1992 Pontiac Sunbird Insurance Quotes – 10 Savings Tips

Do you get exhausted from sacrificing to make your car insurance payment? You are in the same boat as the majority of other people.

With so many companies to choose from, it can be impossible to choose the lowest cost insurer.

Discounts can really help to save

Some insurance providers don’t always advertise every available discount in an easy-to-find place, so we researched both the well known in addition to some of the lesser obvious savings tricks you should be using when you buy auto insurance online.

  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower price if you buy auto and life insurance together.
  • Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you could save up to 5%.
  • Sign Early and Save – A few larger companies allow discounts for switching policies prior to the expiration date on your current policy. It could save around 10% when you buy auto insurance online.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if it’s offered in school.
  • Fewer Miles Equal More Savings – Low annual miles could be rewarded with substantially lower auto insurancerates.
  • Policy Bundle Discount – If you can combine your home and auto policy and place coverage with the same company you could save at least 10 to 15 percent or more.
  • Cautious Driver Discounts – Accident-free drivers could pay up to 40% less on Sunbird insurance than drivers with accidents.
  • Discounts for Federal Employees – Being employed by or retired from a federal job could provide a small rate reduction on Sunbird insurance but check with your company.
  • Online Discount – A handful of larger companies will provide an incentive get auto insurance on the web.
  • Good Student Discount – Getting good grades may save as much as 25% on a auto insurance quote. The good student discount can last up to age 25.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only apply to individual premiums such as medical payments or collision. Despite the appearance that you could get a free auto insurance policy, you aren’t that lucky.

To find providers who offer online auto insurance quotes, follow this link.

How to buy insurance coverage online

When shopping for the cheapest auto insurance quotes, there are a couple of ways to compare rate quotes from companies that offer insurance coverage in your state. The simplest method to find the lowest Pontiac Sunbird rates is to get quotes online. This is quite simple and can be completed using a couple different methods.

  1. The simplest way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating multiple quote forms for every prospective company. One simple form gets prices estimates from multiple companies.
  2. A more difficult way to compare rate quotes is going to the website of each company to request a price quote. For instance, let’s say you want rates from Farmers, Geico and State Farm. You would have to spend time going to each site individually and enter your information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

How you compare quotes is your choice, just compare the exact same coverages for every quote you compare. If each company quotes differing limits it will be next to impossible to make an equal comparison. Having just a slight variation in coverages can mean a large discrepancy in price. And when price shopping your coverage, comparing more company’s prices will increase your chances of finding the best offered rates. Not every company provides quotes online, so it’s important to compare price quotes on coverage from those companies, too.

Will just any policy work for me?

When it comes to choosing proper insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. These are some specific questions could help you determine whether or not you will benefit from professional help.

  • How much liability do I need to cover my assets?
  • Can I still get insurance after a DUI?
  • How do I buy GAP insurance?
  • Will filing a claim cost me more?
  • What exactly is covered by my policy?
  • Does car insurance cover theft of personal property?
  • How can I force my company to pay a claim?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered when driving someone else’s vehicle?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Car insurance 101

Understanding the coverages of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types found on most insurance policies.

Collision protection

Collision insurance covers damage to your Sunbird resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a parking meter, driving through your garage door, colliding with a tree and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Pontiac Sunbird.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Liability car insurance

Liability insurance provides protection from injuries or damage you cause to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as pain and suffering, attorney fees, structural damage 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.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, a tree branch falling on your vehicle, theft, fire damage and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as funeral costs, nursing services, chiropractic care and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

In Summary

In this article, we covered many ways to get a better price on 1992 Pontiac Sunbird insurance. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the best prices are with a company that doesn’t do a lot of advertising. These companies often have lower rates on specific markets compared to the large companies like Progressive or Geico.

As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where an insured cut liability coverage limits and discovered at claim time that it was a big error on their part. The ultimate goal is to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

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