Feel like you’re a prisoner to an underperforming, overpriced insurance policy? Believe me, you are not the only one feeling buyer’s remorse. Since consumers have many different company options, it’s nearly impossible to find the cheapest insurer.
Auto insurance companies don’t always list all available discounts very well, so the following is a list of both well-publicized and the more hidden savings tricks you should be using. If you don’t get every credit available, you’re paying more than you need to.
Drivers should understand that most of the big mark downs will not be given to the entire cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you can get free auto insurance, you’re out of luck.
Companies that may offer these discounts may include but are not limited to:
Double check with every prospective company which discounts they offer. Some discounts may not be available in your state.
There are a variety of methods to compare 2001 Pontiac Sunfire auto insurance quotes, but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with agents in your area, or you can utilize online quotes to achieve your goal.
Most major companies take part in a program that allows shoppers to submit their information once, and every company can give them a price for coverage. This system prevents you from having to do quote forms to each individual auto insurance company.
To submit your quote information now, click to open in new window.
The only downside to pricing coverage this way is you cannot specify the providers to receive prices from. So if you want to choose specific providers to compare prices, we have a listing of companies who write auto insurance in your area. Click here to view list.
It’s your choice how you get your quotes, but make darn sure you compare the exact same coverages with each company. If the quotes have mixed coverages you can’t possibly determine the lowest rate for your Pontiac Sunfire.
When buying coverage, there is no one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if your situation would benefit from professional advice.
If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.
Knowing the specifics of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement. Shown next are typical coverages available from insurance companies.
Collision protection
This coverage will pay to fix damage to your Sunfire from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like driving through your garage door, rolling your car, sideswiping another vehicle, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.
Liability car insurance
Liability insurance protects you from damage that occurs to a person or their property. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.
Liability insurance covers things like legal defense fees, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.
Medical costs insurance
Med pay and PIP coverage provide coverage for bills for things like dental work, surgery, rehabilitation expenses and doctor visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible
UM/UIM Coverage
This gives you protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Pontiac Sunfire.
Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.
Comprehensive or Other Than Collision
This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as damage from flooding, hitting a bird and vandalism. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
We just showed you a lot of techniques to get a better price on 2001 Pontiac Sunfire insurance. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from a small local company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, GEICO and Progressive.
As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice comprehensive coverage or liability limits only to regret that they should have had better coverage. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.
More tips and info about insurance coverage can be found at these sites: