1999 Pontiac Sunfire Insurance Rates – 7 Discounts for Cheaper Quotes

Shoppers have options when shopping for affordable Pontiac Sunfire insurance. You can either spend your time contacting agents getting price quotes or leverage the internet to make rate comparisons.

There are more efficient ways to compare insurance coverage rates and we’ll show you the quickest way to price shop coverage for a new or used Pontiac and get the lowest possible price from both online companies and local agents.

Consumers need to shop coverage around before your policy renews due to the fact that insurance prices are constantly changing. Just because you had the best deal for Sunfire insurance a couple years back there is a good chance you can find better rates now. Forget all the misinformation about insurance coverage because you’re going to get a crash course in how to quote online to save on insurance coverage.

Compare car insurance price quotes

Finding low cost 1999 Pontiac Sunfire car insurance quotes can be surprisingly simple. The only thing you need to do is take the time comparing free insurance quotes online from several insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

If you don’t have a lot of time, the easiest way to find low rates would be an industry-wide quote request form like this one (opens in new window). This type of form eliminates the need for separate quotes for each company you want a rate for. Filling out one form will return quotes from all major companies. It’s the fastest way to compare.

A slightly less efficient method to analyze rates consists of going to each company website and request a quote. For example, let’s assume you want rates from Liberty Mutual, 21st Century and Progressive. In order to compare rates, you need to spend time on each company’s site to enter your coverage information, which can take a lot of time. For a list of links to insurance companies in your area, click here.

Take whichever approach you prefer, but try to keep exactly the same coverages for each price quote. If you are comparing higher or lower deductibles it will be next to impossible to truly determine the lowest rate.

Lower rate quotes by receiving these seven discounts

Insuring your vehicles can cost a lot, but you may be missing some discounts that you may not even know about. Many of these discounts will be applied automatically when you get a quote, but once in a while a discount must be asked for prior to receiving the credit.

  • Seat Belt Discounts – Drivers who require all occupants to wear their seat belts can save 10% or more on medical payment and PIP coverage.
  • Senior Discount – Mature drivers could receive a small discount on rates for Sunfire insurance.
  • Club Memberships – Being a member of qualifying clubs or civic groups could qualify you for a break when shopping for car insurance.
  • Government Employee Discount – Active or former government employment can earn a discount up to 10% for Sunfire insurance depending on your car insurance provider.
  • Low Miles Discount – Low mileage vehicles could qualify for better prices on cars that stay parked.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. This discount can apply up to age 25.
  • Military Deployment Discount – Being deployed in the military could mean lower rates.

Consumers should know that most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you could get a free car insurance policy, companies wouldn’t make money that way. But any discount will help reduce your policy cost.

A partial list of companies that may include some of the above discounts include:

Before you buy a policy, ask each company to give you their best rates. A few discounts might not be offered on policies everywhere. If you would like to choose from a list of car insurance companies that offer discounts, follow this link.

Your insurance coverage should be tailored to you

When it comes to buying adequate coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight if you might need an agent’s assistance.

  • What exactly is covered by my policy?
  • Am I covered if my car is in a flood?
  • What if I don’t agree with a claim settlement offer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What can I do if my company denied a claim?
  • What is covered by UM/UIM coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you don’t know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Drivers who switch save $479 a year? Really?

Drivers can’t get away from ads for insurance coverage savings from the likes of GEICO, State Farm and Progressive. All the companies convey the message that people will save just by switching your coverage.

How does each company give you a lower rate? It’s all in the numbers.

Different companies have specific guidelines for the type of customer they prefer to insure. For example, this type of insured could possibly be a married female, has no prior claims, and drives newer vehicles. A driver that matches those criteria will most likely get cheap car insurance rates and have a good chance to save quite a bit of money when switching.

Consumers who are not a match for these standards may be required to pay a more expensive rate which leads to the customer not purchasing. If you pay attention, the ads say “drivers who switch” not “everyone who quotes” will save that much if they switch. That’s why companies can truthfully state the savings.

This really emphasizes why drivers must get a wide range of price quotes. It is just not possible to predict which company will give you the biggest savings.

Specifics of your insurance policy

Having a good grasp of insurance helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for immediate expenses such as ambulance fees, chiropractic care, doctor visits, pain medications and funeral costs. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability car insurance – This coverage will cover injuries or damage you cause to other people or property by causing an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as emergency aid, bail bonds, court costs, funeral expenses and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your 1999 Pontiac Sunfire.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverages – This pays for damage to your Sunfire resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, sideswiping another vehicle, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – This coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, damage from a tornado or hurricane, fire damage, a broken windshield and theft. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

A little work can save a LOT of money

Some insurance providers may not have rates over the internet and these small, regional companies work with independent agencies. Cost effective 1999 Pontiac Sunfire insurance is available online in addition to local insurance agencies, and you should compare price quotes from both to have the best selection.

We just presented quite a bit of information on how to save on 1999 Pontiac Sunfire insurance. It’s most important to understand that the more price quotes you have, the higher your chance of finding cheap insurance. Consumers could even find that the best rates are with a small mutual company.

People leave their current company for many reasons like not issuing a premium refund, extreme rates for teen drivers, poor customer service and even denial of a claim. Regardless of your reason for switching companies, finding the right auto insurance provider is easier than you think.

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