How Much Does 2004 Pontiac Sunfire Insurance Cost?

Looking for better auto insurance rates for your Pontiac Sunfire? Trying to come up with a payment for high-priced auto insurance can deplete your checking account and maybe even restrict other spending. You have so many auto insurance companies to buy insurance from, and although it’s a good thing to have a choice, too many choices makes it more difficult to find the lowest cost provider.

It is always a good idea to price shop coverage at least once a year due to the fact that insurance prices go up and down regularly. Even if you think you had the best rates for Sunfire insurance last year there may be better deals available now. There is a lot of wrong information about auto insurance out there, but by reading this article, you’re going to learn some of the best techniques to quit paying high auto insurance rates.

These discounts can slash car insurance rates

Car insurance companies do not list every disount available very well, so the following list contains a few of the more common in addition to some of the lesser obvious credits available to bring down your rates.

• Save over 55 – Mature drivers may receive a small decrease in premiums for Sunfire insurance.
• Active Military Service – Having a family member in the military may qualify for rate reductions.
• Accident Forgiveness Coverage – This one isn’t a discount, but a few companies such as Progressive, State Farm and Geico will turn a blind eye to one accident before they charge you more for coverage if you are claim-free for a specific time period.
• Discount for Multiple Policies – If you insure your home and vehicles and insure them both with the same insurance company you could earn a discount of as much as 10 to 15 percent.
• Driving Data Discount – Drivers who agree to allow their car insurance company to analyze driving habits by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction as long as the data is positive.
• Federal Government Employee – Federal government employees could provide a small rate reduction for Sunfire insurance with some car insurance companies.
• Life Insurance – Some companies give a small discount if you purchase a life policy as well.
• Seat Belt Usage – Drivers who require all occupants to use their safety belts can save up to 15% on medical payment and PIP coverage.
• Smart Student Discounts – Getting good grades could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.
• Buy New and Save – Adding a new car to your policy can save up to 30% compared to insuring an older model.

We need to note that many deductions do not apply to the entire policy premium. Most only cut specific coverage prices like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount will reduce your premiums.

To see providers that can offer you the previously mentioned discounts, click here to view.

How to compare free car insurance quotes

There are a variety of methods to compare car insurance quotes, but some are less time-consuming than others. You can waste hours talking to agents in your area, or you can utilize the internet to quickly compare rates.

Many companies take part in a program that allows shoppers to enter their policy data once, and at least one company then gives them pricing based on that information. This saves time by eliminating form submissions for every car insurance company. To compare pricing click to open in new window.

The only downside to using this type of system is you can’t choose the companies to get pricing from. If you would rather choose individual companies to compare rates, we have assembled a list of the cheapest car insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just do your best to enter exactly the same quote information with each company. If your comparisons have mixed coverages you will not be able to make a fair rate comparison.

When do I need an agent’s advice?

When it comes to choosing the right insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different so your insurance should reflect that For instance, these questions might help in determining whether your personal situation would benefit from professional advice.

• I have health insurance so do I need medical payments coverage?
• What is the difference between comprehensive and collision coverage?
• Should I buy only the required minimum liability coverage?
• How high should deductibles be on a 2004 Pontiac Sunfire?
• Does my 2004 Pontiac Sunfire qualify for pleasure use?
• Will filing a claim cost me more?
• Why am I be forced to buy a membership to get insurance from some companies?
• Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage basics

Learning about specific coverages of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average insurance policy.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for expenses such as rehabilitation expenses, surgery, nursing services, prosthetic devices and EMT expenses. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from getting keyed, hitting a bird, damage from a tornado or hurricane, fire damage and falling objects. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision protection

This will pay to fix damage to your Sunfire resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like hitting a parking meter, damaging your car on a curb, crashing into a building, crashing into a ditch and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Auto liability insurance

This protects you from damages or injuries you inflict on other’s property or people in an accident. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like medical services, emergency aid, loss of income and attorney fees. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Affordable insurance is out there

We just covered some good ideas how you can lower your 2004 Pontiac Sunfire insurance rates. It’s most important to understand that the more quotes you get, the better likelihood of getting the cheapest insurance. Consumers could even find that the lowest rates are with a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.

Some insurance companies may not have internet price quotes and these regional insurance providers only sell through independent insurance agencies. Lower-priced auto insurance is possible both online and from local insurance agents, and you should compare rates from both to get a complete price analysis.

Additional auto insurance information can be found on the following sites:

• Side Impact Crash Tests (iihs.org)
• Distracted Driving Statistics (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• How to Avoid Staged Accidents (State Farm)