1998 Pontiac Sunfire Insurance Cost – 8 Tips for Cheapest Prices

Consumers have options when looking for low-cost Pontiac Sunfire insurance. You can either waste hours driving around to compare prices or leverage the internet to compare rates. There are both good and bad ways to find car insurance online so you’re going to learn the absolute fastest way to compare rates on a Pontiac and get the cheapest rates either online or from local insurance agents.

How to Get Cheap Car Insurance

Most companies like State Farm, GEICO and Progressive allow you to get insurance quotes online. Getting online rates is fairly straightforward as you just type in the amount of coverage you want as requested by the quote form. After the form is submitted, the company’s rating system obtains reports for credit and driving violations and provides a quote determined by many factors.

Online price quotes makes comparing rates easy, but having to visit multiple sites and type in the same information is monotonous and tiresome. Unfortunately, it is important to do this in order to get the lowest possible prices on car insurance.

The easiest way to find lower prices requires only one form that gets prices from several different companies. The form is fast, requires much less work on your part, and makes online shopping a little more enjoyable. As soon as the form is sent, it is rated and you can choose your choice of the quotes returned. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. It can be completed in a matter of minutes and may result in a nice savings.

To compare rates now, click here to open in new window and submit the form. If you have coverage now, it’s recommended you copy the limits and deductibles as close as possible to your current policy. This way, you will be getting rate quotes based on similar coverages.

Pay less for Pontiac Sunfire insurance

Car insurance companies don’t always list every discount in a way that’s easy to find, so we break down both well-publicized and also the lesser-known auto insurance savings. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Sign Early and Save – Select companies give a discount for switching to them before your current policy expires. It can save you around 10%.
  • Senior Discount – Mature drivers may be able to get a small decrease in premiums on Sunfire coverage.
  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Pontiac can earn better rates on cars that stay parked.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.

Consumers should know that most discount credits are not given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

Insurance companies who might offer these benefits include:

Before buying, ask each company how you can save money. Discounts may not be available in your state.

Tailor your coverage to you

When it comes to choosing coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight if your insurance needs could use an agent’s help.

  • Does my liability insurance cover pulling a trailer or camper?
  • Does coverage extend to Mexico or Canada?
  • Should I drop comprehensive coverage on older vehicles?
  • Who is covered by my policy?
  • What are the financial responsibility laws in my state?
  • When can I cancel my policy?
  • Do I need medical payments coverage since I have good health insurance?

If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, complete this form. It’s fast, free and you can get the answers you need.

Insurance coverage breakdown

Having a good grasp of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Liability auto insurance

This coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as funeral expenses, bail bonds and medical expenses. How much coverage you buy is a personal decision, but buy as much as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Pontiac Sunfire.

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 is very important.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like X-ray expenses, doctor visits, EMT expenses, rehabilitation expenses and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, vandalism and hail damage. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

Collision coverage pays for damage to your Sunfire resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as sustaining damage from a pot hole, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Quote more, save more

When trying to cut insurance costs, you should never reduce needed coverages to save money. There have been many situations where consumers will sacrifice physical damage coverage and learned later that they should have had better coverage. The proper strategy is to purchase plenty of coverage at the best price while not skimping on critical coverages.

Drivers change insurance companies for a variety of reasons including policy non-renewal, high prices, poor customer service and delays in paying claims. Regardless of your reason, finding a new insurance coverage company can be pretty painless.

Low-cost 1998 Pontiac Sunfire insurance can be purchased on the web in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance coverage companies do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

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