Compare 1999 Pontiac Sunfire Insurance Rates

Searching for the cheapest insurance rates for your Pontiac Sunfire? Finding low cost insurance may be hard for people new to online comparison shopping. With so many options of insurers available, it can easily be hard work to locate the lowest premium rates.

It is always a good idea to check insurance prices every six months because prices change frequently. Just because you found the lowest price on Sunfire coverage two years ago other companies may now be cheaper. There is a lot of bad advice regarding insurance on the web, but in just a couple of minutes you can learn some tested techniques to buy insurance cheaper.

First Step: Get free auto insurance quotes

There are several ways to compare prices from different companies. The quickest method to find the lowest 1999 Pontiac Sunfire rates consists of obtaining rate quotes online. It’s really quite simple and can be done in a couple of different ways.

1. The most efficient method to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This quick form eliminates the need for multiple quote forms for each company. One quote request gets rate comparisons from multiple companies. It’s the fastest way to compare.
2. A harder way to find better pricing is going to the website for every company you want to comare and repeat the quote process. For example, let’s assume you want rates from State Farm, Progressive and Geico. To do that, you would have to take the time to go to each site to enter the same coverage data repeatedly, which can take a lot of time.

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

3. The most difficult method to get comparison rates is physically going to different agent offices. Comparing online rate quotes can eliminate the need for a local agent unless you require the advice and guidance that only an agent can give. Some companies do allow you to find lower rates online but buy the policy through an agent.

Which method you use is up to you, but be sure you’re using equivalent quote information with every price quote. If your comparisons have different deductibles you will not be able to decipher which rate is best. Quoting even small variations in coverage limits may cause a big price difference. It’s important to know that comparing a large number of companies helps locate lower pricing.

Take advantage of with these discounts

Some providers don’t always advertise every policy discount in a way that’s easy to find, so the list below details a few of the more common and also the lesser-known credits available to you.

• Sign Early and Save – Some companies provide a discount for buying a new policy before your current policy expires. It can save you around 10%.
• Discounts for Federal Employees – Having worked for a branch of the government can earn a discount up to 10% on Sunfire coverage depending on your car insurance provider.
• Save with a New Car – Adding a new car to your policy can cost up to 25% less because new model year vehicles are generally safer.
• Membership in Organizations – Having an affiliation with a civic or occupational organization could earn you a nice discount on your bill.
• Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.

Please keep in mind that some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, that’s just not realistic.

Large car insurance companies and some of the discounts are detailed below.

• State Farm policyholders can earn discounts including Steer Clear safe driver discount, Drive Safe & Save, driver’s education, anti-theft, multiple autos, defensive driving training, and good driver.
• Geico includes discounts for membership and employees, seat belt use, military active duty, anti-theft, and daytime running lights.
• Liberty Mutual may include discounts for good student, new move discount, new vehicle discount, multi-car, hybrid vehicle, exclusive group savings, and newly retired.
• The Hartford may offer discounts for good student, driver training, bundle, anti-theft, air bag, and defensive driver.
• MetLife offers discounts including multi-policy, good student, accident-free, good driver, defensive driver, claim-free
• Progressive has discounts for online signing, online quote discount, multi-policy, homeowner, good student, and multi-vehicle.

Before you buy a policy, ask each insurance company the best way to save money. All car insurance discounts may not be available everywhere. To locate insurance companies that offer many of these discounts, click here.

Your situation helps dictate your coverage

When choosing coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique.

These are some specific questions might help in determining whether you would benefit from an agent’s advice.

• Exactly who is provided coverage by my policy?
• Will I lose any money if I cancel my policy before it expires?
• Do I need an umbrella policy?
• Do I have coverage if my license is suspended?
• Does my liability insurance cover pulling a trailer or camper?
• What can I do if my company denied a claim?
• What is an SR-22 filing?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Coverages available on your policy

Having a good grasp of your policy can help you determine appropriate coverage for your vehicles. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision – Collision insurance will pay to fix damage to your Sunfire from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sideswiping another vehicle, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Medical costs insurance – Coverage for medical payments and/or PIP pay for expenses like doctor visits, hospital visits, funeral costs and dental work. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – This gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Pontiac Sunfire.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Liability car insurance – This coverage protects you from damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as funeral expenses, attorney fees and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, rock chips in glass and damage from flooding. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.