Overpriced Pontiac Sunbird insurance can take a big chunk out of your savings account and force you to make sacrifices. Shopping your coverage around is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.
Drivers have so many insurance companies to buy insurance from, and though it is a good thing to have multiple companies, it can be more difficult to locate the cheapest rates.
You should make it a habit to check insurance prices periodically because insurance rates are constantly changing. If you had the best deal on Sunbird coverage six months ago other companies may now be cheaper. So forget all the misinformation about insurance because we’re going to show you the best way to lower your annual insurance bill.
Companies offering auto insurance do not list every available discount in an easy-to-find place, so we break down both the well known as well as the least known auto insurance savings.
Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like adding up those discounts means a free policy, companies don’t profit that way.
Companies that may have these benefits are:
Before buying, ask every prospective company how you can save money. All car insurance discounts might not apply everywhere.
When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that can help discover if you might need professional guidance.
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.
State Farm, GEICO and Progressive consistently run ads in print and on television. All the companies have a common claim that you can save if you change your coverage to them. How do they all make the same claim?
Insurance companies are able to cherry pick for the driver that makes them money. A good example of a driver they prefer could be over the age of 40, has no driving citations, and has great credit. A customer getting a price quote that hits that “sweet spot” receives the best rates and most likely will save when they switch companies.
Potential insureds who don’t measure up to the requirements will be quoted higher rates which leads to business not being written. The ad wording is “customers that switch” not “everybody who quotes” save money. That’s why companies can truthfully advertise the savings. This emphasizes why you need to compare as many rates as you can. It’s not possible to predict which company will give you the biggest savings on Pontiac Sunbird insurance.
Having a good grasp of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average car insurance policy.
Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Pontiac Sunbird.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Collision – This will pay to fix damage to your Sunbird resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things like crashing into a ditch, sustaining damage from a pot hole, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like chiropractic care, X-ray expenses, rehabilitation expenses, dental work and funeral costs. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay
Auto liability insurance – This coverage can cover damage that occurs to other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.
Liability insurance covers things like pain and suffering, repair bills for other people’s vehicles, emergency aid and loss of income. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.
Comprehensive (Other than Collision) – This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as theft, falling objects, hitting a bird and vandalism. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Budget-conscious 1990 Pontiac Sunbird insurance is available on the web as well as from independent agents, so you should be comparing quotes from both to have the best selection. Some insurance companies don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.
When you buy insurance online, it’s a bad idea to reduce coverage to reduce premium. In many cases, an accident victim reduced comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at an affordable rate while not skimping on critical coverages.
We covered some good ideas how to get a better price on insurance. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. You may even find the best price on insurance coverage is with a company that doesn’t do a lot of advertising. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm and Allstate.
Additional information can be found at these links: