Lower Your 1994 Pontiac Sunbird Car Insurance Quotes

Searching for better car insurance rates for your Pontiac Sunbird? Being forced to pay for high-priced car insurance premiums can consume your bank account and force you to make sacrifices. Doing a rate comparison is free and is an excellent way to lower your monthly bill.

Big companies like Geico and Progressive all claim big savings with advertising and consumers find it hard to not get sucked in by the cute commercials and do the work needed to find the best deal.

It’s a good idea to compare rates occasionally since prices change regularly. Just because you found the best deal on Sunbird coverage two years ago you may be paying too much now. You’ll find a ton of advice on car insurance online, but you can learn the easiest ways to lower your car insurance bill.

If you have insurance now or are looking for a new policy, you can use these techniques to find the best rates while maintaining coverages. Finding the best rates is easy if you know what you’re doing. Drivers just need to learn the most efficient way to compare company rates online.

Cheapest car insurance quotes

There are multiple methods to shop for car insurance, but there is one way that is less time-consuming than others. You could spend your day discussing policy coverages with local insurance agents in your area, or you can stay home and use online quotes to maximize your effort.

Many companies take part in a program where prospective buyers only type in their quote data once, and at least one company then gives them pricing determined by their information. This saves time by eliminating quote forms for each company you want a rate for.

To access this free quoting program, click here (opens in new window).

The single downside to getting quotes like this is you can’t choose the providers you will receive quotes from. If you prefer to choose individual companies to compare rates, we have a listing of low cost car insurance companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but make sure you are using apples-to-apples quote data on every quote. If you enter higher or lower deductibles it will be nearly impossible to determine the lowest rate for your Pontiac Sunbird.

Get affordable auto insurance with discounts

Car insurance companies do not list every discount they offer in a way that’s easy to find, so the list below gives a summary of a few of the more well known and also the more inconspicuous discounts that you may qualify for.

  • Employee of Federal Government – Active or former government employment could qualify for a slight premium decrease on Sunbird coverage but check with your company.
  • Multiple Cars – Insuring primary and secondary vehicles on one policy qualifies for this discount.
  • Savings for New Vehicles – Buying a new car model can save you some money since newer models are generally safer.
  • Bundled Policy Discount – If you insure your home and vehicles with the same company you will save 10% to 20% off each policy.
  • Passive Restraints and Air Bags – Factory options such as air bags or automatic seat belts can get savings of 25 to 30%.
  • Driver Education Discount – Cut your cost by having your teen driver take driver’s ed class in high school.
  • College Student – Any of your kids who attend college more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.
  • Driving Data Discount – Drivers who elect to allow their insurance company to analyze vehicle usage by using a telematics device such as State Farm’s In-Drive could save a few bucks if their driving habits are good.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. Most companies allow this discount until age 25.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase some life insurance too.

Drivers should understand that most discount credits are not given the the whole policy. Some only reduce the cost of specific coverages such as comp or med pay. So when it seems like you could get a free auto insurance policy, nobody gets a free ride. But any discount will lower your overall premium however.

The best auto insurance companies and some of the premium reductions they offer are outlined below.

  • Mercury Insurance may offer discounts for ease of repair, anti-theft, multi-policy, good student, type of vehicle, and multi-car.
  • Farmers Insurance includes discounts for distant student, multi-car, pay in full, teen driver, bundle discounts, and switch companies.
  • Farm Bureau may have discounts that include driver training, youthful driver, 55 and retired, safe driver, and good student.
  • State Farm has savings for Drive Safe & Save, anti-theft, good student, multiple policy, student away at school, good driver, and Steer Clear safe driver discount.
  • Allstate offers premium reductions for premier discount, defensive driver, premier plus, passive restraint, FullPay discount, and multi-policy.
  • Geico offers discounts for multi-vehicle, five-year accident-free, good student, defensive driver, and anti-theft.

When getting free insurance coverage quotes, it’s a good idea to every prospective company which credits you are entitled to. Discounts might not apply in your state. To see a list of auto insurance companies that offer discounts, click here.

Eight factors that impact insurance prices

Multiple criteria are used when premium rates are determined. A few of the factors are predictable like your driving record, although others are not quite as obvious like your vehicle usage or your vehicle rating.

  • Tickets hurt – Careful drivers have lower premiums than people who have multiple driving citations. Just one driving citation can boost insurance rates by as much as thirty percent. Drivers who have multiple violations like hit and run, DWI or reckless driving convictions are required to maintain a SR-22 with their state’s licensing department in order to prevent their license from being revoked.
  • Teen driver insurance premiums – Older people are more responsible, are lower risk to insure and are safer drivers.Beginning drivers are statistically shown to be easily distracted when behind the wheel so auto insurance rates are higher.
  • Policy lapses lead to higher auto insurance rates – Driving with no insurance can get your license suspended and any future policy may cost more because you let your insurance coverage expire. In addition to paying higher premiums, failure to provide proof of insurance can result in fines or a revoked license. You could then be forced to file a SR-22 with your state motor vehicle department.
  • Single vs. married – Getting married may earn you lower rates on your auto insurance bill. Having a significant other is viewed as being more mature and statistics show being married results in fewer claims.
  • Put fewer miles on your vehicle – Driving a lot of miles annually the more you’ll pay to insure your vehicle. Almost all companies calculate prices based upon how the vehicle is primarily used. Vehicles left parked in the garage receive lower rates than those that get driven frequently. It’s always a good idea to double check that your declarations sheet correctly shows how each vehicle is driven, because it can save money. Having the wrong rating on your Sunbird is just wasting money.
  • How credit history affects auto insurance prices – A driver’s credit rating can be an important factor in determining premium rates. If your credit rating is lower than you’d like, you may save money insuring your 1994 Pontiac Sunbird by repairing your credit. People with very good credit scores tend to be better risks to insure as compared to drivers with lower ratings.
  • Don’t skimp on liability insurance – A critical coverage on your policy, liability insurance will protect you in the event that you are responsible for physical damage or personal injury to other. It provides legal defense coverage up to the limits shown on your policy. Liability insurance is pretty cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
  • Save money by raising coverage deductibles – Insurance for physical damage, also called ‘full coverage’, helps pay for damage to your vehicle. Examples of some claims that would be covered would be a broken windshield, damage caused by hail, and damage caused by flying debris. The deductibles you choose define the amount you are willing to pay if a covered claim is submitted. The more money you pay before a claim is paid (deductible), the less money you will pay for auto insurance on Sunbird coverage.

Tailor your insurance coverage to you

When buying the best insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different so this has to be addressed. These are some specific questions can help discover if your insurance needs would benefit from an agent’s advice.

  • How high should deductibles be on a 1994 Pontiac Sunbird?
  • What is high-risk coverage and where do I buy it?
  • Does coverage extend to Mexico or Canada?
  • Why do I need rental car insurance?
  • Should I rate my 1994 Pontiac Sunbird as pleasure use or commute?
  • What are the financial responsibility laws in my state?
  • Do I need to file an SR-22 for a DUI in my state?
  • How can I get high-risk coverage after a DUI?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Auto insurance coverage considerations

Understanding the coverages of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages found on most auto insurance policies.

Collision coverages – Collision insurance covers damage to your Sunbird caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as sustaining damage from a pot hole, crashing into a ditch, scraping a guard rail, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

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

Comprehensive insurance covers things like hail damage, damage from getting keyed, fire damage, hitting a deer and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like nursing services, X-ray expenses and dental work. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Pontiac Sunbird.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Liability coverage – Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

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. Your policy might show limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things like pain and suffering, repair bills for other people’s vehicles, medical services, medical expenses and attorney fees. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Buy online or local, you save

Some insurance coverage companies do not offer the ability to get quotes online and these regional insurance providers work with independent agents. Lower-priced 1994 Pontiac Sunbird insurance is definitely available from both online companies and from local agencies, and you should compare rates from both so you have a total pricing picture.

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced liability limits or collision coverage to discover at claim time that the savings was not a smart move. Your aim should be to get the best coverage possible at a price you can afford and still be able to protect your assets.

More learning opportunities

Comments About 1994 Pontiac Sunbird Insurance

  1. Lianne Lindsey

    Liked the article. I’m just west of Saint Paul, Minnesota. Compared quite a few companies. Saved roughly $30 a month. GEICO was the cheapest for me. I don’t put full coverage on it.

  2. Hildegard Emerson

    Hope my rates come down. I’m in the suburbs of New York City, New York. Got quotes from GEICO, AAA, Esurance, and Liberty Mutual for my Sunbird and I’m now saving $19 a month. I recommend comparing lots of rates.

  3. Sharell Johns

    From northwest of Little Rock, Arkansas. I don’t recall every quote but I ended up saving about $10 each month. You can get a rate quote online.

  4. Pauline Preston

    I can’t pay high rates. I’m in Billings, MT. Compared rates from a lot of places. Saved darn near $30 a month. Progressive was the most affordable for me. Left Eastwood to switch. My new agent seems to be really good. I’m thinking about dropping full coverage though.

  5. Ines Owen

    I found affordable 1994 Pontiac Sunbird insurance from Progressive in New Haven, CT.

  6. Elouise Deleon

    I live in Nampa, ID and for me GEICO had the lowest quote. :P

  7. Pennie Barber

    Cheap car insurance? What’s that? I live in a small town just outside of San Antonio, TX. Checked online prices for a 1994 Pontiac Sunbird. Ended up at about $110 savings annually. Went with 21st Century.

  8. Quyen Bullock

    Do I have to have car insurance in New York?

  9. Elmira Rich

    Thanks for putting this site together. Live in Buffalo, New York. I quoted with Amica, Sentry, and a few others for my Pontiac and saved just over $110 a year. LOL

  10. Ingeborg Giles

    Does 21st Century have good customer service?

  11. Ivan Pennington

    I found pretty cheap rate quotes for a 1994 Pontiac Sunbird in Norman, OK. Ended up at darn near $80 every six months with AIG Insurance. Left Hanover to switch. Got better coverage too. Bought it from an online quote.

  12. Julianna Holden

    IMHO Providence, RI seems to have good rates from Progressive.

  13. Erwin Cortez

    I can’t pay high rates. I live just outside Cleveland, OH. Compared rates from a lot of places. Saved darn near $30 a month. Allstate was the most affordable for me. A clean driving record helps.

  14. Porsha Wilkinson

    I compared a lot of rate quotes for a 1994 Pontiac Sunbird in Saint Louis, Missouri. Ended up at darn near $110 every six months with AIG Insurance. I get multi-vehicle and multi-policy discounts. When should I drop full coverage?

  15. Davina Young

    Hope my car insurance gets cheaper. Located in South Burlington, VT. I quoted with Progressive, Amica, and Farmers for my Pontiac and saved $100 a year. I have a couple other vehicles on the policy. I dropped full coverage awhile back.

  16. Kenyatta Morton

    Does Arkansas require a SR-22 after a DUI?

  17. Alline Oneill

    I found pretty cheap rate quotes for a 1994 Pontiac Sunbird in Little Rock, AR. Ended up at about $120 every six months with Amica. Insured with Nationwide before. I think I’ll get rid of full coverage next time.