but occassionally some discounts must be inquired about before they will apply.
You can save money using discounts, but most of the big mark downs will not be given to the entire cost. Most only reduce individual premiums such as liability, collision or medical payments. So even though you would think having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.
A partial list of companies that may offer these discounts are:
If you want cheaper car insurance quotes, ask every company to give you their best rates. Some of the discounts discussed earlier might not be available to policyholders in your area.
When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. For example, these questions can help discover whether your personal situation would benefit from an agent’s advice.
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and you can get the answers you need.
Learning about specific coverages of a insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most insurance policies.
Collision coverage protection
This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers things such as sideswiping another vehicle, crashing into a ditch, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as falling objects, theft and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like rehabilitation expenses, chiropractic care and ambulance fees. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible
Uninsured Motorist or Underinsured Motorist insurance
This coverage 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.
Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Liability insurance
This coverage provides protection from injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.
Liability can pay for things like court costs, legal defense fees, bail bonds, funeral expenses and loss of income. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.
When you buy car insurance online, it’s a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped uninsured motorist or liability limits and discovered at claim time they didn’t purchase enough coverage. Your goal is to buy the best coverage you can find at the best possible price and still be able to protect your assets.
In this article, we presented a lot of information how to reduce 2006 Pontiac Solstice insurance rates online. The key thing to remember is the more times you quote, the better chance you’ll have of finding inexpensive car insurance. You may even find the best price on auto insurance is with a smaller regional carrier. Some small companies can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.