1991 Pontiac Sunbird Insurance Quotes – 7 Ways to Save

Want better insurance coverage rates for your Pontiac Sunbird? Buying the cheapest insurance coverage on the internet is impossible for consumers not familiar with shopping for insurance online. With so many choices of insurers to choose from, how can consumers possibly compare every one to find the cheapest rates?

It’s smart to check insurance coverage prices before your policy renews since insurance rates change frequently. If you had the best price on Sunbird insurance a year ago a different company probably has better rates today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the proper way to get good coverage at a lower rate.

Don’t overlook these seven discounts

Companies do not list every available discount very well, so we took the time to find both the well known as well as the least known ways to save on auto insurance.

  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less on Sunbird insurance than drivers with accident claims.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Club Memberships – Affiliation with certain professional organizations could qualify you for a break when shopping for auto insurance on Sunbird insurance.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • Low Mileage – Keeping the miles down on your Pontiac could qualify for better rates on cars that stay parked.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.

Consumers should know that some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though it sounds like it’s possible to get free car insurance, it doesn’t quite work that way.

Insurance companies who might offer these money-saving discounts include:

Before buying, ask each company which discounts they offer. All car insurance discounts may not be available in your area.

Is my situation unique?

When it comes to buying adequate coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine if your situation might need an agent’s assistance.

  • I have a DUI can I still get coverage?
  • Does insurance cover damages from a DUI accident?
  • Can I afford low physical damage deductibles?
  • Why am I required to buy high-risk coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • If I drive on a suspended license am I covered?
  • How much liability coverage do I need in my state?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Don’t listen to company ads

Insurance coverage providers like 21st Century, Allstate and State Farm regularly use ads on television and other media. They all have a common claim that you can save if you move your coverage to them. How does each company say the same thing?

All companies have a preferred profile for the driver that earns them a profit. For instance, a profitable customer might be between 30 and 50, owns a home, and drives newer vehicles. Any driver who matches those parameters gets the lowest rates and is almost guaranteed to save when switching.

Potential customers who are not a match for the “perfect” profile will be quoted higher rates and ends up with business going elsewhere. The ad wording is “customers that switch” not “everyone that quotes” save money. This is how companies can truthfully make those claims. This emphasizes why drivers must quote coverage with many companies. You cannot predict which company will give you the biggest savings on Pontiac Sunbird insurance.

Car insurance coverage basics

Knowing the specifics of your policy helps when choosing which coverages you need for your vehicles. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Collision coverage – Collision coverage covers damage to your Sunbird resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like damaging your car on a curb, sideswiping another vehicle, driving through your garage door, rolling your car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – This coverage pays for 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 coverage protects against claims like hail damage, theft, hitting a deer and a broken windshield. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments – Med pay and PIP coverage provide coverage for expenses like nursing services, dental work and pain medications. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Liability car insurance – Liability insurance provides protection from damage that occurs to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers things like repair bills for other people’s vehicles, legal defense fees and attorney fees. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

In Summary

Drivers leave their current company for any number of reasons including lack of trust in their agent, policy non-renewal, high prices and even denial of a claim. It doesn’t matter what your reason, choosing a new insurance company can be pretty painless.

Cheaper 1991 Pontiac Sunbird insurance can be sourced on the web and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

You just learned some good ideas how to reduce insurance prices online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance coverage is with a lesser-known regional company.

Additional information