View 2002 Pontiac Sunfire Insurance Quotes

Scraping up a payment for overpriced Pontiac Sunfire insurance can overdraw your checking account and force you to prioritize other expenses. Comparison shopping is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. Numerous car insurance companies battle for your business, so it’s not easy to compare every company to get the lowest price

It’s smart to price shop coverage before your policy renews since insurance rates change frequently. Just because you found the best rates on Sunfire insurance a few years ago other companies may now be cheaper. So forget anything you know (or think you know) about insurance because you’re about to learn how to use online quotes to remove unneeded coverages and save money.

If you have a current car insurance policy or are shopping for new coverage, you can use this information to reduce the price you pay and possibly find even better coverage. Finding the best rates is easy if you know what you’re doing. Drivers just need to understand the most efficient way to get comparison rates over the internet.

The fastest way that we advise to compare rates utilizes the fact almost all companies participate in online systems to provide you with a free rate quote. The only thing you need to do is give them some information like how much coverage you want, whether or not you need a SR-22, if your license is active, and marital status. Your details is submitted instantly to multiple companies and you will get price comparisons immediately.

Save big with these discounts

Auto insurance companies do not list all available discounts very well, so here is a list both well-publicized and the more hidden savings tricks you should be using. If you don’t get every credit you qualify for, you are throwing money away.

  • Drivers Education – Require your teen driver to successfully complete driver’s ed class in high school.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • E-sign – Some insurance companies give back up to $50 just for signing your application digitally online.
  • Senior Discount – Older drivers can possibly qualify for better insurance coverage rates on Sunfire insurance.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Safety Course Discount – Completing a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.

Keep in mind that many deductions do not apply to the overall cost of the policy. Most only reduce individual premiums such as comp or med pay. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way.

Car insurance companies that possibly offer these discounts include:

Before buying, ask each insurance company what discounts are available to you. Discounts may not be available everywhere.

Pontiac Sunfire insurance rates consist of many parts

It’s important that you understand the different types of things that help determine your insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that may reward you with better insurance rates.

The following are some of the factors used by your company to calculate rates.

  • More people means more accidents – Living in small towns and rural areas is a positive aspect when insuring your vehicles. Drivers who live in large cities regularly have more traffic problems and a longer drive to work. Lower population means fewer accidents.
  • Are you male or female? – The statistics show women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. They both have accidents in similar numbers, but the males have costlier accidents. They also receive more costly citations such as reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore are the most expensive to insure.
  • Your job and insurance rates – Occupations such as doctors, business owners and dentists tend to have the highest average rates in part from high stress and long work hours. Other occupations such as farmers, historians and retirees receive lower rates on Sunfire insurance.
  • Marriage brings a discount – Having a wife or husband helps lower the price when buying insurance. Marriage is viewed as being more mature it has been statistically shown that being married results in fewer claims.
  • One company can mean more discounts – Many companies give discounts to policyholders who carry more than one policy such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. If you currently are using one company, it’s in your best interest to compare other company rates to ensure the best deal. You may still find a better deal by buying insurance from a different company.
  • Extra add-on coverages are wasting money – There are many extra coverages that you can get tricked into buying on your insurance policy. Coverages for roadside assistance, accidental death and term life insurance may be wasting your money. These may sound like a good investment at first, but if they’re wasting money eliminate them to save money.

But I don’t know anything about car insurance

When it comes to buying proper insurance coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions can help discover if you will benefit from professional help.

  • Can my babysitter drive my car?
  • Is my Pontiac Sunfire covered if I use it for business?
  • When should I not file a claim?
  • What is PIP insurance?
  • Do I have coverage if my license is suspended?
  • Is my teen driver covered when they drive my company car?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Car insurance coverage information

Knowing the specifics of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverages offered by car insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, damage from flooding and hitting a deer. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability insurance

Liability coverage can cover injuries or damage you cause to people or other property. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, attorney fees, pain and suffering, medical expenses and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like rehabilitation expenses, prosthetic devices, doctor visits, pain medications and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Pontiac Sunfire.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

More effort can pay off

We just covered a lot of techniques to shop for 2002 Pontiac Sunfire insurance online. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may even find the most savings is with some of the smallest insurance companies. They may cover specific market segments cheaper than the large multi-state companies such as State Farm, GEICO and Nationwide.

As you shop your coverage around, you should never buy poor coverage just to save money. There have been many situations where drivers have reduced collision coverage and learned later that the savings was not a smart move. The ultimate goal is to get the best coverage possible at the best price, not the least amount of coverage.

Cost effective insurance is attainable on the web and with local insurance agents, so compare prices from both in order to have the best chance of saving money. Some auto insurance companies do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

Additional auto insurance information can be found at these links: