Cheap 1995 Pontiac Sunfire Insurance Quotes

Trying to find the cheapest auto insurance rates for your Pontiac Sunfire? Tired of paying out the nose each month for car insurance? Your situation is no different than many other consumers. Companies like GEICO and Progressive all claim big savings, bombarding you with catchy ads and consumers find it hard to see through the deception and do the work needed to find the best deal.

Pieces of the Pontiac Sunfire insurance rate puzzle

Smart consumers have a good feel for the factors that go into determining the price you pay for auto insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that will entitle you to big savings.

  • Your age impacts your rates – Older drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Teenage drivers are statistically proven to get distracted easily behind the wheel therefore auto insurance rates are much higher.
  • Do you qualify for a multi-policy discount? – The majority of insurers give discounts to customers who buy several policies from them. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even with this discount, you still need to compare other company rates to confirm you are receiving the best rates possible.
  • Poor driving leads to higher costs – Good drivers receive lower rates than people who have multiple driving citations. Even a single moving violation can increase rates by as much as thirty percent. Drivers who have severe citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
  • Your location affects your rates – Residing in a rural area can save you money when it comes to auto insurance. Urban drivers regularly have traffic congestion and much longer commute distances. Fewer drivers means reduced accidents and a lower car theft rate.

Discounts mean cheaper 1995 Pontiac Sunfire insurance rates

Companies don’t always list all available discounts very well, so here is a list some of the more common and the harder-to-find ways to save on insurance coverage. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Use Seat Belts – Requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% since new cars are generally safer.
  • Defensive Driving Course – Completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you may save at least 10% off all policies.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Discount for Swiching Early – A few companies offer discounts for switching to them before your current expiration date. The savings is around 10%.
  • Paperless Signup – A few companies may give you up to $50 for buying your policy over the internet.
  • Safe Drivers – Safe drivers may save up to 50% more for Sunfire coverage than drivers with accident claims.
  • Life Insurance – Some companies give lower rates if you buy life insurance from them.

It’s important to note that many deductions do not apply to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way.

For a list of insurers with discount insurance coverage rates, follow this link.

Tailor your coverage to you

When buying the best auto insurance coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different so your insurance should reflect that These are some specific questions can help discover if your situation would benefit from an agent’s advice.

  • What happens if I owe more than my 1995 Pontiac Sunfire is worth?
  • Is other people’s property covered if stolen from my vehicle?
  • Is business equipment covered while in my vehicle?
  • Should I bundle my homeowners policy with my auto?
  • Does insurance cover damages from a DUI accident?
  • What is no-fault insurance?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered when pulling a rental trailer?
  • When would I need rental car insurance?
  • When should I drop full coverage on my 1995 Pontiac Sunfire?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

The coverage is in the details

Knowing the specifics of a insurance policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on most insurance policies.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists 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 only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive (Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, damage from a tornado or hurricane and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for collisions

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

Collision can pay for things like damaging your car on a curb, colliding with another moving vehicle, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as rehabilitation expenses, chiropractic care, dental work and surgery. They can be used in conjunction with a health insurance program or if you do not have health coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Auto liability insurance

Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. It protects you from claims by other people. Liability doesn’t 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 policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as funeral expenses, medical services and emergency aid. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Power to the consumer

We just covered a lot of information how to lower your 1995 Pontiac Sunfire insurance rates. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even discover the biggest savings come from an unexpected company. Regional companies may cover specific market segments cheaper compared to the large companies like Progressive and GEICO.

As you prepare to switch companies, you should never buy less coverage just to save a little money. There are many occasions where an insured dropped comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. Your goal should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

More detailed auto insurance information can be found in these articles: