1999 Pontiac Sunfire Insurance Quotes

Want lower auto insurance rates for your Pontiac Sunfire? Trying to find low-cost insurance for your Pontiac Sunfire could be difficult, but you can learn the following methods and make it easy. There are more efficient ways to shop for auto insurance and you need to know the proper way to compare rates on a Pontiac and find the lowest possible price from both online companies and local agents.

If you have a current auto insurance policy or need a new policy, you can learn to reduce the price you pay and still get good coverage. Shopping for the cheapest auto insurance is simple if you know the tricks. Drivers just need to know the most efficient way to find the lowest price over the internet.

What impacts Pontiac Sunfire insurance prices?

It’s important that you understand the rating factors that go into determining the rates you pay for insurance. If you have some idea of what influences your rates, this helps enable you to make changes that may reward you with better insurance rates. Multiple criteria are taken into consideration when pricing auto insurance. Some are obvious like a motor vehicle report, but other criteria are not quite as obvious such as your marital status or how safe your car is.

• Men are more aggressive – The statistics show that women are safer drivers than men. The data does not necessarily mean that males are worse at driving than females. Both sexes are in accidents in similar percentages, but the males have costlier accidents. They also have more aggressive citations like DWI (DUI) or reckless driving. Young men ages 16 to 20 are several times more likely to be in an accident and therefore have the most expensive insurance rates.
• Prices and your address – Residing in less populated areas of the country can save you money if you are looking for the lowest rates. People who live in big cities tend to have more auto accidents and more severe claims. Fewer drivers corresponds to lower accident rates as well as less vandalism and auto theft.
• Tickets can be expensive – Just one ticket can increase the cost of insurance by twenty percent. Drivers who don’t get tickets pay lower auto insurance prices as compared to careless drivers. People who have serious citations such as DWI, reckless driving or hit and run convictions may face state-mandated requirements to file a SR-22 with their state motor vehicle department in order to continue driving.
• Pleasure use or commuting – The higher the miles on your Pontiac each year the more you’ll pay to insure your vehicle. Most companies calculate rates based on how the vehicle is used. Autos not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Ask your agent if your vehicle rating shows the correct driver usage, because it can save money. A policy that improperly rates your Sunfire can cost quite a bit.
• Incidental coverages can cost a lot – There are many optional add-on coverages that you can buy when buying insurance. Coverages for rental car reimbursement, death and dismemberment, and extra life insurance coverage may be wasting your money. These coverages may sound good when talking to your agent, but if they’re wasting money consider taking them off your policy.
• Having a spouse can save on insurance – Getting married helps lower the price compared to being single. Having a spouse translates into being less irresponsible and it’s statistically proven that being married results in fewer claims.

Get lower rates with discounts

Insuring your fleet can be pricey, but you may be missing some discounts that many people don’t even know exist. A few discounts will automatically apply when you complete an application, but once in a while a discount must be manually applied before they will apply.

• Driver Safety – Passing a safe driver class could cut 5% off your bill depending on where you live.
• 55 and Retired – Drivers over the age of 55 are able to get a small decrease in premiums for Sunfire insurance.
• Pay Early and Save – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
• New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less because newer vehicles are generally safer.
• Drive Less and Save – Driving less could earn slightly better prices than normal.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way.

A few of the larger companies and their possible discounts include:

• State Farm offers discounts including good student, student away at school, safe vehicle, Drive Safe & Save, accident-free, and multiple autos.
• American Family includes discounts for good student, air bags, bundled insurance, multi-vehicle, and mySafetyValet.
• AAA may have discounts that include anti-theft, good student, multi-policy, multi-car, and AAA membership discount.
• Geico discounts include air bags, defensive driver, driver training, anti-lock brakes, multi-vehicle, and military active duty.
• Mercury Insurance offers discounts for age of vehicle, location of vehicle, accident-free, professional/association, anti-theft, low natural disaster claims, and multi-car.
• Farmers Insurance has discounts for electronic funds transfer, early shopping, mature driver, alternative fuel, and bundle discounts.
• Progressive may offer discounts for online quote discount, multi-policy, good student, homeowner, continuous coverage, online signing, and multi-vehicle.

If you are trying to find inexpensive car insurance quotes, ask all companies you are considering which discounts can lower your rates. All car insurance discounts might not be offered in your area. If you would like to see a list of companies that offer some of these discounts, click here to view.

What is the best insurance coverage coverage?

When it comes to buying the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions might point out if your insurance needs will benefit from professional help.

• Am I better off with higher deductibles on my 1999 Pontiac Sunfire?
• Do I need medical payments coverage since I have good health insurance?
• Should I bundle my homeowners policy with my auto?
• Am I covered when driving in Canada or Mexico?
• What is PIP insurance?
• When should I remove comp and collision on my 1999 Pontiac Sunfire?
• Exactly who is provided coverage by my policy?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Should I sign the liability waiver when renting a car?
• What is no-fault insurance?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Information about specific coverages

Learning about specific coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Auto liability insurance

Liability insurance provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for 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. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like legal defense fees, attorney fees, court costs and loss of income. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Pontiac Sunfire.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive auto insurance

This coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like falling objects, hitting a deer, hail damage, fire damage and rock chips in glass. The most your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

This coverage covers damage to your Sunfire from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like crashing into a building, sustaining damage from a pot hole, backing into a parked car, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for bills like EMT expenses, chiropractic care, prosthetic devices, hospital visits and pain medications. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Make a quick buck

As you quote car insurance, do not reduce coverage to reduce premium. In many cases, drivers have reduced comprehensive coverage or liability limits only to find out they didn’t have enough coverage. Your goal is to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

We just showed you many tips how you can lower your 1999 Pontiac Sunfire insurance rates. The key thing to remember is the more times you quote, the better your comparison will be. You may be surprised to find that the most savings is with a lesser-known regional company.

Some insurance companies do not offer rate quotes online and these regional carriers only sell through independent agents. Budget-friendly auto insurance is attainable on the web as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from.

Additional information is located at these links:

• Choosing an Insurance Company (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)