2000 Pontiac Sunfire Car Insurance Quotes – 10 Discounts for Cheapest Rates

Looking for lower car insurance rates for your Pontiac Sunfire? Wish you could get out of an expensive car insurance policy? It’s a common feeling and many consumers feel financially strained by their car insurance policy.

Companies like GEICO, Progressive and Allstate all promote huge savings with fancy advertisements and consumers find it hard to see through the deception and find the best price available.

It’s important to shop coverage around before your next renewal because car insurance rates go up and down regularly. If you had the best deal for Sunfire coverage on your last policy you will most likely find a better price today. Block out anything you think you know about car insurance because you’re about to learn the quickest way to find better rates and still maintain coverage.

If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these methods. Choosing the best insurance company for you is easy if you know what you’re doing. Although car owners must know the methods companies use to determine prices.

Insurance coverage quotes comparison

Comparing insurance coverage rates is a ton of work if you don’t know the fastest way to get free quotes. You can spend your afternoon talking about coverages with local insurance agents in your area, or you can stay home and use the internet to get the quickest rates.

Most car insurance companies participate in a marketplace where prospective buyers submit their information once, and every company then returns a price quote based on that information. This eliminates the need for quotation requests to each individual insurance coverage company.

To get comparison pricing now click here (opens in new window).

The single downside to pricing coverage this way is you cannot specify which insurance companies you want pricing from. If you would rather choose specific insurance companies to compare rates, we have a page of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just be sure you’re using the exact same coverages and limits with each company. If the quotes have different data it will be very difficult to find the best deal for your Pontiac Sunfire. Just a small difference in coverage limits could throw off the whole comparison. It’s important to know that having more price comparisons will improve the odds of getting better pricing.

More discounts mean lower-cost premiums

Insurance can be pricey, but there’s a good chance there are discounts that you may not even be aware of. Certain discounts will be applied at the time you complete a quote, but lesser-known reductions have to be manually applied before being credited.

  • New Vehicle Savings – Putting insurance on a new car may earn a small discount since new vehicles are generally safer.
  • Drivers Education – It’s a good idea to have your young drivers complete a driver education course in school.
  • 55 and Retired – Mature drivers may qualify for lower premium rates for Sunfire coverage.
  • Air Bag Discount – Cars that have air bags or automatic seat belts could see savings as much as 30%.
  • Defensive Driver Discount – Successfully completing a defensive driving course can save you 5% or more and make you a better driver.
  • Discount for Home Ownership – Owning your own home or condo can save you money because it demonstrates responsibility.
  • Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you can actually save on your bill.
  • Federal Government Employee – Active or retired federal employment may qualify for a discount when you quote insurance for Sunfire coverage with select insurance companies.
  • Low Mileage Discounts – Fewer annual miles on your Pontiac could earn slightly better premium rates than normal.
  • Military Rewards – Having an actively deployed family member could qualify you for better rates.

A little disclaimer on discounts, many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, nobody gets a free ride.

To see companies that offer multiple discounts, click here.

It’s not one size fits all

When it comes to buying the best car insurance coverage for your vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions may help highlight whether or not you might need an agent’s assistance.

  • Does coverage extend to a rental car in a foreign country?
  • Is a blown tire covered by insurance?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does my personal policy cover me when driving out-of-state?
  • Should I buy full coverage?
  • How can I force my company to pay a claim?
  • Is business equipment covered while in my vehicle?
  • When should I buy a commercial auto policy?

If you’re not sure about those questions, you might consider talking to 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.

Car insurance coverages for a 2000 Pontiac Sunfire

Having a good grasp of a insurance policy aids in choosing which coverages you need for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average insurance policy.

Liability – Liability insurance protects you from damage or injury you incur to other people or property. 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 means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like bail bonds, court costs, legal defense fees, medical expenses and attorney fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for expenses for prosthetic devices, pain medications, X-ray expenses, hospital visits and EMT expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverages – Collision insurance covers damage to your Sunfire from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a building, scraping a guard rail, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as theft, falling objects, fire damage, damage from getting keyed and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Get your money’s worth

Cheap 2000 Pontiac Sunfire insurance is possible both online in addition to local insurance agencies, so you should compare both to have the best chance of lowering rates. Some insurance companies do not provide internet price quotes and usually these small insurance companies only sell coverage through local independent agencies.

While you’re price shopping online, you should never buy less coverage just to save a little money. In too many instances, an insured cut liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal is to find the BEST coverage at the best cost and still be able to protect your assets.

We’ve covered many ideas to compare 2000 Pontiac Sunfire insurance premium rates online. It’s most important to understand that the more companies you get prices for, the higher your chance of finding cheaper insurance. Consumers could even find that the lowest priced insurance comes from a small mutual company. They may only write in your state and offer lower prices than their larger competitors like GEICO and State Farm.

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