1991 Pontiac Sunbird Car Insurance Rates

Wish you could get out of overpriced car insurance? Believe me when I say you are not the only one feeling buyer’s remorse.

Because you have many companies and agents to choose from, it’s difficult to locate the most cost effective insurance company.

Verify you’re earning every discount

Companies offering auto insurance don’t always advertise every available discount in a way that’s easy to find, so the below list has some of the best known and the harder-to-find savings tricks you should be using when you buy insurance online.

• Distant College Student Discount – College-age children who attend college more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
• Use Seat Belts – Requiring all passengers to use a seat belt may be able to save a few bucks off the PIP or medical payment premium.
• Multiple Policy Discount – When you combine your homeowners and auto insurance and place coverage with the same company they may give you a discount of at least 10% off all policies.
• Good Student Discount – Maintaining excellent grades can get you a discount of up to 25%. Many companies even apply the discount to college students up until you turn 25.
• Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums for Sunbird insurance.
• More Vehicles More Savings – Buying a policy with more than one vehicle on one policy can get a discount on all vehicles.
• Early Signing – Some auto insurance companies reward drivers for buying a new policy prior to the expiration date on your current policy. It’s a savings of about 10%.

A little disclaimer on discounts, many deductions do not apply to your bottom line cost. Most cut specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

To see a list of companies that offer discounts, follow this link.

Quote car insurance online

There are a lot of ways you can shop for car insurance and some are more efficient than others. You can waste hours driving to local insurance agents in your area, or you could use the web to get prices fast.

Most car insurance companies belong to a marketplace where prospective buyers enter their policy data once, and each company provides a quote based on that information. This system prevents you from having to do quote forms to each company.

To enter your information into the quoting system, click here (opens in new window).

The only downside to pricing coverage this way is you can’t choose which companies you will receive quotes from. If you would rather choose individual companies to compare, we put together a list of car insurance companies in your area. Click to view list.

The approach you take is up to you, just make sure you use exactly the same information on every quote. If the quotes have mixed coverages it’s impossible to find the best deal for your Pontiac Sunbird. Slightly different limits can make a big difference in price. Just keep in mind that comparing more quotes gives you a better chance of getting the best rates.

When should I discuss my situation with an agent?

When it comes to choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight whether or not you might need professional guidance.

• Will my vehicle be repaired with OEM or aftermarket parts?
• Why am I required to buy liability insurance?
• How do I file an SR-22 for a DUI in my state?
• Is there coverage for injuries to my pets?
• Are all vehicle passengers covered by medical payments coverage?
• When should I buy a commercial auto policy?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Car insurance coverage information

Having a good grasp of a insurance policy helps when choosing the best coverages for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on most insurance policies.

Collision – Collision insurance will pay to fix damage to your Sunbird from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like scraping a guard rail, driving through your garage door, colliding with a tree, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverages – This coverage covers 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 pays for things like damage from a tornado or hurricane, vandalism, fire damage, a broken windshield and damage from getting keyed. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for expenses for things like pain medications, chiropractic care, prosthetic devices, EMT expenses and dental work. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Sunbird.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Liability coverages – This coverage will cover damage or injury you incur to other people or property. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as medical expenses, repair costs for stationary objects, attorney fees, court costs and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

One last thing

When getting insurance quotes online, it’s not a good idea to reduce coverage to reduce premium. In many cases, someone sacrificed liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to get the best coverage possible at an affordable rate.

Lower-priced insurance is definitely available online and from local insurance agents, so get free insurance quotes from both of them to get a complete price analysis. A few companies may not offer the ability to get quotes online and these small, regional companies only sell coverage through local independent agencies.

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