1993 Pontiac Sunbird Insurance Cost – 9 Tips for Cheapest Prices

Scraping up a payment for overpriced Pontiac Sunbird insurance can overdraw your checking account and force you to prioritize other expenses. Doing a price comparison is free and is an excellent way to lower your monthly bill. Lots of auto insurance companies contend for your business, and it can be difficult to compare rates to discover the definitive lowest rate possible.

If you have a policy now or are shopping for new coverage, you can use this information to shop for the lowest rates and possibly find even better coverage. Finding affordable coverage is easy if you know what you’re doing. Consumers just need to learn how to shop over the internet.

You probably qualify for some discounts

Auto insurance companies don’t always publicize every available discount in an easy-to-find place, so here is a list both the well known and the more hidden ways to save on auto insurance. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • 55 and Retired – Mature drivers may qualify for reduced rates for Sunbird insurance.
  • Memberships – Participating in certain professional organizations could trigger savings when buying auto insurance for Sunbird insurance.
  • Government Employees – Simply working for the federal government can save as much as 8% for Sunbird insurance with select insurance companies.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • New Vehicle Savings – Insuring a new car is cheaper compared to insuring an older model.
  • Early Signing – Select companies give a discount for switching policies before your current expiration date. This can save 10% or more.
  • Claim Free – Claim-free drivers pay much less compared to frequent claim filers.
  • Homeowners Savings – Owning a house may trigger a auto insurance policy discount because owning a home shows financial diligence.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way.

Car insurance companies that may have some of the above discounts include:

Check with every prospective company which discounts you may be entitled to. Discounts may not apply in your state.

There’s no such thing as the perfect policy

When buying coverage, there really is not a perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions might help in determining if your insurance needs may require specific advice.

  • When can I cancel my policy?
  • Exactly who is provided coverage by my policy?
  • What is the rate difference between pleasure use and commuting?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Why does it cost so much to insure a teen driver?
  • Does my insurance cover my expensive audio equipment?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • If I drive on a suspended license am I covered?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Coverage specifics

Understanding the coverages of insurance can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement. These are the normal coverages available from insurance companies.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage

This coverage pays for damage to your Sunbird from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as scraping a guard rail, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for expenses for things like rehabilitation expenses, ambulance fees, EMT expenses, pain medications and dental work. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance

Liability coverage provides protection from damage that occurs to other’s property or people in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like repair bills for other people’s vehicles, legal defense fees, pain and suffering, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Comprehensive protection

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, a broken windshield and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Affordable insurance is out there

Low-cost 1993 Pontiac Sunbird insurance is definitely available on the web in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

We just covered a lot of techniques to save on insurance. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. Drivers may discover the most savings is with the least-expected company. Smaller companies often have lower prices on specific markets as compared to the big name companies such as Progressive and GEICO.

To learn more, take a look at the articles below: