2006 Pontiac Solstice Car Insurance Rates – 8 Ideas for Best Quotes

No one in their right mind likes paying for insurance, in particular when their premiums are too high. Online insurance companies like Allstate and Progressive all promote huge savings with ad campaigns and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

How to Compare Insurance Coverage

Cutting your insurance coverage rates doesn’t have to be difficult. You just have to spend a few minutes on the computer to get quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

• Probably the best way consumers can analyze rates is a comparison rater form click here to open form in new window. This form eliminates the need for repetitive form submissions for each company. One form submission gets rate comparisons from multiple companies.
• A slightly less efficient method to get quotes online requires you to visit each individual company website to complete a price quote. For sake of this example, we’ll assume you want rates from Allstate, Farmers and Geico. To get each rate you have to take the time to go to each site and enter your policy data, and that’s why the first method is more popular.

  For a handy list of car insurance company links in your area, click here.

• The least efficient method to compare rates is to spend time driving to local insurance agencies. The internet has reduced the need for local agents unless you require the trained guidance of a local agent. However, consumers can comparison shop online but buy from a local insurance agent and we’ll talk about that later.

Which method you use is up to you, but double check that you are using apples-to-apples coverage limits on every quote. If you compare differing limits you will not be able to truly determine the lowest rate.

Do I need special coverages?

When it comes to buying proper insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that might help in determining whether your personal situation might need professional guidance.

• Can I rate high risk drivers on liability-only vehicles?
• Does having multiple vehicles earn me a discount?
• Why do I need rental car insurance?
• What if I don’t agree with a claim settlement offer?
• Does my policy cover my teen driver if they drive my company car?
• Am I covered when delivering products for my home-based business?
• At what point should I drop full coverage?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I need PIP coverage since I have good health insurance?
• Am I getting all the discounts available?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

What insurance coverages do you need?

Knowing the specifics of insurance can be of help when determining appropriate coverage for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages found on most insurance policies.

Liability coverages

This protects you from injuries or damage you cause to a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as emergency aid, medical services and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses like prosthetic devices, funeral costs and nursing services. They can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive coverages

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, theft, rock chips in glass and damage from a tornado or hurricane. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision insurance

This coverage covers damage to your Solstice resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a ditch, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Pontiac Solstice.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.