Compare 1997 Pontiac Sunfire Car Insurance Cost

Searching for lower insurance rates? Consumers have a choice when looking for affordable Pontiac Sunfire insurance. You can either waste hours calling around getting price quotes or use the internet to find the lowest rates.

There are both good and bad ways to buy insurance so you’re going to learn the proper way to compare rates for your Pontiac and find the cheapest rates either online or from local insurance agents.

It’s a great practice to compare premium rates occasionally because insurance prices go up and down regularly. Despite the fact that you may have had the best rate on Sunfire insurance last year you will most likely find a better premium rate today. Ignore everything you know about insurance because we’re going to demonstrate the quickest way to eliminate unnecessary coverages and save money.

The purpose of this post is to familiarize you with the best way to quote coverages and some money-saving tips. If you are paying for car insurance now, you will be able to lower your premiums substantially using these techniques. Consumers just need to understand the proper way to shop for insurance over the internet.

Compare car insurance rates

Lowering your 1997 Pontiac Sunfire car insurance rates is actually quite simple. All you need to do is invest a little time to compare rate quotes from different insurance companies. Price comparisons can be done in just a few minutes using one of these methods.

The fastest way to find low rates would be an industry-wide quote request form like this one (opens in new window). This easy form prevents you from having to do separate forms for each company. A single form gets rate comparisons from multiple companies. Recommended for those who want to invest the least amount of time.
A different way to find more affordable insurance requires a trip to the website for every company you want to comare and repeat the quote process again and again. For instance, we’ll pretend you want comparison quotes from Progressive, Geico and Liberty Mutual. In order to get each rate, you would have to take the time to go to each site and enter your information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
The old school way to compare price estimates to local insurance agencies. Comparing online rate quotes eliminates this option unless you have a need for the professional guidance of a local agent. It is possible to price shop your coverage online but purchase the actual policy in an agency.

You can choose any of those ways to find more affodable coverage, but be certain you are entering the same coverage data for each comparison quote. If each company quotes higher or lower deductibles then you won’t be able to determine the best price for your Pontiac Sunfire.

Your insurance coverage should be tailored to you

When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that might help in determining whether or not you would benefit from an agent’s advice.

What can I do if my company won’t pay a claim?
Where can I find high-risk insurance?
Can I rate high risk drivers on liability-only vehicles?
Is borrowed equipment or tools covered if stolen or damaged?
Am I covered when driving a rental car?
Do I benefit by insuring my home with the same company?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Coverage specifics

Knowing the specifics of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Liability coverage

This coverage provides protection from damage or injury you incur to other people or property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has 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 values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things like pain and suffering, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for bills like rehabilitation expenses, nursing services, chiropractic care, pain medications and doctor visits. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Pontiac Sunfire.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time these limits are set the same as your liablity limits.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from a collision 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 insurance covers things such as driving through your garage door, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, a tree branch falling on your vehicle and a broken windshield. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.