2000 Pontiac Sunfire Insurance Rates

Nobody I know cherishes buying auto insurance, especially when they are paying too much.

Insurance companies such as State Farm and Geico constantly bombard you with advertising and it is difficult to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

These discounts can slash insurance coverage rates

Car insurance can cost a lot, but you may find discounts to cut the cost considerably. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be manually applied prior to receiving the credit.

  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a set time period.
  • Sign Early and Save – Some companies give discounts for switching to them before your current policy expires. It can save you around 10%.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you will save 10% to 20% off each policy.
  • E-sign – A few companies will give a small break simply for signing over the internet.

It’s important to understand that some credits don’t apply to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, you’re out of luck. Any amount of discount will cut your premiums.

Insurance companies that may offer these money-saving discounts are:

Double check with all companies you are considering what discounts are available to you. Savings may not be available in your state.

Automobile Insurance Quotes

There are several ways to compare Pontiac Sunfire insurance coverage quotes, and some are more efficient than others. You can spend countless hours talking to local insurance agents in your area, or you could use the web to achieve your goal.

The majority of car insurance companies take part in a program where prospective buyers submit one quote, and each company then returns a price quote determined by their information. This eliminates the need for quote requests for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The only downside to pricing coverage this way is that consumers can’t choose the insurers to get pricing from. So if you prefer to choose individual companies to request quotes from, we have a listing of companies who write insurance coverage in your area. Click here to view list.

Whichever method you choose, ensure you are comparing identical information for every company. If each company quotes unequal deductibles or liability limits then you won’t be able to make a fair comparison for your Pontiac Sunfire. Just a small difference in insurance coverages could mean much higher rates. It’s important to know that getting more free quotes will increase your chances of finding lower pricing.

Why your Pontiac Sunfire might be costing you more

Smart consumers have a good feel for the rating factors that play a part in calculating your insurance coverage rates. Knowing what impacts premium levels allows you to make educated decisions that can help you get better insurance coverage rates.

Shown below are some of the items companies use to determine your rates.

  • Always keep insurance in force – Allowing your coverage to lapse is a sure-fire way to trigger a rate increase. And not only will your rates increase, but being ticketed for driving with no insurance may earn you a license revocation or jail time.
  • What are your deductibles? – Physical damage deductibles represent how much money you are required to spend out-of-pocket before a claim is paid by your company. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims are colliding with a building, vandalism, and windstorm damage. The more you’re willing to pay, the bigger discount you will receive on Sunfire insurance.
  • Do you have a high stress job? – Jobs such as real estate brokers, social workers and financial analysts tend to have higher average rates attributed to stressful work requirements and lots of time spent at work. Conversely, jobs such as pilots, engineers and the unemployed receive lower rates on Sunfire insurance.
  • Safer cars cost less to insure – Safer cars can get you lower premiums. These vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company and thus lower rates. If the Pontiac Sunfire is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.

When might I need the advice of an agent?

When it comes to buying the right insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might help in determining if your insurance needs may require specific advice.

  • Am I covered if I break a side mirror?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I covered when driving a rental car?
  • What is PIP insurance?
  • Should I bundle my homeowners policy with my auto?
  • How high should deductibles be on a 2000 Pontiac Sunfire?
  • Are my friends covered when driving my car?
  • Will I lose any money if I cancel my policy before it expires?
  • Does insurance cover tools stolen from my truck?

If you’re not sure about those questions but a few of them apply, you might consider talking to 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

Don’t believe everything you hear

Insurance providers like State Farm, Allstate and Geico consistently run television and radio advertisements. They all make the same claim about savings if you change your coverage to them. How can each company claim to save you money?

All companies have a certain “appetite” for the driver that is profitable for them. A good example of a driver they prefer could be between 25 and 40, has no prior claims, and chooses high deductibles. A propective insured who matches those parameters gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who don’t meet these standards will be charged a higher premium which leads to business going elsewhere. The ads state “customers who switch” not “everybody who quotes” save money. This is how companies can truthfully advertise the savings.

That is why you should get as many quotes as possible. It’s impossible to know which company will have the lowest Pontiac Sunfire insurance rates.

Coverage specifics

Understanding the coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average insurance policy.

Liability insurance – This can cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as repair bills for other people’s vehicles, legal defense fees, attorney fees, medical expenses and pain and suffering. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like nursing services, doctor visits and dental work. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Pontiac Sunfire.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Comprehensive coverage – This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a broken windshield, vandalism, hail damage and theft. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverages – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a parking meter, sideswiping another vehicle, rolling your car, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Have money to burn

The cheapest 2000 Pontiac Sunfire insurance is possible from both online companies as well as from independent agents, and you should compare price quotes from both to have the best selection. Some insurance companies don’t offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

We just showed you many ideas to get a better price on insurance. It’s most important to understand that the more times you quote, the better likelihood of reducing your rate. Consumers could even find that the lowest premiums are with the smaller companies. Regional companies often have lower prices on specific markets than the large multi-state companies such as State Farm, Geico and Nationwide.

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