Affordable Insurance for a Pontiac Solstice in San Antonio

Trying to find lower-priced Pontiac Solstice insurance in San Antonio? Do you think you bought an under-performing, overpriced auto insurance policy? Don’t sweat it because many San Antonio consumers feel financially strained by their auto insurance policy.

It’s safe to conclude that auto insurance companies don’t want you quoting rates from other companies. Insureds who shop for lower rates will, in all likelihood, switch companies because there is a good chance of finding coverage at a more affordable price. A recent study showed that consumers who compared price quotes annually saved about $865 a year as compared to drivers who never shopped around for lower prices.

If finding low prices for Pontiac Solstice insurance is your ultimate objective, then having some knowledge of the best way to compare cheaper coverage can help you succeed in saving money.

Insurance companies such as GEICO and Progressive continually bombard you with ad campaigns and it is difficult to ignore the propaganda and do the work needed to find the best deal.

It’s a good idea to quote other rates quite often because auto insurance prices trend upward over time. If you had the best deal on Pontiac Solstice insurance in San Antonio a year ago you will most likely find a better premium rate today. Block out anything you think you know about auto insurance because you’re about to learn one of the easiest ways to properly buy coverages while reducing your premium.

Best Pontiac Solstice insurance prices in Texas

The providers in the list below have been selected to offer quotes in Texas. If several companies are displayed, we suggest you click on several of them to get a more complete price comparison.

Save money with these five discounts

Auto insurance can be pricey, but discounts can save money and there are some available that could help you make your next renewal payment. Some trigger automatically when you purchase, but a few need to be requested specifically in order for you to get them.

• Discount for Swiching Early – A few companies give discounts for switching policies early. You can save around 10% with this discount.
• First Accident Forgiveness – This one is not really a discount per se, but some insurance companies allow you one accident before raising your premiums so long as you are claim-free for a set time period.
• Low Mileage Discounts – Keeping the miles down on your Pontiac could qualify for cheaper auto insurance rates.
• Club Memberships – Being in certain professional organizations may earn a discount when shopping for auto insurance.
• Discount for Good Grades – Maintaining excellent grades can save 20 to 25%. Many companies even apply the discount to college students up until you turn 25.

Keep in mind that some credits don’t apply to the overall cost of the policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. Despite the appearance that all those discounts means the company will pay you, companies wouldn’t make money that way.

To see insurance companies that provide some of the discounts listed above in San Antonio, click here to view.

Do I need special coverages?

Keep in mind that when it comes to choosing your policy, there isn’t really a single plan that fits everyone. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might help in determining if your situation would benefit from professional advice.

• Do I have any recourse if my insurance company denies a claim?
• Is my ex-spouse still covered by my policy?
• Is my dog or cat covered if injured in an accident?
• Should I carry comprehensive and collision coverage?
• Can I afford to buy a different vehicle if my Pontiac Solstice is totaled?
• Is my nanny covered when transporting my kids?
• What should my uninsured motorist coverage limits be in Texas?
• Why am I required to get a high-risk car insurance policy?
• Does coverage extend to Mexico or Canada?
• Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Local agents and car insurance

A small number of people just want to get advice from a local agent and that can be a great decision The best thing about comparing rates online is that drivers can save money and get better rates and still choose a local agent. And supporting local insurance agents is important especially in San Antonio.

After filling out this form (opens in new window), your coverage information gets sent to insurance agents in San Antonio that can provide free San Antonio car insurance quotes for your insurance coverage. There is no need to contact an agency because prices are sent immediately to you. You’ll get the best rates without requiring a lot of work. If you want to compare prices for a specific company, you would need to find their quoting web page and submit a quote form there.

The different types of car insurance agents

When looking for a reputable agency, it’s important to understand the different types of agencies and how they are slightly different. Car insurance agents in San Antonio can either be independent agents or exclusive agents depending on their employer.

Independent Agencies or Brokers

Agents of this type do not sell for just one brand and that gives them the ability to insure amongst many companies and find the cheapest car insurance rates. If they quote lower rates, your agent can just switch to a different company and you don’t have to switch agencies. If you need cheaper car insurance rates, you definitely need to get some free quotes from multiple independent agents so that you have a good selection of quotes to compare.

Listed below is a partial list of independent agencies in San Antonio who may be able to give you free car insurance quotes.

View more agents

Exclusive Insurance Agencies

These agents work for only one company such as Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agencies are unable to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive insurance agents are usually well trained on the products they sell which aids in selling service over price.

Shown below are San Antonio exclusive agencies that are able to give price quote information.

View more agents

Picking an auto insurance agent should depend on more than just a cheap price quote. These questions are important to ask:

• Do they review policy coverages at every renewal?
• Can glass repairs be made at your home?
• Does the company have a solid financial rating?
• Are they involved in claim handling?
• Do they regularly work with personal auto policies in San Antonio?
• How experienced are they in personal risk management?
• Is the agent and/or agency licensed to do business in Texas?

Once you have received positive responses to any questions you may have in addition to an acceptable price estimate, most likely you have located an auto insurance agent that is reliable enough to adequately provide car insurance.

Car insurance coverage information

Understanding the coverages of insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages available from insurance companies.

Liability insurance

This can cover damage or injury you incur to other people or property in an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

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. You commonly see limits of 30/60/25 that means you have $30,000 in coverage for each person’s injuries, $60,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims such as attorney fees, court costs, repair costs for stationary objects, funeral expenses and pain and suffering. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford. Texas requires drivers to carry at least 30/60/25 but it’s recommended drivers buy more liability than the minimum.

The chart below demonstrates why buying the state minimum limits may not provide adequate coverage.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses for dental work, pain medications, nursing services, doctor visits and X-ray expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many Texas drivers carry very low liability coverage limits (30/60/25 in Texas), their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, vandalism, theft and hitting a deer. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision insurance

This pays for damage to your Solstice from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as sustaining damage from a pot hole, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible on your Solstice in order to get cheaper collision rates.

Be persistent to save money

Budget-friendly insurance in San Antonio is attainable both online and with local San Antonio insurance agents, and you should compare rates from both to have the best rate selection. Some companies may not offer rate quotes online and usually these regional insurance providers prefer to sell through independent insurance agents.

We just presented a lot of ways to lower your Pontiac Solstice insurance prices in San Antonio. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the biggest savings come from a small mutual company. Smaller companies may cover specific market segments cheaper compared to the large companies like Progressive and GEICO.

To read more, take a look at the resources below:

• Should I Buy a New or Used Car? (Allstate)
• Who Has Cheap Car Insurance for Felons in San Antonio? (FAQ)
• Who Has Cheap Car Insurance Rates for Handicapped Drivers in San Antonio? (FAQ)
• How Much is San Antonio Auto Insurance for High School Students? (FAQ)
• Who Has the Cheapest Car Insurance Rates for Good Drivers in San Antonio? (FAQ)
• Uninsured Motorists: Threats on the Road (Insurance Information Institute)
• Collision Coverage (Liberty Mutual)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
• Side Impact Crash Tests (iihs.org)