Free Guide to Lower Pontiac Solstice Insurance Rates
If shopping your car insurance around was fun, we'd do it much more often. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. Insuring your Pontiac Solstice is probably no exception.
Step One: Insurance Rate Comparison Quotes
If you haven't priced insurance for awhile, you may still think that the only way to compare rates is to drive around town to multiple insurance offices and meet with an agent. Life has gotten easier!
The first step to finding lower Pontiac Solstice rates is to get quotes from all the major car insurance companies. This is fast and easy and only requires you to complete one form.
To start, click the link below to begin entering your information. After you complete the form, you will receive comparison rates from different companies so you easily determine if you can save money.
Insurance Quoting Tip! The only way to accurately compare rates bewteen different companies for your Solstice is to use identical coverage limits on all the quotes. If you use different liability limits and/or deductibles, you won't have an apples-to-apples rate comparison.
Step Two: How to Insure your Solstice for Less
There are many contributing factors that determine what you pay to insure your Pontiac. You can help yourself (and your wallet) by paying attention to the following rate factors.
- If your city or county offers a driver's safety course, find out if your insurance company will give you a discount to complete it. It could save you up to 10%.
- If you're over the age of 55, check to see if you qualify for a senior citizen discount. Qualification age may vary by company
- The extra acceleration and sheer fun of the Solstice will be a trade off for lower insurance rates. If you don't need the sportiness of the vehicle, you'll pay less to insure a lower profile vehicle.
- Car insurance rates for a teen driver on a Pontiac Solstice will be expensive no matter what kind of coverage you have. But if you don't need comprehensive and collision, consider dropping those to save money.
- If you have tended to file small claims with your car insurance company in the past, you're most likely going to pay higher premiums in the future. Consider paying minor claims out-of-pocket instead of blemishing your claim history.
- How is your credit rating? The better credit you have, the less insurance will cost for your Solstice. If you have bad credit, work on improving your credit score and repair past credit problems.
- Homeowners often see a break on their car insurance rates because there is a correlation between owning a home and being a responsible driver.
- One of the easiest ways to cut your rates is to increase your comprehensive and collision deductibles. By having a higher deductible like $500 or even $1,000, you can save 30% or more on physical damage coverage.
- Air bags, antilock brakes, traction control, and stability control all help lower the cost of insurance due to reducing the risk of injury in an accident.
- Speeding and other minor violations can impact your car insurance rates for up to three years. The increased cost can easily exceed the fine and court costs for the original ticket.
- Gaps in insurance coverage will cause problems for your insurance rates. Don't let your policy expire without having new coverage in place.
- If you car makes the top ten list of most stolen cars, you might be paying a little extra to insure it.
Step Three: Choose a Company and Bind Coverage
Once you have compared identical rate quotes for your Solstice and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
The key thing to keep in mind when buying a new policy is you do not want your old policy to lapse. Make sure the effective date of the new policy is on or before the expiration date of your current policy.
When buying a new vehicle, coverage will extend from your existing policy. But if you don't have a car insurance policy, you will want to make sure you have coverage BEFORE you drive off the lot. Most car insurance companies will extend coverage to newly purchased vehicles, but only up to the limits of the best insured vehicle. So if you only carry liability insurance and no physical damage coverage, your new purchase will be inadequately insured until you specifically add it to the policy with full coverage.
Upon completion of buying your policy, you need to print out the financial responsibility card that must be kept in your vehicle at all times. Replace any old cards and promptly replace expired cards. If you qualilfy as a high-risk driver after being convicted of a DUI, reckless driving or driving on a suspended license, you may be required to file an SR-22 with your state's DMV. Be sure your new car insurance company is aware of this filing requirement.
Additional Learning Resources
For more detailed car insurance topics, visit the Insurance Information Institute.
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