1997 Pontiac Sunfire Insurance Rates – 6 Ways to Save

Are you sick and tired of being strong-armed to buy car insurance? You are in the same boat as many other drivers.

Because there are so many choices of insurance companies, it is hard for the average consumer to pick the cheapest provider.

Auto Insurance Quote Comparison

There are several ways to compare rate quotes from local auto insurance companies. The quickest method to find the cheapest 1997 Pontiac Sunfire insurance rates consists of shopping online. It is quite easy and can be accomplished in several different ways.

One of the best ways consumers can make multiple comparisons is a comparison rater form click to view form in new window. This type of form prevents you from having to do separate quote forms for each company you want a rate for. One quote request will get you rate comparisons from multiple low-cost companies.

A more time consuming way to get comparison quotes consists of visiting the website for every company you want to comare to request a price quote. For example, we’ll assume you want to compare Geico, Progressive and Travelers. To find out each rate you need to take the time to go to each site to input your insurance information, which is why the first method is quicker.

To view a list of companies in your area, click here.

Whichever method you choose, compare exactly the same information for every quote you compare. If you are comparing unequal deductibles or liability limits it’s impossible to determine the best price for your Pontiac Sunfire. Having just a slight variation in coverage limits may result in large price differences. Just remember that comparing a large number of companies will enable you to find the best offered rates.

You probably qualify for some discounts

Auto insurance companies do not list every available discount in a way that’s easy to find, so we took the time to find some of the best known as well as the least known auto insurance savings.

  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less on Sunfire coverage than drivers with accident claims.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • 55 and Retired – If you’re over the age of 55, you may receive reduced rates on Sunfire coverage.
  • Clubs and Organizations – Belonging to a professional or civic organization is a good way to get lower rates when buying auto insurance on Sunfire coverage.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The good student discount can last until age 25.
  • No Accidents – Claim-free drivers can earn big discounts as compared to drivers who are more careless.

Consumers should know that most discount credits are not given the the whole policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, you’re out of luck.

A partial list of companies that may have some of the above discounts include:

Before buying, ask every prospective company what discounts are available to you. Savings may not apply everywhere.

There’s no such thing as the perfect policy

When it comes to buying the best insurance coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that can help discover if you would benefit from an agent’s advice.

  • When can I cancel my policy?
  • Can I still get insurance after a DUI?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my 1997 Pontiac Sunfire need full coverage?
  • Is pleasure use cheaper than using my 1997 Pontiac Sunfire to commute?
  • If I drive on a suspended license am I covered?
  • Is my cargo covered for damage or theft?
  • Does my medical payments coverage pay my health insurance deductible?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Parts of your insurance policy

Having a good grasp of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types offered by insurance companies.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like chiropractic care, funeral costs and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like scraping a guard rail, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, hitting a deer and damage from flooding. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability insurance – Liability insurance protects you from damages or injuries you inflict on people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things such as structural damage, attorney fees and loss of income. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM Coverage – Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Pontiac Sunfire.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Better coverage you can count on

We just covered a lot of information how to reduce 1997 Pontiac Sunfire insurance prices online. The key thing to remember is the more quotes you get, the higher the chance of saving money. Consumers could even find that the best prices are with a company that doesn’t do a lot of advertising. These companies can often provide lower rates in certain areas compared to the large companies like State Farm or Progressive.

As you shop your coverage around, it’s a bad idea to buy poor coverage just to save money. In many cases, an insured cut liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Additional information