Has it been a year or more since you last compared quotes for the cheapest Pontiac Solstice insurance in San Diego? Think you have overpriced Pontiac Solstice insurance in San Diego? Don’t feel bad because there are many San Diego consumers feeling the pinch from expensive insurance.
Inconceivable but true, nearly 70% of consumers have bought insurance from the same company for at least four years, and virtually 40% of consumers have never shopped around. Drivers in California could save themselves as much as 35% a year just by getting comparison quotes, but they don’t want to spend time to go online and compare rates. Popular companies such as State Farm, GEICO and Farmers Insurance increase brand awareness with ads and consumers find it hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.
It’s important to quote other rates periodically since insurance rates change frequently. Just because you had the best deal on Pontiac Solstice insurance in San Diego two years ago you can probably find a better price now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the tricks you need to know to lower your rates without sacrificing coverage.
All major insurance companies give pricing from their websites. Doing online price comparisons for Pontiac Solstice insurance in San Diego is very simple as you just type in your required coverages as requested by the quote form. Once entered, their quoting system orders your driving and credit reports and returns pricing information based on these factors. Using the web to get price quotes for Pontiac Solstice insurance in San Diego makes it a lot easier to compare rates and it’s absolutely necessary to have as many quotes as possible in order to find a lower rate.
To save time and get comparison pricing now, compare rates now from the companies shown below. If you currently have coverage, we recommend you input deductibles and limits as close as possible to your current policy. Doing this assures you will have a fair comparison for exact coverage.
The companies shown below have been selected to offer price comparisons in San Diego, CA. If more than one company is shown, it’s highly recommended you compare several of them to get a more complete price comparison.
Save with these six discounts
Insurance is not inexpensive, but you may find discounts that can dramatically reduce your bill. Certain credits will be shown when you quote, but some must be asked for before they will apply.
- Cautious Driver Discounts – Insureds without accidents could pay up to 40% less than less cautious drivers.
- Early Switch Discount – Some larger companies give discounts for switching policies before your current coverage expires. You could save around 10% when you buy San Diego car insurance online.
- Claim Free – Insureds with no claims or accidents can save substantially in comparison to insureds who have frequent claims or accidents.
- Telematics Discount – San Diego drivers who agree to allow companies to analyze vehicle usage by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive may see discounts as long as they are good drivers.
- Auto/Home Discount – When you have multiple policies with the same insurance company you will save as much as 10 to 15 percent.
- Discounts for New Vehicles – Insuring a vehicle that is new can save you some money because newer vehicles are generally safer.
A little disclaimer on discounts, some credits don’t apply to the entire policy premium. Most only cut specific coverage prices like liability and collision coverage. So even though they make it sound like you can get free auto insurance, it’s just not the way it works.
A few popular companies and a selection of discounts are detailed below.
- Progressive policyholders can earn discounts including continuous coverage, online signing, homeowner, multi-policy, and online quote discount.
- Farmers Insurance may include discounts for business and professional, youthful driver, early shopping, mature driver, good student, bundle discounts, and distant student.
- Farm Bureau may have discounts that include 55 and retired, youthful driver, good student, safe driver, multi-policy, and driver training.
- State Farm discounts include good driver, passive restraint, anti-theft, multiple policy, good student, driver’s education, and Drive Safe & Save.
- GEICO offers discounts including anti-theft, five-year accident-free, seat belt use, membership and employees, daytime running lights, multi-vehicle, and emergency military deployment.
- SAFECO offers premium reductions for teen safe driver, homeowner, bundle discounts, teen safety rewards, anti-theft, and anti-lock brakes.
- Liberty Mutual includes discounts for new vehicle discount, multi-policy, multi-car, safety features, and teen driver discount.
If you are trying to find affordable San Diego car insurance quotes, ask every insurance company which discounts you may be entitled to. Some discounts might not be offered in your area. For a list of companies that offer multiple discounts in California, follow this link.
Comparing quotes from local San Diego insurance agencies
Many drivers just want to sit down and talk to an agent and that is OK! Agents are very good at helping people manage risk and help file insurance claims. One of the best bonuses of comparing rates online is you may find better rates and still choose a local agent. Supporting local insurance agencies is definitely important in San Diego.
For easy comparison, once you complete this form (opens in new window), the quote information is emailed to insurance agents in San Diego that can give you free San Diego car insurance quotes and help you find cheaper coverage. There is no need to find an agent due to the fact that quote results will go immediately to your email address. If you need to quote rates from a specific insurance company, feel free to visit that company’s website and fill out their quote form.
Choosing an insurer should depend on more than just the bottom line cost. These questions are important to ask:
- Can you get a list of referrals?
- Does the company have a local claim office in San Diego?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- When do they do a full risk review?
- Are they actively involved in the community?
Can switching companies really save?
California drivers get pounded daily by advertisements for car insurance savings from companies such as Progressive, Allstate and GEICO. They all say the same thing that drivers will save a bundle if you move your coverage to them.
But how can every company sell you cheaper insurance coverage? Here is how they do it.
Car insurance companies require specific criteria for the type of driver that earns them the most money. For example, this type of insured should be over the age of 45, has no tickets, and the vehicle is rated for pleasure use. Any new insured who matches those parameters receives the best premium rates in San Diego and have a good chance to save a lot on San Diego Pontiac Solstice insurance if they switch.
People who are not a match for this stringent profile may be forced to pay higher rates and the customer not buying. The ads state “drivers that switch” but not “everyone who gets a quote” save that much. This is how companies can truthfully make claims like that.
Because of this risk profiling, you absolutely need to get a wide range of price quotes. Because you cannot predict the company that will fit your personal profile best.
Insurance policy specifics
Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.
Liability insurance – This protects you from damages or injuries you inflict on other’s property or people in an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 15/30/5 which means a $15,000 limit per person for injuries, $30,000 for the entire accident, and $5,000 of coverage for damaged property. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.
Liability insurance covers claims like emergency aid, repair costs for stationary objects, medical expenses, attorney fees and structural damage. How much liability coverage do you need? That is up to you, but buy as large an amount as possible. California requires drivers to carry at least 15/30/5 but it’s recommended drivers buy more coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Pontiac Solstice.
Since a lot of drivers only purchase the least amount of liability that is required (which is 15/30/5), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.
Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like a tree branch falling on your vehicle, rock chips in glass, hail damage, a broken windshield and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Collision – Collision coverage will pay to fix damage to your Solstice resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as colliding with another moving vehicle, colliding with a tree, driving through your garage door, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible on your Solstice to get cheaper collision coverage.
Medical payments and PIP coverage – Med pay and PIP coverage kick in for short-term medical expenses like ambulance fees, prosthetic devices and hospital visits. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible
One last thing to lower rates
The cheapest Pontiac Solstice insurance in San Diego is attainable both online in addition to many San Diego insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who don’t offer internet price quotes and most of the time these regional insurance providers only sell coverage through independent insurance agents.
We covered a lot of ways to reduce Pontiac Solstice insurance car insurance rates online in San Diego. The key thing to remember is the more providers you compare, the better chance you’ll have of finding inexpensive San Diego car insurance quotes. Consumers may even find the lowest car insurance rates come from the smaller companies. They can often insure niche markets at a lower cost than their larger competitors like Progressive or GEICO.
Additional auto insurance information is located on the following sites:
- Choosing a Car for Your Teen (State Farm)
- How Much is Auto Insurance for Real Estate Agents in San Diego? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Ford Explorer in San Diego? (FAQ)
- How Much are San Diego Auto Insurance Rates for Good Drivers? (FAQ)
- Who Has the Cheapest San Diego Auto Insurance Rates for Hybrid Vehicles? (FAQ)
- Who Has Affordable Car Insurance for First-time Drivers in San Diego? (FAQ)
- Who Has Cheap San Diego Car Insurance Quotes for a Chevrolet Silverado? (FAQ)
- Should I Buy a New or Used Car? (Allstate)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)