Lower Your 2002 Pontiac Sunfire Insurance Quotes

Did you come to the realization that you have an underperforming, overpriced auto insurance policy? Don’t feel bad because there are many people just like you.

Online insurance companies like Geico, Progressive and Allstate constantly bombard you with ads and it is difficult to avoid their marketing magic and effectively compare rates to find the best deal.

It’s smart to take a look at other company’s rates before your next renewal due to the fact that insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rates for Sunfire coverage a few years ago the chances are good that you can find a lower premium rate today. Forget all the misinformation about auto insurance because you’re going to get a crash course in how to quote online to reduce your cost while increasing coverage.

Get cheap insurance coverage with discounts

Insurance coverage is easily one of your largest bills, but there are discounts available that may help make it more affordable. Certain reductions will be credited when you purchase, but lesser-known reductions have to be manually applied before being credited. If you are not receiving all the discounts you qualify for, you are paying more than you should be.

• Seat Belts Save – Drivers who always wear seat belts and also require passengers to wear their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
• Multi-Vehicle Discounts – Buying coverage for primary and secondary vehicles on the same insurance coverage policy can get a discount on all vehicles.
• Claim Free – Drivers who stay claim-free have much lower rates as opposed to accident-prone drivers.
• Accident Waiver – This isn’t a discount exactly, but a few companies such as Allstate and Geico will forgive one accident before raising your premiums so long as you haven’t had any claims for a set time period.
• Sign Early and Save – Some insurance companies reward drivers for switching to them before your current coverage expires. You can save around 10% with this discount.
• Anti-lock Brake System – Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
• Safety Course Discount – Completing a course in defensive driver could earn you a small percentage discount and easily recoup the cost of the course.
• Discounts for Government Workers – Federal government employees could qualify for a slight premium decrease for Sunfire coverage with a few insurance coverage companies.

Don’t be shocked that most of the big mark downs will not be given to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way.

Companies that may include these discounts include:

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

Before buying, ask every company which discounts they offer. Some of the discounts discussed earlier might not be offered in your area. To view insurers who offer online insurance coverage quotes, follow this link.

The best way we recommend to compare car insurance rates is to know the fact most of the bigger providers participate in online systems to compare rate quotes. All consumers are required to do is give the companies some data like daily mileage, how old drivers are, your education level, and if you require a SR-22. Those rating factors is automatically sent to multiple top-rated companies and they return rate quotes instantly.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage, there really is no best way to insure your cars. Every situation is different so this has to be addressed. Here are some questions about coverages that can help discover if you will benefit from professional help.

• Does having multiple vehicles earn me a discount?
• Am I covered when driving someone else’s vehicle?
• Am I covered if I break a side mirror?
• Is my babysitter covered when using my vehicle?
• Am I getting all the discounts available?
• Is borrowed equipment or tools covered if stolen or damaged?
• Do I pay less if my vehicle is kept in my garage?
• How does medical payments coverage work?
• Is my business laptop covered if it gets stolen from my vehicle?
• What is the ISO rating for a 2002 Pontiac Sunfire?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Auto insurance coverages explained

Learning about specific coverages of auto insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages offered by auto insurance companies.

Liability insurance – Liability insurance protects you from damages or injuries you inflict on other people or property by causing an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things such as loss of income, pain and suffering, legal defense fees and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Pontiac Sunfire.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a bird, falling objects, damage from getting keyed, hail damage and a broken windshield. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision – Collision coverage pays for damage to your Sunfire resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like damaging your car on a curb, hitting a mailbox, crashing into a building and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Medical expense insurance – Med pay and PIP coverage kick in for expenses for doctor visits, X-ray expenses, hospital visits, surgery and dental work. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

In Summary

You just learned some good ideas how you can compare 2002 Pontiac Sunfire insurance premium rates online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the best premium rates are with a small local company. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like Allstate, Geico and Progressive.

When buying insurance coverage, it’s very important that you do not reduce needed coverages to save money. In too many instances, consumers will sacrifice liability coverage limits and learned later that they should have had better coverage. The goal is to find the BEST coverage at a price you can afford.

Additional information is available below:

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Information for Teen Drivers (Geico)
• Top Signs Your Brakes are Giving Out (State Farm)
• Credit Impacts Car Insurance Rates (State Farm)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)