Cheaper 1995 Pontiac Sunfire Insurance Cost

Are you tired of trying to scrape together enough money each month for car insurance? You are in the same boat as the majority of other car owners.

Multiple insurers compete for your business, and because of this it can be hard to compare insurers to find the best price available.

Consumers should take time to price shop coverage yearly because rates trend upward over time. Even if you got the best deal for Sunfire coverage two years ago you may be paying too much now. Forget all the misinformation about car insurance because we’re going to demonstrate the only way to buy cheaper car insurance.

How to reduce Pontiac Sunfire insurance rates

Insurance can cost an arm and a leg, buy you may qualify for discounts to help offset the cost. A few discounts will automatically apply at quote time, but a few must be manually applied prior to getting the savings.

  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
  • One Accident Forgiven – Some insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Homeowners Savings – Owning a house can save you money because owning a home shows financial diligence.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Distant Student – Kids in college who are attending college and do not have a car may be able to be covered for less.
  • Drive Less and Save – Fewer annual miles on your Pontiac can qualify you for a substantially lower rate.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will reduce the amount you have to pay.

Car insurance companies who might offer some of the above discounts are:

Double check with each company which discounts you may be entitled to. Discounts might not apply in your area.

What determines your Pontiac Sunfire insurance premium

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for auto insurance. Understanding what influences your rates helps enable you to make changes that could result in better auto insurance rates.

The list below includes some of the items that factor into premiums.

  • Do you have enough liability coverage? – Your policy’s liability coverage is the protection in the event that you are found to be at fault for personal injury or accident damage. It provides for a legal defense which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
  • Safe vehicles cost less to insure – Cars with high safety ratings tend to have better insurance rates. Safer cars reduce injuries and fewer injuries means less money paid by your insurance company passed on to you as lower rates. If your Pontiac Sunfire is rated at least four stars on or an “acceptable” rating on it is probably cheaper to insure.
  • High numbers of claims are not good – Insurance companies provide discounts to insureds who do not rely on their insurance for small claims. If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Better credit means lower rates – A driver’s credit score is a important factor in calculating your auto insurance rates. People with high credit ratings tend to be more responsible than drivers with lower ratings. If your credit rating is low, you could be paying less to insure your 1995 Pontiac Sunfire by repairing your credit.
  • Your location is important – Living in less populated areas has it’s advantages when talking about auto insurance. City drivers tend to have congested traffic and longer commutes to work. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Pay less if you’re married – Getting married can actually save you money on auto insurance. Marriage is viewed as being more mature than a single person it has been statistically shown that married drivers get in fewer accidents.
  • Lower miles equals lower premium – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage based upon how you use the vehicle. Cars and trucks left parked in the garage qualify for better rates than vehicles that are driven to work every day. Make sure your auto insurance coverage properly reflects the proper vehicle usage. Incorrect usage on your Sunfire may be costing you.
  • No coverage gaps is important – Allowing your coverage to lapse will be a sure-fire way to increase your auto insurance rates. Not only will rates go up, but not being able to provide proof of insurance can result in a steep fine or even jail time.

Tailor your coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions may help you determine whether or not you would benefit from an agent’s advice.

  • Do I need motorclub coverage?
  • Is my babysitter covered when using my vehicle?
  • When does my teenage driver need to be added to my policy?
  • How do I insure my teen driver?
  • How much underlying liability do I need for an umbrella policy?
  • When would I need rental car insurance?
  • Will my rates increase for filing one claim?
  • Am I insured when driving a different vehicle?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area.

Advertising myths

Insurance companies such as State Farm, Allstate and GEICO consistently run ads in print and on television. They all seem to make an identical promise that you’ll save big if you change to their company. How does each company say the same thing? It’s all in the numbers.

Different companies can use profiling for the driver that is profitable for them. For instance, a driver they prefer might be between 30 and 50, is a homeowner, and chooses high deductibles. A propective insured who meets those qualifications will get very good rates and most likely will pay quite a bit less when switching companies.

Potential customers who don’t measure up to the “perfect” profile must pay higher prices and ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can make those claims.

This illustrates why you need to get quotes from several different companies. Because you never know the company that will provide you with the cheapest Pontiac Sunfire insurance rates.

Auto insurance coverages

Knowing the specifics of your policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Sunfire.

Because many people carry very low liability coverage 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. Most of the time these limits are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for bills such as surgery, X-ray expenses and prosthetic devices. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like vandalism, rock chips in glass, fire damage, a tree branch falling on your vehicle and hail damage. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – This coverage pays for damage to your Sunfire from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a ditch, backing into a parked car, rolling your car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Coverage for liability – This coverage protects you from injuries or damage you cause to a person or their property. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as attorney fees, structural damage and loss of income. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Don’t throw your cash in the trash

Affordable 1995 Pontiac Sunfire insurance can be bought from both online companies as well as from independent agents, so compare prices from both in order to have the best chance of saving money. Some companies don’t offer online quoting and these smaller companies work with independent agents.

You just read many ways to lower your insurance rates. It’s most important to understand that the more companies you get rates for, the better your comparison will be. You may be surprised to find that the best price on insurance is with some of the smallest insurance companies. Regional companies may only write in your state and offer lower rates than their larger competitors like State Farm or Progressive.

As you prepare to switch companies, it’s not a good idea to skimp on critical coverages to save a buck or two. In many cases, someone sacrificed collision coverage and learned later that they should have had better coverage. The proper strategy is to buy a smart amount of coverage at an affordable rate while still protecting your assets.

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