Really, the only way to get more affordable Pontiac Solstice insurance in Dallas is to do an annual price comparison from insurers that sell auto insurance in Texas. Price quotes can be compared by following these guidelines.
First, gain an understanding of individual coverages and the things you can control to drop your rates. Many rating criteria that drive up the price like inattentive driving and a bad credit score can be rectified by being financially responsible and driving safely. This article provides tips to get lower rates and get additional discounts that may have been overlooked.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like GEICO or State Farm, while independent agents can give you price quotes from multiple companies.
Third, compare the new quotes to your existing coverage to see if a cheaper price is available. If you find a lower rate and buy the policy, make sure there is no lapse in coverage.
Fourth, notify your company or agent of your intention to cancel your existing policy and submit payment and a completed application to the newly selected company. As soon as you receive it, store the proof of insurance paperwork in your glove compartment.
An important note is to use identical coverage information on every price quote and and to compare as many companies as possible. Doing this ensures an apples-to-apples comparison and the best price quote selection.
It’s an obvious conclusion that insurance companies don’t want you quoting rates from other companies. Drivers who shop around will most likely buy a different policy because there is a good chance of finding a lower-priced company. Remarkably, a study showed that drivers who routinely compared rates saved about $70 a month compared to drivers who never shopped around for lower prices.
If finding the most affordable car insurance in Dallas is the reason you’re reading this, then knowing how to get rate quotes and compare car insurance can help make the process easier and more efficient.
If you already have coverage or just want a better rate, you can use these techniques to shop for the lowest rates without reducing protection. Finding affordable auto insurance coverage in Dallas can initially seem challenging. Comparison shoppers only need to know the most efficient way to compare prices instantly.
Don’t neglect these discounts
Car insurance companies don’t always list every discount in an easy-to-find place, so the below list has some of the more common and also the lesser-known insurance savings.
- Multiple Vehicles – Buying a policy with all your vehicles on the same insurance policy can reduce rates for all insured vehicles.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance.
- Seat Belts Save more than Lives – Requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
- E-sign Discounts – A few larger online companies will discount your bill up to fifty bucks for buying a policy and signing up on your computer.
- Multiple Policy Discount – If you insure your home and vehicles and place coverage with the same company they may give you a discount of up to 20% and get you inexpensive Pontiac Solstice insurance in Dallas.
- Driver Safety – Passing a safe driver class could possibly earn you a 5% discount and make you a better driver.
- ABS Braking Discount – Anti-lock brake equipped vehicles have fewer accidents and earn discounts up to 10%.
- Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 20 to 30 percent.
Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, it doesn’t quite work that way.
To locate insurers with the best Pontiac Solstice insurance discounts in Dallas in Dallas, click this link.
Most larger insurance companies provide price estimates directly from their websites. The process doesn’t take a lot of time as you just type in your personal and coverage information into the form. Once entered, their system sends out for your driving record and credit report and provides a quote determined by many factors. This makes comparing rates easy, and it’s very important to do this if you want to get the lowest possible payments on car insurance.
If you want to get comparison pricing now, check out the car insurance providers below. If you have a policy now, it’s recommended you duplicate deductibles and limits just like they are on your policy. Using the same limits helps guarantee you will receive an apples-to-apples comparison based on the exact same insurance coverage.
The companies shown below are ready to provide free quotes in Dallas, TX. If multiple providers are shown, it’s highly recommended you visit as many as you can in order to get a fair rate comparison.
Pontiac Solstice Insurance Premium Factors
An important part of buying insurance is that you know some of the things that are used to determine the level of your policy premiums. When consumers understand what determines premiums, this allows you to make educated decisions that will entitle you to lower rates.
Shown below are just a few of the factors used by insurance companies to determine your rates.
Premiums are affected by your credit rating – A driver’s credit score can be a huge factor in determining what you pay for car insurance. Insureds with very high credit ratings tend to be less risk to insure than drivers who have lower credit ratings. If your credit history leaves room for improvement, you may save money insuring your Pontiac Solstice by improving your credit score.
High deductibles equal low rates – The deductibles you choose define the amount you are willing to pay out-of-pocket if a claim is determined to be covered. Protection for physical damage, aka comp and collision, covers damage that occurs to your car. Some coverage claims would be a windshield broken by a bird, fire damage, and having a roll-over accident. The higher the amount you have to pay, the less your car insurance will be.
Pay more by driving carelessly – Your driving record impacts premiums far more than you think. Drivers with clean records receive lower rates compared to bad drivers. Having just one speeding ticket can boost insurance rates twenty percent or more. Drivers who have received flagrant citations such as DUI or reckless driving may be required to file a SR-22 with their state DMV in order to legally drive.
Pay more for higher performance vehicles – The performance of the car you are trying to find cheaper insurance for makes a substantial difference in your auto insurance rates. The most favorable rates are usually found on lower performance four cylinder passenger cars, but the final cost of insurance is determined by many other factors.
You may need specialized auto insurance coverage
When quoting and comparing coverage online or from an agent for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions could help you determine if you would benefit from an agent’s advice.
- Should I carry comprehensive and collision coverage?
- Do I need roadside assistance coverage?
- Why am I be forced to buy a membership to get insurance from some companies?
- What is the ISO rating for a Pontiac Solstice?
- What is the difference between personal and commercial auto insurance policies?
- Is business equipment covered while in my vehicle?
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.
Compare prices but still have a neighborhood Dallas auto insurance agent
Some people would prefer to go talk to an agent and we recommend doing that Experienced insurance agents are highly skilled in risk management and help you file claims. An additional benefit of comparing insurance prices online is that drivers can save money and get cheaper premium rates and also buy local. Buying from local agencies is important especially in Dallas.
For easy comparison, once you complete this form (opens in new window), your insurance coverage information is emailed to participating agents in Dallas who will return price quotes for your auto insurance coverage. There is no need to search for any insurance agencies due to the fact that quote results will go directly to your email. If you wish to get a comparison quote for a specific company, just jump over to their website and give them your coverage information.
Pick the best car insurance agent in Dallas for you
If you would like to find a local insurance agency, there are two types of agencies and how they are slightly different. Auto insurance agencies can be described as either independent agents or exclusive agents depending on their employer. Either one can do a good job, but we need to point out the difference in how they write coverage since it may influence the kind of agent you use.
Independent Auto Insurance Agencies or Brokers
These agents are not required to write business for one company so they have the ability to put coverage with many different companies and find the cheapest auto insurance rates. If they find a cheaper price, your agent can switch companies and you don’t have to switch agencies. When shopping rates, you should always get quotes from independent agents to get the best comparison.
Shown below are Dallas independent agencies who can help you get comparison quotes.
Exclusive Auto Insurance Agents
Agents in the exclusive channel work for only one company and examples are Allstate and State Farm. Exclusive agents are unable to provide rate quotes from other companies so they really need to provide good service. Exclusive insurance agents receive a lot of sales training on their company’s products which helps overcome the inability to quote other rates.
The following are exclusive insurance agencies in Dallas that are able to give price quote information.
Picking an car insurance agent needs to be determined by more than just a cheap price quote. Here are some questions you might want to ask.
- How experienced are they in personal risk management?
- Does the agent recommend any additional coverage?
- Is the agency involved in supporting local community causes?
- Where are claims handled?
- If they are an independent agency in Dallas, which companies do they recommend?
- Is there a Errors and Omissions policy in force?
- Do they have a Better Business Bureau rating in Dallas?
Why insurance is not optional
Despite the potentially high cost of Pontiac Solstice insurance, maintaining insurance is not optional due to several reasons.
First, almost all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a loan on your vehicle, it’s most likely the lender will make it a condition of the loan that you have full coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank may insure your Pontiac at a much higher rate and require you to fork over for the expensive policy.
Third, insurance protects both your Pontiac and your assets. It will also provide coverage for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of buying insurance greatly outweigh the cost, particularly for liability claims. On average, a vehicle owner in Dallas is overpaying over $820 a year so it’s very important to do a rate comparison every year to save money.
Lower rates by being persistent
We just covered quite a bit of information on how to get a better price on Pontiac Solstice insurance in Dallas. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest priced auto insurance comes from a small mutual company. Regional companies can often provide lower premium rates in certain areas than the large multi-state companies such as Allstate and Progressive.
Some auto insurance companies may not offer rate quotes online and usually these smaller providers sell through independent agencies. Cheaper Pontiac Solstice insurance in Dallas can be bought both online and also from your neighborhood Dallas agents, and you should be comparing both in order to have the best price selection to choose from.
Much more information about auto insurance in Texas can be read below:
- What is a Telematics Device? (Allstate)
- Who Has Cheap Dallas Auto Insurance Rates for Good Students? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a 20 Year Old Female in Dallas? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Understanding Car Crashes Video (iihs.org)
- Teen Driving Statistics (iihs.org)
- How to shop for a safer car (Insurance Institute for Highway Safety)