2001 Pontiac Sunfire Insurance Rates – 9 Tips to Save

Are you a victim of an overpriced insurance coverage policy? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Popular companies such as Geico, Progressive and Allstate constantly blast consumers with fancy advertisements and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

Comparison of Car Insurance

Most companies such as State Farm and Allstate allow you to get prices for coverage directly from their websites. Getting online rates is quite easy as you just type in the amount of coverage you want into a form. After you complete the form, their rating system will obtain your driving and credit reports and returns a price quote. Online quotes helps simplify price comparisons, but the work required to visit different websites and enter the same data into a form is repetitive and time-consuming. But it is imperative to compare as many rates as possible if you want to find the lowest price.

The easy way to compare rates

The easiest way to compare car insurance pricing uses one simple form that gets price quotes from more than one company. It’s a real time-saver, helps eliminate reptitive entry, and makes price shopping online much easier. Once the form is submitted, it gets priced and you can select any one of the quotes that you receive.

If you find a better price you can click and sign and buy the new coverage. The entire process can be completed in less than 10 minutes and could lower your rates considerably.

If you want to find out what other companies charge, click here to open in a new tab and input your coverage information. To compare your current rates, we recommend you enter the coverages exactly as they are listed on your policy. Doing this guarantees you will have rate comparison quotes based on identical coverages.

Discounts mean cheaper Pontiac Sunfire insurance rates

The cost of insuring your cars can be expensive, but there are discounts available that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be asked for before being credited. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Homeowners Savings – Being a homeowner may earn you a small savings because owning a home requires personal responsibility.
  • Life Insurance Discount – Larger companies have a discount if you purchase life insurance.
  • Paperwork-free – A handful of insurance companies will give a small break for buying a policy and signing up digitally online.
  • Drive Less and Save – Fewer annual miles on your Pontiac could qualify for lower rates on the low mileage vehicles.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for better insurance rates for Sunfire insurance.
  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Organization Discounts – Participating in certain professional organizations is a good way to get lower rates on your policy for Sunfire insurance.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, insurance companies aren’t that generous. Any amount of discount will help reduce your premiums.

Car insurance companies that may offer these money-saving discounts include:

Before buying, ask all companies you are considering what discounts are available to you. Some discounts may not be available in every state.

Tailor your coverage to you

When buying coverage for your personal vehicles, there is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions can help discover if your situation would benefit from professional advice.

  • Should I buy additional glass protection?
  • Do I need replacement cost coverage on my 2001 Pontiac Sunfire?
  • Does insurance cover tools stolen from my truck?
  • What is the minimum liability in my state?
  • Do I need roadside assistance coverage?
  • Is my teen driver covered when they drive my company car?
  • Is my 2001 Pontiac Sunfire covered for smoke damage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered if I drive in a foreign country?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

What auto insurance coverages do you need?

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on most auto insurance policies.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, damage from getting keyed, hitting a deer, damage from a tornado or hurricane and hitting a bird. 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 not worth carrying full coverage.

UM/UIM Coverage

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

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Coverage for collisions

Collision coverage covers damage to your Sunfire resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a mailbox, colliding with a tree, crashing into a building, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills such as ambulance fees, doctor visits, rehabilitation expenses and chiropractic care. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability

This provides protection from damage that occurs to people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like repair bills for other people’s vehicles, attorney fees and medical services. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Saving money makes a lot of cents

While you’re price shopping online, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, an insured dropped liability coverage limits only to find out they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at the best price while still protecting your assets.

We just showed you many ideas to compare 2001 Pontiac Sunfire insurance prices online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the most savings is with a small mutual company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

Cheap insurance can be found both online and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

Much more information about insurance can be read at these links: