Lower Your 1999 Pontiac Sunfire Insurance Quotes

Nobody likes having to buy auto insurance, in particular when the cost is too high.

There is such a variety of car insurance companies to buy insurance from, and even though it’s nice to be able to choose, it can be more difficult to compare company pricing.

Finding affordable coverage is quite easy. Just about everyone who is required by state law to have auto insurance will be able to find better rates. Nevertheless, vehicle owners must know the way insurance companies price insurance differently and take advantage of how the system works.

How to Compare Auto Insurance Costs

All the larger auto insurance companies allow you to get prices for coverage online. Getting online quotes is fairly simple as you just enter your coverage preferences into the quote form. Once entered, their rating system obtains your credit score and driving record and provides a quote determined by many factors. Quoting online streamlines rate comparisons, but the time required to go to different websites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to perform this step if you want to find the best price on auto insurance.

Compare rates the easy way

The easiest way to lower your rates makes use of a single form that gets prices from a bunch of companies at once. This type of form saves time, eliminates form submissions, and makes online shopping much easier. Once the form is submitted, it is rated and you are able to buy any of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. It takes less than 15 minutes and you will find out if you’re overpaying now.

In order to find out what other companies charge, simply click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you replicate deductibles and limits exactly as they are listed on your policy. Using the same limits helps guarantee you will have rate quotes based on similar coverages.

Parts of the Pontiac Sunfire rate equation

Smart consumers have a good feel for the factors that help determine the price you pay for auto insurance. Having a good understanding of what influences your rates enables informed choices that can help you get better auto insurance rates.

  • An active claims history can cost you – Insurance companies generally give discounts to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for larger claims.
  • Rates may be higher depending on your occupation – Occupations like real estate brokers, social workers and dentists tend to pay the highest average rates in part from stressful work requirements and lengthy work days. Other jobs such as pilots, historians and the unemployed have the lowest average rates for Sunfire insurance.
  • How your age affects price – Young drivers have a tendency to be less responsible behind the wheel so auto insurance rates are higher. Parents adding a teenage driver to your policy can be quite pricey. Older drivers tend to be more responsible, file fewer claims and are safer drivers.
  • Little extras can really add up – There are a lot of extra coverages that you can buy on your auto insurance policy. Coverages for vanishing deductibles, towing coverage and motor club memberships are some examples. They may seem good at first, but if you don’t need them eliminate them to save money.
  • High credit ratings translate to low rates – A driver’s credit history is a big factor in calculating your auto insurance rates. Therefore, if your credit is not that good, you could pay less to insure your 1999 Pontiac Sunfire by spending a little time repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with lower credit scores.
  • Never let your coverage lapse – Letting your insurance expire is a fast way to pay more for auto insurance. And not only will your rates increase, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.You may have to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Discounts for multiple policies – Many insurance companies give discounts to customers who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to comparison shop to verify if the discount is saving money.

Policy discounts you shouldn’t miss

Companies offering auto insurance don’t list all their discounts very well, so we took the time to find both the well known as well as the least known auto insurance savings.

  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less for Sunfire insurance than drivers with accident claims.
  • Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.
  • E-sign – Some insurance companies may give you up to $50 for buying a policy and signing up on their website.
  • Own a Home – Owning a home can save you money because owning a home is proof that your finances are in order.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • New Vehicle Savings – Insuring a new car is cheaper compared to insuring an older model.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt can save 10% or more off the personal injury premium cost.
  • Senior Citizens – If you’re over the age of 55, you may receive a discount up to 10% for Sunfire insurance.
  • Clubs and Organizations – Belonging to a qualifying organization may earn a discount when buying auto insurance for Sunfire insurance.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, it just doesn’t work that way.

A partial list of companies who might offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask every prospective company how you can save money. Discounts might not be offered in your state.

Insurance agents can help

When it comes to buying the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your insurance needs could use an agent’s help.

  • Am I covered if hit by an uninsured driver?
  • Am I better off with higher deductibles on my 1999 Pontiac Sunfire?
  • Why am I required to buy high-risk coverage?
  • How much liability coverage do I need in my state?
  • Can my babysitter drive my car?
  • Are rock chip repairs covered?
  • Am I covered when pulling a rental trailer?
  • How much can I save by bundling my policies?
  • Why does it cost so much to insure a teen driver?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Insurance coverages 101

Learning about specific coverages of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average insurance policy.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for EMT expenses, ambulance fees, X-ray expenses, dental work and surgery. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, a broken windshield, damage from getting keyed and rock chips in glass. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Pontiac Sunfire.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability insurance

Liability coverage can cover damage or injury you incur to other people or property. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like medical services, bail bonds and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

Collision coverage will pay to fix damage to your Sunfire caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Shop smart and save

When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. Your goal should be to buy enough coverage at the best price while still protecting your assets.

Throughout this article, we presented a lot of information how to save on 1999 Pontiac Sunfire insurance. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the biggest savings come from a smaller regional carrier. Smaller companies often have lower prices on specific markets compared to the large companies like Progressive and GEICO.

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