Overpriced Pontiac Solstice insurance can dwindle your savings account and make it impossible to make ends meet. Doing a price comparison is a great way to reduce premiums and put more money in your pocket. Drivers have multiple auto insurance companies to pick from, and even though it’s nice to have multiple companies, it can be more difficult to compare rates and find the lowest cost auto insurance.
Quick Auto Insurance Quotes
Lowering your Pontiac Solstice auto insurance rates is actually quite simple. Just invest a few minutes getting comparison quotes online from several insurance companies. This can be accomplished in just a few minutes using one of these methods.
The best way to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This type of form prevents you from having to do separate quotation requests for each company you want a rate for. One quote request gets rate comparisons from auto insurance companies with the best prices.
A more difficult way to compare prices requires a visit to the website for every company you want to comare and request a quote. For instance, let’s say you want comparison quotes from Farmers, Allstate and Travelers. You would have to take the time to go to each site and enter your policy data, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
Whichever method you choose, be sure to compare exactly the same coverages for each price quote. If you compare different limits and deductibles on each one then you won’t be able to determine the lowest rate for your Pontiac Solstice.
Auto insurance coverage breakdown
Learning about specific coverages of auto insurance aids in choosing the best coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages available from auto insurance companies.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like pain medications, X-ray expenses, funeral costs, doctor visits and nursing services. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Collision insurance
This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for claims like scraping a guard rail, crashing into a building, crashing into a ditch, damaging your car on a curb and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Pontiac Solstice.
Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Liability car insurance
Liability coverage protects you from injuries or damage you cause to other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage pays for claims such as medical services, repair costs for stationary objects, bail bonds and pain and suffering. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.
Comprehensive auto coverage
This pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims such as a tree branch falling on your vehicle, damage from flooding and hail damage. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
