Compare 1995 Pontiac Sunfire Insurance Quotes

Searching for lower auto insurance rates for your Pontiac Sunfire? Locating low-cost insurance for a Pontiac Sunfire could be difficult, but you can use the following methods to find lower rates. There is a better way to shop for auto insurance so you’re going to learn the best way to compare rates on a Pontiac and get the best price possible from local insurance agents and online providers.

If you are insured now or are looking for a new policy, you can use these tips to get lower rates while maintaining coverages. Shopping for affordable car insurance is quite easy. Drivers only need an understanding of the proper methods to shop online.

Auto insurance quotes comparison

Comparing auto insurance rates can be challenging if you don’t understand the easiest way. You could spend your day talking about coverages with local insurance agents in your area, or you could save time and use online quoting to achieve your goal.

Many of the larger companies enroll in a system that allows shoppers to send in one quote, and every company provides a quote determined by their information. This prevents consumers from doing quotation requests to each company.

To participate in this free quote system, click to open in new window.

The single downside to getting quotes like this is you don’t know exactly the insurers to get pricing from. If you wish to select specific providers for rate comparison, we have a page of the cheapest auto insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just do your best to use the same coverages and limits for each price quote. If each company quotes different deductibles it will be impossible to determine which rate is truly the best.

Slick advertising tricks that work

Consumers constantly see and hear ads for auto insurance savings by 21st Century, Allstate and State Farm. All the ads say the same thing that drivers can save some big amount after switching your policy.

How is it possible that every company can say the same thing? Here is the trick they use.

Most companies quote the lowest rates for the type of customer that will generate a profit. One example of this type of insured might be a married male, owns a home, and drives a lower-performance vehicle. Any person that fits those parameters will get the preferred prices and will probably save quite a bit of money when switching.

Consumers who fall short of these criteria will see more expensive rates with the end result being the customer buying from a different company. If you pay close attention to the ads, they say “drivers that switch” not “all people who quote” will save that much if they switch. This is how companies can truthfully make those claims. Because of this risk profiling, it is so important to get insurance coverage quotes as often as possible. It’s not possible to predict which insurance companies will have the best rates at this point in time.

Smart buyers know how to find car insurance at a discount

An important part of buying insurance is that you know a few of the rating criteria that come into play when calculating the level of your policy premiums. When consumers understand what impacts premium levels, this empowers consumers to make smart changes that may reward you with lower premium levels. Many different elements are part of the calculation when quoting car insurance. Some are pretty understandable like a motor vehicle report, but others are less apparent like your continuous coverage or your vehicle rating.

  • Never have coverage lapses – Having an insurance coverage lapse is a quick way to trigger a rate increase. And not only will your rates increase, the inability to provide proof of insurance might get you a license revocation or jail time. You may have to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Car and home together may be cheaper – Most larger insurers will award lower prices to clients who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, it’s always a smart idea to shop around to help ensure you have the lowest rates. Drivers may still save money by splitting coverages up.
  • Increase comp and collision deductibles and save – Insurance for physical damage, also called comprehensive and collision insurance, is used to repair damage to your Pontiac. Some examples of claims that would be covered are running into the backend of another car, collision with an animal, and damage from a fallen tree branch. The deductibles you choose are the amount of money you are willing to pay if a covered claim is submitted. The more of the claim you’re willing to pay, the less your company will charge you for insurance for Sunfire coverage.
  • Having a spouse is a good thing – Being married helps lower the price compared to being single. Having a significant other means you’re more mature and statistics prove drivers who are married are more cautious.
  • Save money with alarms and GPS tracking – Choosing to buy a car with advanced anti-theft systems can help lower your premiums. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping vehicle theft.

More affordable rates with these auto insurance discounts

Some providers do not list every discount in an easy-to-find place, so the following is a list of a few of the more common as well as some of the hidden discounts that you can inquire about if you buy insurance coverage online.

  • Passive Restraints – Factory options such as air bags or motorized seat belts may get savings of more than 20%.
  • Policy Bundle Discount – When you have multiple policies with one company you could earn a discount of up to 20% and get you low cost insurance coverage.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will save you 10% or more.
  • Save with a New Car – Insuring a new car can get you a discount since newer vehicles have better safety ratings.
  • Auto/Life Discount – Some companies give better rates if you take out some life insurance in addition to your auto policy.
  • Waiver for an Accident – This one is not really a discount per se, but certain companies will forgive one accident without the usual rate increase as long as you don’t have any claims for a specific time period.
  • Discounts for Cautious Drivers – Drivers without accidents may save up to 50% more for Sunfire coverage compared to accident prone drivers.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you could save 5% or more.

It’s important to note that most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky.

If you would like to see a list of providers with discount auto insurance rates, click here to view.

Insurance can get complicated

When buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine if you might need an agent’s assistance.

  • Does my 1995 Pontiac Sunfire need full coverage?
  • Do I need more liability coverage?
  • Am I covered when driving on a suspended license?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I have coverage when making deliveries for my home business?
  • Why am I required to buy high-risk coverage?
  • Who is covered by my policy?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Insurance coverage specifics

Understanding the coverages of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, hail damage, falling objects, rock chips in glass and damage from a tornado or hurricane. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments

Med pay and PIP coverage provide coverage for bills for X-ray expenses, pain medications, prosthetic devices and hospital visits. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, hitting a parking meter, damaging your car on a curb and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability auto insurance

Liability coverage will cover damage that occurs to other people or property in an accident. It protects YOU from legal claims by others, 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. As an example, you may have limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like emergency aid, funeral expenses, medical expenses, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Be a money saver!

Drivers change insurance companies for many reasons like extreme rates for teen drivers, questionable increases in premium, lack of trust in their agent or even not issuing a premium refund. Whatever your reason, choosing a new insurance company is easier than you think.

We covered a lot of ways to lower your 1995 Pontiac Sunfire insurance premium rates. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the best premium rates are with a small local company.

When trying to cut insurance costs, it’s a bad idea to skimp on coverage in order to save money. In too many instances, an accident victim reduced liability limits or collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage for the lowest price, but do not skimp to save money.

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