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Pontiac Sunfire Insurance Rates

You have many choices when insurance shopping for your Pontiac vehicle. You can either buy through a local agent or price shop online to compare rates from many different companies. Comparing auto insurance from online companies is simple to do, in addition you might just save a little.

Using the web to shop for auto insurance direct can be complicated if you have never used online quotes. Don't let that stop you because comparing prices is actually very simple. Cutting your Sunfire insurance cost is actually quite simple. Drivers just need to take a couple of minutes to get quotes online with multiple companies. This can be done by comparing rates here.

Criteria which help determine your insurance rates

Auto insurance rates for your Pontiac Sunfire can vary widely subject to many criteria. A few of these criteria are:

  • More performance equals higher cost
  • Any accidents you may have
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Optional coverages like vehicle replacement
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

A final factor that can impact Sunfire insurance rates is the model year. Newer models have a higher value in comparison to later models so the payout to repair can inflate annual premiums. But newer vehicles may have a trim level with safety features including anti-lock brakes, pedestrian detection, active head restraints, and an advanced theft deterrent system which can lower rates.

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

Liability coverage - Sunfire liability coverage can cover injuries or damage you cause to other's property or people. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so consider buying higher limits if possible.

Collision - This coverage covers damage to your Pontiac resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverage - 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 your Pontiac Sunfire comprehensive insurance. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP reimburse you for bills (i.e. ambulance fees, surgery, and doctor visits). They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay.

How Much are Pontiac Sunfire Insurance Rates?