Cheap 1996 Pontiac Sunfire Car Insurance Quotes

Scraping up a payment for overpriced Pontiac Sunfire insurance can empty your savings account and make it hard to pay other bills. Comparing price quotes is a great way to help make ends meet. Drivers have multiple car insurance companies to buy insurance from, and even though it’s nice to have a choice, too many choices makes it more difficult to adequately compare rates.

Buying car insurance is not rocket science. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these tips. Consumers only need an understanding of the most effective way to find the lowest price online.

How to Compare Auto Insurance Costs

Most companies such as Allstate and Progressive allow you to get insurance quotes on their websites. This process is fairly straightforward as you simply type in your coverage information into a form. After the form is submitted, the system makes automated requests for your driving and credit reports and returns a price quote based on these factors. Quoting online simplifies rate comparisons, but having to visit multiple sites and enter the same data into a form is monotonous and tiresome. But it’s very important to do this in order to find better prices.

The preferred way to compare auto insurance pricing makes use of a single form to obtain quotes from many companies. This type of form saves time, helps eliminate reptitive entry, and makes online price comparison much simpler. After sending your information, it gets priced with multiple companies and you can pick any one of the quotes that you receive. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. The entire process can be completed in less than 10 minutes and you will know how your current rates stack up.

If you want to compare rates now, click here to open in new window and submit the form. If you currently have coverage, we recommend you duplicate deductibles and limits identical to your current policy. Using the same limits helps guarantee you will have a price comparison for similar insurance coverage.

How to reduce 1996 Pontiac Sunfire insurance rates

Companies offering auto insurance don’t always publicize every available discount in an easy-to-find place, so we break down some of the more common and the more hidden discounts you could be receiving. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Resident Student – Any of your kids who are attending college and do not have a car may be able to be covered for less.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Driver Safety – Taking a defensive driving course could save 5% or more if your company offers it.
  • Sign Online – Certain companies will give a small break just for signing your application online.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% on Sunfire insurance depending on your company.

It’s important to understand that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

For a list of providers offering car insurance discounts, click this link.

Tailor your coverage to you

When it comes to choosing the best insurance coverage coverage, there really is not a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether you would benefit from professional advice.

  • Do I need replacement cost coverage on my 1996 Pontiac Sunfire?
  • Can I drive in Mexico and have coverage?
  • When would I need rental car insurance?
  • What is the ISO rating for a 1996 Pontiac Sunfire?
  • Do I need motorclub coverage?
  • What is the minimum liability in my state?
  • When does my teenage driver need to be added to my policy?
  • When should I not file a claim?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I really need UM/UIM coverage?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Detailed coverages of your insurance policy

Knowing the specifics of insurance can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverages found on most insurance policies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as surgery, funeral costs and EMT expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, damage from getting keyed and hitting a bird. The maximum amount a insurance company will pay at claim time 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

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like hitting a parking meter, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1996 Pontiac Sunfire.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Liability coverage

Liability insurance can cover damage that occurs to other’s property or people in an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things like bail bonds, medical expenses, attorney fees, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

One last thing

In this article, we covered quite a bit of information on how to shop for 1996 Pontiac Sunfire insurance online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding lower rates. You may be surprised to find that the best prices are with a company that doesn’t do a lot of advertising. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

As you shop your coverage around, you should never buy less coverage just to save a little money. In too many instances, someone sacrificed collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage at a price you can afford while still protecting your assets.

Additional detailed information can be found at these sites: