View 1998 Pontiac Sunfire Car Insurance Cost

Searching for better auto insurance rates for your Pontiac Sunfire? Expensive Pontiac Sunfire insurance can sap your bank account and force you to tighten up your finances. Doing a price comparison is recommended to ensure you are getting the best deal.

Since you have so many auto insurance companies to choose from, it can be hard to find the right insurance company.

Car insurance rates and discounts

Insuring your fleet can be pricey, but you might be missing out on some discounts that can dramatically reduce your bill. Some discounts apply automatically when you purchase, but some need to be specifically requested before being credited.

  • Senior Citizens – Seniors may qualify for a slight reduction on a insurance quote on Sunfire insurance.
  • Save with a New Car – Putting coverage on a new car may earn a small discount since new model year vehicles are generally safer.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% on Sunfire insurance than drivers with accident claims.
  • No Claim Discounts – Claim-free drivers have much lower rates as opposed to policyholders that have many claims.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Employee of Federal Government – Federal government employees can save as much as 8% on Sunfire insurance with select insurance companies.
  • Anti-lock Brake Discount – Vehicles with ABS and/or traction control can stop better under adverse conditions and therefore earn up to a 10% discount.

It’s important to understand that most credits do not apply the the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you can get free auto insurance, it just doesn’t work that way.

Companies that may offer most of the discounts above are:

When quoting, ask every company which discounts they offer. All car insurance discounts may not apply to policies in every state.

Why smart consumers pay less for Pontiac Sunfire insurance

Lots of things are part of the equation when pricing auto insurance. Most are fairly basic such as your driving record, although others are not quite as obvious such as your credit history or your financial responsibility.Part of the auto insurance buying process is learning some of the factors that help calculate the rates you pay for auto insurance. When you understand what influences your rates, this empowers consumers to make smart changes that may reward you with cheaper rates.

  • Never go without auto insurance – Driving without insurance coverage in place is a big no-no and companies may charge more for letting your insurance expire. And not only will insurance be more expensive, not being able to provide proof of insurance may earn you fines or a revoked license.
  • Drive less and save – The more you drive your Pontiac each year the more you’ll pay to insure it. Most companies calculate prices based upon how the vehicle is primarily used. Cars and trucks left parked in the garage can get a lower rate than those that get driven frequently. It’s a good idea to make sure your auto insurance declarations sheet states how each vehicle is driven. An incorrectly rated Sunfire is throwing money out the window.
  • Lower rates by increasing deductibles – The deductibles tell how much you are willing to pay in the event of a claim. Physical damage coverage, also known as collision and other-than-collision, protects your car from damage. Some examples of claims that would be covered would be collision with another vehicle, vandalism, and having a roll-over accident. The more of the claim the insured is willing to pay, the bigger discount you will receive on Sunfire insurance.
  • Safety ratings are a factor – Vehicles with good safety scores get lower rates. The safest vehicles reduce the chance of injuries and fewer serious injuries means less claims paid and lower rates for you. If your Pontiac scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.

Situations that may require an agent’s advice

When it comes to choosing coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions can aid in determining if your insurance needs would benefit from professional advice.

  • What is the rate difference between pleasure use and commuting?
  • Can my babysitter drive my car?
  • Does my medical payments coverage pay my health insurance deductible?
  • Why am I required to get a high-risk car insurance policy?
  • When do I need to add a new car to my policy?
  • Are my friends covered when driving my 1998 Pontiac Sunfire?
  • When should I buy a commercial auto policy?
  • Is there coverage for injuries to my pets?
  • How does medical payments coverage work?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Slick advertising tricks that work

Drivers can’t ignore all the ads that claim the best rates from companies such as State Farm and Allstate. They all seem to try to convey promises about saving some big amount if you change your insurance coverage policy to them.

That’s great but how can every company claim to save you money?

Different companies give the best rates for a prospective insured that will be a good risk. A good example of a profitable risk profile may be married and over the age of 30, has other policies, and drives newer vehicles. Any customer that matches those criteria will get very good premium rates and have a good chance to save a lot of money.

Insureds who do not meet those standards must pay higher rates and this results in the customer buying from a different company. Company advertisements say “people who switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way insurance companies can confidently lure you into getting a quote.

Because of this risk profiling, drivers should compare many company’s premium rates. It is impossible to guess which company will provide you with the cheapest car insurance rates.

Coverages available on your insurance policy

Having a good grasp of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are the normal coverages found on the average insurance policy.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for rehabilitation expenses, dental work and surgery. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, hitting a deer, fire damage, falling objects and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability

Liability insurance protects you from damage that occurs to other’s property or people that is your fault. It protects YOU from claims by other people, 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. As an example, you may have policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like funeral expenses, medical services, court costs and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Collision coverage protection

Collision insurance covers damage to your Sunfire resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as driving through your garage door, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Pontiac Sunfire.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Make an honest buck

When shopping online for insurance, do not buy less coverage just to save a little money. Too many times, an insured dropped uninsured motorist or liability limits only to regret that it was a big mistake. Your focus should be to purchase a proper amount of coverage at a price you can afford, but don’t skip important coverages to save money.

In this article, we presented many tips how you can get a better price on 1998 Pontiac Sunfire insurance. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even find the biggest savings come from a small mutual company. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

To learn more, take a look at the following helpful articles: