Lower Your 1993 Pontiac Sunbird Insurance Quotes

Locating the most affordable car insurance on the internet can appear to be rather challenging for drivers who are new to buying their car insurance on the internet. When there are so many insurance companies available, how are we expected to have a chance to compare all the different companies and get the cheapest rates?

It is always a good idea to do price comparisons quite often since insurance prices are variable and change quite frequently. Even if you think you had the best deal on Sunbird insurance a few years ago other companies may now be cheaper. There is a lot of bad information regarding car insurance on the internet, but you can learn some great ideas on how to lower your car insurance rates.

Lower your car insurance rates with discounts

The cost of insuring your cars can be expensive, but you may be missing some discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically when you purchase, but lesser-known reductions have to be asked about before you will receive the discount.

  • Fewer Miles Equal More Savings – Fewer annual miles on your Pontiac could be rewarded with cheaper rates.
  • Accident Free – Drivers who stay claim-free pay less as compared to bad drivers.
  • Early Renewal Discounts – Some larger companies give discounts for switching policies early. The savings is around 10%.
  • Own a Home – Simply owning a home can help you save on car insurance because of the fact that having a home is proof that your finances are in order.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy a life policy as well.
  • Military Deployment Discount – Having a deployed family member may lower your car insurance rates slightly.

It’s important to note that many deductions do not apply to the entire cost. A few only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

For a list of insurers with discount rates, click this link.

How to find the cheapest insurance

There are a lot of ways to shop for insurance, but some are easier and takes less work. You could spend the better part of a day discussing policy coverages with agents in your area, or you could use the internet to achieve your goal.

Many popular insurance companies belong to an insurance system where prospective buyers send in one quote, and each participating company then returns a price quote based on that data. This eliminates the need for quote forms to every company. To fill out one form to compare multiple rates now click here (opens in new window).

The one downside to doing it this way is buyers cannot specifically choose which companies you want to price. If you prefer to choose individual companies to compare prices, we put together a list of insurance companies in your area. Click here to view list.

Whichever method you choose, make absolute certain that you use nearly identical coverage limits and deductibles for each quote you get. If your comparisons have mixed coverages it’s impossible to truly determine the lowest rate. Having just a slight variation in coverages can result in a big premium difference. Just keep in mind that having more price comparisons increases your odds of finding more affordable rates.

You are unique and your insurance should be too

When it comes to choosing the best insurance coverage for your personal vehicles, there is no single plan that fits everyone. Each situation is unique.

For example, these questions can aid in determining if you might need professional guidance.

  • Is my 1993 Pontiac Sunbird covered for smoke damage?
  • I have health insurance so do I need medical payments coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Which companies will insure high-risk drivers?
  • Do I need added coverage for expensive stereo equipment?
  • Will my insurance pay for OEM parts?
  • Why am I required to buy liability insurance?
  • How much liability coverage do I need in my state?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form.

Coverages available on your policy

Having a good grasp of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Auto collision coverage

Collision insurance will pay to fix damage to your Sunbird from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, colliding with a tree, rolling your car and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Liability insurance

This can cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like structural damage, repair bills for other people’s vehicles, attorney fees and loss of income. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Sunbird.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive car insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, fire damage and rock chips in glass. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for short-term medical expenses such as prosthetic devices, dental work and EMT expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Be a penny pincher

Drivers change insurance companies for many reasons like unfair underwriting practices, not issuing a premium refund, policy non-renewal or even policy cancellation. Regardless of your reason, finding the right insurance coverage provider is not as hard as you think.

When searching for low cost insurance coverage quotes, it’s a bad idea to reduce needed coverages to save money. In too many instances, someone sacrificed collision coverage only to find out that they should have had better coverage. The aim is to purchase a proper amount of coverage at the best possible price, but do not sacrifice coverage to save money.

Budget-friendly insurance coverage is attainable from both online companies and from local agencies, and you should be comparing both so you have a total pricing picture. There are still a few companies who do not offer rate quotes online and most of the time these smaller companies provide coverage only through independent agencies.

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