How Much Does 1996 Pontiac Sunfire Insurance Cost?

Looking for cheaper auto insurance rates for your Pontiac Sunfire? No car owner likes buying auto insurance, in particular when they are paying too much. There are many insurers to insure vehicles with, and though it is a good thing to be able to choose, having more car insurance companies makes it harder to find the best rates for your vehicles.

How to get free auto insurance quotes online

There are multiple methods you can shop for auto insurance but there is one way that is less time-consuming than others. You could spend your day talking about coverages with agents in your area, or you could use online quotes to quickly compare rates.

Many companies belong to a marketplace that enables customers to submit their information once, and each participating company returns a competitive quote. This prevents consumers from doing repetitive form submissions to each individual auto insurance company.

To compare rates using this form now click here to open in new window.

The one disadvantage to doing it this way is buyers cannot specifically choose the insurers to receive prices from. So if you prefer to choose individual companies to receive pricing from, we have a page of the cheapest auto insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but make sure you are using apples-to-apples coverage data on every quote. If you have higher or lower deductibles it’s impossible to determine which rate is truly the best.

Buyer beware of insurance advertising tricks

Drivers can’t escape the ads that claim the cheapest premium rates by Progressive, Allstate and Geico. They all seem to say the same thing of big savings if you get a free car insurance quote and switch your insurance policy to them.

How do they all sell you cheaper insurance coverage? This is the way they can do it.

All the different companies quote their cheapest rates for a prospective insured that is profitable for them. For instance, a profitable risk profile may be between the ages of 30 and 50, owns a home, and has a short commute. Any driver that fits those parameters will most likely get cheap rates and will save a lot if they switch.

Consumers who may not quite match this stringent profile must pay more expensive rates and this can result in the prospect going elsewhere. The ads state “people who switch” but not “all drivers who get quotes” save money. That’s the way companies can make the claims of big savings. Each company has different criteria, so you absolutely need to compare rate quotes every year. Because you never know which company will have the best car insurance rates.

These discounts can lower car insurance rates

Auto insurance companies do not list all disounts very well, so the list below details a few of the more well known and also the lesser-known credits that may apply to you.

• Discounts for Federal Employees – Active or retired federal employment could provide a small rate reduction on Sunfire insurance with some car insurance companies.
• Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts as much as 30%.
• Sign Early and Save – A few larger companies give discounts for switching policies prior to your current policy expiring. It can save you around 10%.
• Paperwork-free – A few car insurance companies give back up to $50 for buying your policy on their website.
• Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted car insurance rate on car insurance if you buy a life insurance policy as well.
• Use Seat Belts – Drivers who require all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Defensive Driver Discount – Taking a course that instructs on driving safety could cut 5% off your bill depending on where you live.

A little disclaimer on discounts, most credits do not apply the the whole policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. Despite the appearance that you can get free auto insurance, it just doesn’t work that way.

Car insurance companies who might offer many of the previously listed discounts possibly include:

• Geico
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

It’s a good idea to ask each insurance company to apply every possible discount. Some discounts might not be offered in your area. To see a list of companies with significant discounts, click here.

When do I need an agent’s advice?

When buying the best insurance coverage coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

• Am I covered if I crash into my own garage door?
• What exactly is covered by my policy?
• Am I covered when delivering products for my home-based business?
• Am I covered if hit by an uninsured driver?
• What is UM/UIM insurance?
• Is upholstery damage covered by car insurance?
• Is my custom paint covered by insurance?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Does car insurance cover theft of personal property?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Insurance coverages explained

Understanding the coverages of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are the usual coverages offered by insurance companies.

Comprehensive insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, hitting a deer and hitting a bird. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage

Collision coverage covers damage to your Sunfire resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a parking meter, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability car insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people. It protects YOU from legal claims by others. 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. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like funeral expenses, repair costs for stationary objects and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for expenses for things like ambulance fees, hospital visits, surgery, chiropractic care and dental work. They are often utilized in addition to your health insurance program or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Pontiac Sunfire.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage on a shoestring budget

When shopping online for car insurance, do not sacrifice coverage to reduce premiums. In too many instances, someone dropped comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. Your aim should be to find the BEST coverage for the lowest price.

There are still a few companies who do not provide price quotes online smaller providers provide coverage only through independent agencies. Cheaper 1996 Pontiac Sunfire insurance is possible on the web in addition to local insurance agencies, and you should be comparing both to get a complete price analysis.

Additional information is available below:

• Avoiding Deer Collisions (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)
• Teen Driving and Texting (State Farm)
• Five Mistakes to Avoid (Insurance Information Insitute)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)