1999 Pontiac Sunfire Insurance Rates – 8 Tips for Cheaper Quotes

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out.

Online insurance companies like State Farm, Geico and Farmers Insurance constantly bombard you with TV and radio ads and consumers find it hard to see past the corporate glitz and find the best price available.

Consumers should take time to price shop coverage at least once a year because prices tend to go up over time. If you had the best rates for Sunfire coverage a year ago you will most likely find a better rate today. There is a lot of wrong information about car insurance online, so with this article, you’re going to get some great ways to quit paying high car insurance rates.

If you have car insurance now, you will most likely be able to lower your premiums substantially using these tips. Finding the best rates is quite easy. Although vehicle owners need to learn how companies sell online and apply this information to your search.

Fast and Easy Car Insurance Quotes

Performing a rate comparison can take hours if you don’t understand the most efficient way. You could waste a few hours talking about coverages with insurance companies in your area, or you can utilize online quotes to maximize your effort.

Many of the larger companies belong to a marketplace where insurance shoppers send in one quote, and each participating company returns a rated price determined by their information. This eliminates the need for quotation requests for each company you want a rate for. To compare 1999 Pontiac Sunfire rates using this form now click here to start a free quote.

The single downside to pricing coverage this way is you don’t know exactly which insurance companies you want to price. If you wish to select from a list of companies to compare rates, we have a page of car insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make absolute certain that you use the exact same quote information for every quote you compare. If the quotes have unequal deductibles or liability limits it will be next to impossible to determine the best price for your Pontiac Sunfire. Having just a slight variation in limits can make a big difference in price. And when quoting car insurance, remember that more quotes helps locate a lower rate.

Save big with these eight discounts

Companies that sell car insurance don’t always publicize every discount very clearly, so here is a list both well-publicized and also the lesser-known savings tricks you should be using.

  • Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for Sunfire coverage than drivers with accident claims.
  • Paperless Signup – A handful of insurance companies give back up to $50 simply for signing on their website.
  • Government Employees – Active or retired federal employment may qualify you for a discount for Sunfire coverage with select insurance companies.
  • Multi-car Discount – Insuring more than one vehicle with the same company may reduce the rate for each vehicle.
  • Good Students Pay Less – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Homeowners Discount – Owning a home may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you may earn 10% to 20% off each policy.

Keep in mind that some credits don’t apply the the whole policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, companies don’t profit that way.

To see a list of insurers with the best insurance coverage discounts, follow this link.

But I don’t know anything about car insurance

When it comes to buying coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if you might need professional guidance.

  • Are split liability limits better than a combined single limit?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need to file an SR-22 for a DUI in my state?
  • What if I don’t agree with a claim settlement offer?
  • How high should deductibles be on a 1999 Pontiac Sunfire?
  • Are my friends covered when driving my car?
  • Do I get a pro-rated refund if I cancel my policy early?
  • How does medical payments coverage work?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I required to buy liability insurance?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverage considerations

Understanding the coverages of your policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages offered by auto insurance companies.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Pontiac Sunfire.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like rock chips in glass, hail damage and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

This coverage pays for damage to your Sunfire resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like rolling your car, scraping a guard rail, driving through your garage door and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Coverage for liability

This will cover damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like attorney fees, emergency aid and medical services. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses like nursing services, X-ray expenses, surgery and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

In conclusion

When buying insurance coverage, make sure you don’t reduce needed coverages to save money. In many instances, consumers will sacrifice collision coverage only to discover later that the savings was not a smart move. The aim is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

You just read a lot of ways to compare 1999 Pontiac Sunfire insurance prices online. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from some of the smallest insurance companies. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as Geico and State Farm.

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