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Pontiac Sunbird Insurance Cost

You have many choices when shopping for car insurance for your Pontiac vehicle. You can buy from a local agent or shop online to compare rates from many different auto insurance companies. Buying auto insurance through online rate quotes is easy, in addition you might just save a little.

People who are new to comparing rates may think finding low-cost Sunbird insurance is going to be difficult. Lowering your Sunbird insurance rates can be surprisingly simple. You just need to take a few minutes to get quotes from different insurance companies. This can be accomplished by comparing rates here.

Criteria which help determine Pontiac insurance rates

Auto insurance rates on a Pontiac Sunbird can fluctuate considerably based upon several criteria. A few of these criteria are:

  • The performance level of your Sunbird
  • Accidents raise premiums
  • Multiple policies can save money
  • Pleasure use vs. commuting use
  • Mature drivers pay less
  • Whether you are married
  • Optional coverages like vehicle replacement
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

A final factor that helps determine Sunbird insurance cost is the model year. Newer models cost more in comparison to later models so repair costs are higher which may result in higher rates. But new Pontiac models may have a trim level with safety features including adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance which may lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Sunbird from the following list.

Auto liability

Liability insurance provides protection from injuries or damage you cause to people or other property in an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. Collision coverage for your Sunbird can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your Pontiac Sunbird comprehensive insurance. The most a auto insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They are often used in conjunction with a health insurance program or if there is no health insurance coverage. PIP is not universally available and gives slightly broader coverage than med pay.

How Much are Pontiac Sunbird Insurance Rates?