2009 Pontiac Solstice Insurance Rates
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UPDATED: Feb 27, 2020
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Sick and tired of not being able to afford to pay your car insurance bill each month? You are no different than millions of other consumers.
Companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with ad campaigns and it is challenging if not impossible to ignore the promise of big savings and do the work needed to find the best deal.
Best discounts on 2009 Pontiac Solstice coverage
The price of auto insurance can be rather high, but you may find discounts that you may not know about. Some discounts apply automatically when you purchase, but a few must be asked for prior to receiving the credit.
- Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
- Clubs and Organizations – Participating in certain professional organizations is a good way to get lower rates when buying insurance on Solstice insurance.
- Military Discounts – Having a deployed family member could be rewarded with lower premiums.
- No Claims – Good drivers with no accidents can earn big discounts as compared to drivers who are more careless.
- Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
- 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% on Solstice insurance.
- Homeowners Pay Less – Owning a home may trigger a insurance policy discount because maintaining a house requires personal responsibility.
Consumers should know that most discounts do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount will reduce your premiums.
For a list of insurers who offer insurance discounts, click here to view.
Factors determining your Pontiac Solstice insurance premium
It’s important that you understand the factors that go into determining the rates you pay for auto insurance. Knowing what influences your rates allows you to make educated decisions that could result in big savings.
- Lower miles equals lower premium – Driving more miles in a year the more you will pay for auto insurance. Most insurance companies apply a rate based upon how you use the vehicle. Cars not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. An improperly rated Solstice can result in significantly higher rates. Ask your agent if your auto insurance coverage shows the proper vehicle usage.
- Add-on coverages can add up – There are quite a few add-on coverages that can waste your money on your Solstice policy. Insurance for vanishing deductibles, accident forgiveness and membership fees are examples of these. They may seem good initially, but your needs may have changed so eliminate the coverages to reduce your premium.
- Don’t skimp on liability – Liability insurance will protect you when a court rules you are at fault for damages caused by your negligence. It provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
- Do you have a high stress job? – Did you know your auto insurance rates can be affected by your occupation? Careers like lawyers, business owners and stock brokers are shown to have the highest rates in part from job stress and lengthy work days. On the other hand, jobs such as actors, students and homemakers pay the least on Solstice insurance.
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Tailor your coverage to you
When it comes to choosing coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions could help you determine if your insurance needs would benefit from an agent’s advice.
- Will I lose any money if I cancel my policy before it expires?
- Will filing a claim cost me more?
- Am I covered when using my vehicle for business?
- Should I have a commercial auto policy?
- Do I need rental car coverage?
- Should I buy full coverage?
- Is my custom paint covered by insurance?
- Is extra glass coverage worth it?
- Do I have coverage when making deliveries for my home business?
- Will my vehicle be repaired with OEM or aftermarket parts?
What insurance coverages do you need?
Learning about specific coverages of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are the usual coverages found on most insurance policies.
Comprehensive coverage (or Other than Collision) – This pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like a tree branch falling on your vehicle, hitting a bird, vandalism, hitting a deer and hail damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for bills for dental work, prosthetic devices, hospital visits, funeral costs and ambulance fees. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.
Coverage for liability – This protects you from damages or injuries you inflict on other people or property. It protects you against other people’s claims. Liability doesn’t cover 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. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage pays for things such as legal defense fees, bail bonds, structural damage, medical services and court costs. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.
Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against claims like sustaining damage from a pot hole, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.
Make a quick buck
We just showed you quite a bit of information on how to get a better price on 2009 Pontiac Solstice insurance. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may even discover the best price on car insurance is with an unexpected company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or GEICO.
Low-cost insurance is possible on the web and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.
As you go through the steps to switch your coverage, you should never buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced collision coverage only to regret that they should have had better coverage. Your goal should be to get the best coverage possible for the lowest price while still protecting your assets.
Additional detailed information can be found at these sites:
- Cellphones, Texting and Driving (iihs.org)
- Top Signs Your Brakes are Giving Out (State Farm)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Insuring a Leased Car (Insurance Information Insitute)
- Keeping Children Safe in Crashes Video (iihs.org)
- Choosing an Insurance Company (Insurance Information Insitute)
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