2001 Pontiac Sunfire Insurance Quotes

When searching for lower-priced insurance, do you get confused by the crazy number of car insurance sources that you can choose from? Many other people are too. There are such a large number of options that it can really be a big hassle to find lower premium rates.

Smart choices result in lower insurance prices

A large part of saving on insurance coverage is knowing some of the things that help calculate the rates you pay for insurance coverage. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in lower premium levels. Many factors are part of the equation when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, but others are not as apparent like your continuous coverage or your financial responsibility.

Listed below are a few of the “ingredients” insurance coverage companies consider when setting your prices.

• Poor credit decisions can cost you – Credit history is a big factor in determining what you pay. People that have excellent credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit ratings. Therefore, if your credit history leaves room for improvement, you could be paying less to insure your 2001 Pontiac Sunfire if you improve your credit rating.
• Single vs. married – Walking down the aisle can get you a discount on insurance coverage. Having a spouse is viewed as being more mature than a single person and insurance companies like that drivers who are married file infrequent claims.
• No insurance coverage gaps is important – Driving without insurance is a big no-no and insurance coverage companies will penalize you for letting your coverage have a gap. In addition to paying higher rates, being ticketed for driving with no insurance could earn you a fine, jail time, or a revoked license. You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
• Prices and your address – Living in smaller towns and rural areas of the country has it’s advantages when shopping for auto insurance. Residents of big cities regularly have more road rage incidents and more severe claims. Less people means less chance of accidents and a lower car theft rate.
• Theft deterrents save – Driving a car with a theft deterrent system can earn a premium discount. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent your vehicle from being stolen.

Car insurance discounts are available to slash your rates

Some providers do not advertise every discount they offer in an easy-to-find place, so the following list contains a few of the more well known and also the more inconspicuous credits that you can use to lower your rates.

• Low Mileage Discounts – Driving less can earn substantially lower prices.
• Discount for Home Ownership – Just being a homeowner can help you save on car insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
• Good Grades Discount – Maintaining excellent grades can get you a discount of up to 25%. Most companies allow this discount well after school through age 25.
• Multi-car Discount – Having multiple cars on the same car insurance policy could earn a price break for each car.
• Good Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Sunfire insurance compared to accident prone drivers.
• Defensive Driver Discounts – Successfully completing a defensive driving course is a good idea and can lower rates depending on where you live.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course as it will make them better drivers and lower rates.
• Theft Deterent Discount – Cars equipped with anti-theft or alarm systems have a lower chance of being stolen and earn discounts up to 10% off your insurance quote.
• Lower Rates for Military – Having a family member in the military may lower your prices slightly.
• Use Seat Belts – Drivers who always wear seat belts and also require passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.

Please keep in mind that some of the credits will not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. But any discount will reduce your overall bill.

A list of car insurance companies and their possible discounts can be found below.

• 21st Century offers premium reductions for 55 and older, homeowners, automatic seat belts, driver training, theft prevention, and defensive driver.
• Progressive discounts include multi-vehicle, homeowner, continuous coverage, good student, multi-policy, and online quote discount.
• State Farm policyholders can earn discounts including multiple policy, multiple autos, driver’s education, Steer Clear safe driver discount, and good student.
• Nationwide may have discounts that include Farm Bureau membership, easy pay, defensive driving, business or organization, good student, family plan, and accident-free.
• Esurance may include discounts for DriveSense, claim free, good driver, renters, Pac-12 alumni, and multi-car.
• The Hartford includes discounts for defensive driver, anti-theft, vehicle fuel type, bundle, and air bag.

If you are trying to find affordable insurance quotes, ask each company or agent to give you their best rates. Discounts may not be offered everywhere. To see a list of insurers that can offer you the previously mentioned discounts, follow this link.

Everyone needs different insurance coverage coverages

When choosing the best insurance coverage coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining if your situation would benefit from an agent’s advice.

• Does my liability insurance cover pulling a trailer or camper?
• What can I do if my company won’t pay a claim?
• Am I covered when delivering products for my home-based business?
• Is there coverage for injuries to my pets?
• Am I covered if I hit my neighbor’s mailbox?
• When should I remove comp and collision on my 2001 Pontiac Sunfire?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Auto insurance policy specifics

Understanding the coverages of your auto insurance policy aids in choosing appropriate coverage for your vehicles. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Auto liability – This coverage can cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things such as legal defense fees, pain and suffering and medical expenses. How much coverage you buy is your choice, but buy as large an amount as possible.

Comprehensive (Other than Collision) – This 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 insurance covers claims such as theft, rock chips in glass and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for expenses for ambulance fees, EMT expenses and doctor visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverages – This pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a building, damaging your car on a curb, colliding with a tree, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your 2001 Pontiac Sunfire.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these limits are set the same as your liablity limits.

Shop smart and save

We just presented many ways to lower your 2001 Pontiac Sunfire insurance premium rates. The key concept to understand is the more you quote insurance, the better your chances of lowering your prices. You may even find the lowest premium rates are with some of the smallest insurance companies.

When searching for the cheapest insurance quotes, never reduce coverage to reduce premium. There are a lot of situations where an insured dropped collision coverage only to regret that the savings was not a smart move. The goal is to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

Some insurance providers do not provide price quotes online and many times these smaller providers work with independent agents. Affordable 2001 Pontiac Sunfire insurance can be bought on the web and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture.

Additional car insurance information is located at the links below

• Drunk Driving Statistics (Insurance Information Insitute)
• Car Insurance FAQ (Trusted Choice)
• All About Airbag Safety (State Farm)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)