View 1997 Pontiac Sunfire Insurance Rates

Shoppers have options when shopping for the lowest priced Pontiac Sunfire insurance. You can either spend your time contacting agents to compare prices or leverage the internet to get rate quotes.

There is a right way and a wrong way to find insurance coverage online and we’ll show you the quickest way to get price quotes for a Pontiac and get the lowest possible price.

If you are insured now or need a new policy, you will benefit by learning to cut your premiums and possibly find even better coverage. The purpose of this article is to tell you how to get online quotes. Consumers just need to learn the most effective way to buy car insurance on the web.

Verify you’re getting all your discounts

Insuring your vehicles can cost a lot, but you may find discounts that you may not even be aware of. Certain discounts will be applied at the time you complete a quote, but some must be specially asked for before being credited. If they aren’t giving you every credit available, you are throwing money away.

  • Payment Method – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • Multiple Policy Discount – If you have multiple policies with one company you may earn at least 10% off all policies.
  • College Student – Youth drivers living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • No Accidents – Claim-free drivers can save substantially when compared with accident-prone drivers.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off on Sunfire coverage with a few car insurance companies.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Most only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way. But all discounts will cut the cost of coverage.

A partial list of companies that may have some of the above discounts may include but are not limited to:

Before buying, ask each insurance company what discounts are available to you. Savings might not apply in your area.

Where Can I Get Cheap Insurance Coverage?

All the larger insurance coverage companies like Progressive, Allstate and GEICO allow you to get prices online. This process doesn’t take much effort as you simply enter your required coverages into the quote form. Upon sending the form, their rating system sends out for your driving and credit reports and returns pricing information.

This makes it a lot easier to compare rates but the time it takes to visit multiple sites and complete many quote forms can get tiresome after awhile. But it’s very important to compare as many rates as possible in order to find the best price on insurance coverage.

A more efficient way to get multiple rate quotes uses one simple form to return rates from many companies. This type of form saves time, requires less work, and makes online quotes much more efficient. As soon as you send your information, your coverage is rated and you can select your choice of the resulting price quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. This process only takes a few minutes and can result in significant savings.

To save time and compare pricing, click here to open in new window and submit the form. To compare your current rates, we recommend that you enter the insurance coverages just like they are on your policy. This guarantees you will receive a price comparison for similar coverage.

Why your Pontiac Sunfire might be costing you more

An important part of buying insurance is that you know some of the elements that go into determining insurance coverage rates. Knowing what determines base rates empowers consumers to make smart changes that may reward you with big savings.

Listed below are some of the items used by your company to calculate rates.

  • With age comes lower rates – Teen drivers are known to be more careless behind the wheel so they pay higher insurance coverage rates. If you’ve ever had to add a young driver to your policy can break the bank. Older drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations.
  • Men are more aggressive – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. Both sexes have accidents in similar percentages, but the males tend to have more serious accidents. They also get cited for more serious violations like DUI and reckless driving.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. These vehicles have better occupant injury protection and fewer injuries means less money paid by your insurance company passed on to you as lower rates. If your Pontiac is rated at least four stars on or an “acceptable” rating on it is probably cheaper to insure.
  • Don’t get talked into coverage you don’t need – There are quite a few extra bells and whistles that you can buy on your 1997 Sunfire policy. Coverages like personal injury protection, towing coverage and term life insurance are examples of these. These coverages may sound good when you first buy your policy, but if they’re wasting money get rid of them and save.
  • Your occupation can affect rates – Did you know your occupation can influence how much you pay for insurance coverage? Occupations like lawyers, executives and financial analysts are shown to have higher average rates because of stressful work requirements and long work days. Conversely, occupations such as farmers, engineers and homemakers pay the least on Sunfire coverage.

When should I talk to an agent?

When choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

For instance, these questions may help you determine if your situation may require specific advice.

  • If my pet gets injured in an accident are they covered?
  • Can I still get insurance after a DUI?
  • When should I not file a claim?
  • Do I have coverage when using my vehicle for my home business?
  • What is PIP insurance?
  • How can I get my company to pay me more for my totalled car?
  • Where can I find DUI or SR-22 insurance?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Save $483 a year? Really?

Consumers can’t get away from ads for cheaper car insurance by Progressive, Allstate and GEICO. They all make the same claim of big savings if you switch to their company.

How do they all make almost identical claims?

Insurance companies can use profiling for the right customer that earns them a profit. For example, a profitable customer could be over the age of 40, a clean driving record, and drives newer vehicles. Any new insured who meets those qualifications will get very good rates and most likely will cut their rates substantially.

Consumers who do not match these standards will have to pay higher rates which usually ends up with business not being written. The ads say “customers that switch” but not “drivers who get quotes” save that much money. That is how insurance companies can confidently make those claims.

Because of the profiling, you absolutely need to get quotes from several different companies. It’s just too difficult to predict which insurance company will give you the biggest savings on Pontiac Sunfire insurance.

The coverage is in the details

Having a good grasp of insurance aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for prosthetic devices, chiropractic care and nursing services. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, a tree branch falling on your vehicle and hail damage. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability insurance

Liability insurance can cover damage that occurs to other people or property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like loss of income, medical expenses, pain and suffering, emergency aid and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverage protection

This will pay to fix damage to your Sunfire from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as rolling your car, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Pontiac Sunfire.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Saving money makes a lot of cents

You just read some good ideas how to shop for 1997 Pontiac Sunfire insurance online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers could even find that the best prices are with the smaller companies.

Insureds leave their current company for a variety of reasons including unfair underwriting practices, policy cancellation, an unsatisfactory settlement offer and even extreme rates for teen drivers. No matter why you want to switch, finding a new company is pretty easy and you might even save some money in the process.

Cost effective insurance is available from both online companies as well as from independent agents, and you should be comparing both to have the best selection. Some companies don’t offer online quoting and most of the time these smaller companies sell through independent agents.

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