Cheap 1998 Pontiac Sunfire Insurance Rates

Baffled by the wide range of car insurance providers that you can choose from? People have so many providers available that it can quickly become hard work to locate the lowest rates.

You need to get comparison quotes on a regular basis since insurance prices are constantly changing. If you had the best quotes for Sunfire insurance at your last renewal there is a good chance you can find better rates now. There is a lot of wrong information about car insurance online but we’re going to give you some of the best ways to find cheap car insurance.

This article will help you learn the most effective way to quote insurance and some tricks to saving. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Although vehicle owners benefit from understanding the way insurance companies compete online and use this information to your advantage.

Seven things that determine your insurance prices

Lots of things are part of the calculation when quoting car insurance. Some are pretty understandable like your driving record, but other factors are less obvious like where you live or your financial responsibility.Part of the auto insurance buying process is learning the factors that aid in calculating the rates you pay for auto insurance. If you know what determines base rates, this enables informed choices that could result in much lower annual insurance costs.

Shown below are most of the major factors companies use to determine your prices.

• Premiums are lower the older you get – Teenage drivers are proven to be careless and easily distracted with other occupants in the car and because of this, their auto insurance rates are much higher. Mature drivers are viewed as being more responsible, cost insurance companies less in claims , and usually have better credit.
• Females tend to be lower risk – The statistics show women are more cautious behind the wheel. However, this does not mean females are better at driving than males. Men and women cause at-fault accidents in similar numbers, but men cause more damage. Not only are claims higher, but men receive more major tickets like DUI and reckless driving.
• Poor credit can mean higher prices – An insured’s credit history is a big factor in calculating your premium rate. Consumers who have high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings. Therefore, if your credit can be improved, you could save money insuring your 1998 Pontiac Sunfire by improving your credit score.
• Liability protection limits should be high – Your policy’s liability coverage will provide protection if a court rules you are at fault for damages from an accident. It provides legal defense coverage which can cost a lot. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
• Job stress can make you pay more – Did you know your job can affect your rates? Jobs such as lawyers, social workers and medical professionals generally pay higher premiums than the average policyholder attributed to job stress and extremely grueling work hours. Other professions such as scientists, athletes and homemakers get better rates for Sunfire insurance.
• Safer occupants lowers auto insurance rates – Vehicles that have high safety ratings tend to have better insurance rates. Safe vehicles help reduce the chance of injuries in an accident and any reduction in injury severity means less money paid by your insurance company and lower rates for you.
• Avoid coverage lapses – Allowing your auto insurance policy to lapse is a quick way to bump up your auto insurance costs. Not only will you pay higher rates, getting caught without coverage may earn you a license revocation or jail time. You may then be required to file a SR-22 with your state department of motor vehicles.

Buy insurance online

All the larger insurance companies allow you to get prices for coverage from their websites. Getting quotes is quite simple as you simply enter the coverage amounts you desire as requested by the quote form. Upon sending the form, their rating system will order your credit score and driving record and returns a price quote.

Online price estimates simplifies rate comparisons, but the time it takes to visit many different websites and fill out multiple forms is repetitive and time-consuming. But it’s also necessary to do this if you want to get a better rate.

A quicker way to locate the lowest prices uses just one form to obtain quotes from a bunch of companies at once. It’s a real time-saver, eliminates form submissions, and makes online quotes much more enjoyable and efficient. Immediately after submitting the form, your coverage is rated and you can select any of the price quotes you receive.

If a lower price is quoted, you can click and sign and buy the new coverage. It can be completed in less than 10 minutes and you’ll know if lower rates are available.

To find out what other companies charge, simply click here to open in new window and submit your coverage information. To compare your current rates, we recommend you copy exactly as they are listed on your policy. Using the same limits helps guarantee you will receive a price comparison for the exact same coverage.

Auto insurance discounts are available to cut your rates

Some companies don’t always list every discount very clearly, so the list below gives a summary of both well-publicized as well as some of the hidden discounts that may be available.

• Anti-lock Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions and will save you 10% or more.
• Active Service Discounts – Being deployed in the military could qualify you for better rates.
• Student in College – Older children who live away from home at college and do not take a car to college may be insured at a cheaper rate.
• Defensive Driver – Successfully completing a course that instructs on driving safety may get you a small discount and easily pay for the cost of the class.
• Multiple Policy Discount – When you combine your auto and homeowners insurance and insure them both with the same insurance company they may give you a discount of up to 20% off your total premium.
• Pay Upfront and Save – If you pay your entire premium ahead of time as opposed to paying monthly you could save 5% or more.
• Save with a New Car – Buying coverage on a new vehicle may earn a small discount compared to insuring an older model.
• E-sign – Certain insurance companies will discount your bill up to fifty bucks shop insurance on the web.

As a sidenote, some of the credits will not apply to the entire policy premium. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, nobody gets a free ride.

A list of auto insurance companies and some of the premium reductions they offer can be found below.

• State Farm offers discounts including accident-free, safe vehicle, passive restraint, Drive Safe & Save, Steer Clear safe driver discount, driver’s education, and multiple autos.
• Esurance has discounts for DriveSense, anti-theft, safety device, claim free, paid-in-full, good driver, and good student.
• Progressive may include discounts for multi-policy, multi-vehicle, homeowner, good student, continuous coverage, online quote discount, and online signing.
• Liberty Mutual offers discounts for exclusive group savings, preferred payment discount, multi-policy, new graduate, safety features, and newly retired.
• Auto-Owners Insurance includes discounts for mature driver, company car, group or association, air bags, student away at school, multi-policy, and paid in full.
• Geico policyholders can earn discounts including federal employee, defensive driver, good student, emergency military deployment, daytime running lights, air bags, and membership and employees.

When getting a coverage quote, ask every insurance company to apply every possible discount. Discounts may not be available in your state. If you would like to see a list of insurers that offer discounts, follow this link.

Everyone needs different auto insurance coverages

When choosing coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if your situation could use an agent’s help.

• What are the best liability limits?
• Does coverage extend to a rental car in a foreign country?
• What is medical payments coverage?
• Do I need special endorsements for business use of my vehicle?
• Do I pay less for low miles?
• Is business equipment covered while in my vehicle?
• Do I need replacement cost coverage on my 1998 Pontiac Sunfire?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

What insurance coverages do you need?

Knowing the specifics of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive coverages

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a broken windshield, theft, vandalism, hitting a bird and hitting a deer. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay 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, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Coverage for liability

Liability insurance protects you from injuries or damage you cause to a person or their property that is your fault. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims such as court costs, repair bills for other people’s vehicles, repair costs for stationary objects, bail bonds and emergency aid. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for chiropractic care, dental work, rehabilitation expenses and nursing services. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage covers damage to your Sunfire caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as sideswiping another vehicle, colliding with a tree and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Compare but don’t skimp

Insureds leave their current company for a variety of reasons including policy non-renewal, high prices, delays in paying claims and poor customer service. It doesn’t matter why you want to switch choosing a new insurance company is not as difficult as it may seem.

As you quote insurance, it’s not a good idea to buy less coverage just to save a little money. In many instances, an accident victim reduced liability limits or collision coverage only to regret they didn’t have enough coverage. The ultimate goal is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

We just presented many tips how you can shop for 1998 Pontiac Sunfire insurance online. It’s most important to understand that the more you quote insurance, the better chance you’ll have of finding low cost insurance. You may even find the most savings is with some of the smallest insurance companies.

To learn more, feel free to browse the resources below:

• Safe Vehicles for Teens (iihs.org)
• Tools for Teen Driving Safety (State Farm)
• Teen Driver Statistics (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)