How Much Does 2000 Pontiac Sunfire Car Insurance Cost?

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, nobody gets a free ride.

A few of the larger companies and some of the discounts are:

• Geico may have discounts that include five-year accident-free, seat belt use, anti-theft, anti-lock brakes, and emergency military deployment.
• SAFECO has discounts for bundle discounts, anti-lock brakes, multi-car, drive less, homeowner, accident prevention training, and teen safe driver.
• State Farm offers premium reductions for defensive driving training, good student, accident-free, good driver, driver’s education, and safe vehicle.
• MetLife may offer discounts for good driver, accident-free, multi-policy, good student, claim-free, and defensive driver.
• 21st Century offers discounts for homeowners, theft prevention, automatic seat belts, student driver, anti-lock brakes, good student, and 55 and older.
• Progressive may include discounts for online signing, good student, multi-vehicle, online quote discount, multi-policy, continuous coverage, and homeowner.

If you want the cheapest car insurance quotes, ask every insurance company which discounts you may be entitled to. Some discounts might not be available to policyholders in your state. To view insurers who offer cheap car insurance quotes, click here.

Compare insurance coverage quotes online

To get cheaper car insurance quotes, there a variety of ways of comparing rate quotes from all the different companies. The best way to do a complete rate comparison is to perform an online rate comparison. This can be accomplished in several different ways.

1. The recommended way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This quick form saves time by eliminating separate quote forms for each price estimate. Filling out one form gets you coverage quotes from multiple companies.
2. Another way to shop for insurance coverage online is to take the time to go to the website for each individual company and fill out their own quote form. For example, we’ll pretend you need rates from Auto-Owners, Progressive and Liberty Mutual. To get rate quotes you would need to take the time to go to each site to enter the same coverage data repeatedly, which can get old fast.

   To view a list of companies in your area, click here.

Which method you use is up to you, but make sure you use equivalent coverage information with each company. If you are comparing different liability limits it will be impossible to determine the best price for your Pontiac Sunfire. Quoting even small variations in coverage limits may cause a big price difference. Just remember that comparing a wide range of rates helps you find more affordable rates.

Tailor your car insurance coverage to you

When choosing the right insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that For instance, these questions could help you determine if your insurance needs might need professional guidance.

• Do I need special endorsements for business use of my vehicle?
• Should I buy only the required minimum liability coverage?
• Can my teen drive my company car?
• Is a fancy paint job covered?
• Is extra glass coverage worth it?
• Do I need rental car coverage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Auto insurance coverages 101

Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average auto insurance policy.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like colliding with another moving vehicle, crashing into a building and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability

This coverage provides protection from damages or injuries you inflict on people or other property. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things such as repair costs for stationary objects, legal defense fees, medical expenses, emergency aid and attorney fees. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills for things like X-ray expenses, funeral costs, doctor visits, surgery and pain medications. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hitting a deer and a broken windshield. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Pontiac Sunfire.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

A tidy conclusion

While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. There have been many cases where an insured dropped physical damage coverage and learned later that the savings was not a smart move. Your objective should be to get the best coverage possible at an affordable rate.

In this article, we covered some good ideas how you can reduce 2000 Pontiac Sunfire insurance premium rates online. The key thing to remember is the more providers you compare, the better likelihood of getting inexpensive car insurance. Drivers may discover the best price on insurance coverage is with a small local company. They often have lower prices on specific markets as compared to the big name companies such as Geico and State Farm.

More detailed insurance coverage information is available by following these links:

• Airbag FAQ (iihs.org)
• Young Drivers: The High Risk Years Video (iihs.org)
• Older Drivers FAQ (iihs.org)
• Rental Reimbursement Coverage (Allstate)