Save on 2002 Pontiac Sunfire Insurance Rates

Drivers have options when trying to find low-cost Pontiac Sunfire insurance. You can either spend your time driving around to compare prices or leverage the internet to get rate quotes.

There are more efficient ways to compare insurance rates and you need to know the absolute fastest way to compare rates for a Pontiac and get the lowest possible price from both online companies and local agents.

Where can I get low cost auto insurance?

There are a lot of ways to shop for auto insurance, but some are less labor-intensive and much quicker. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could save time and use the internet to get rates in a matter of minutes.

Most major companies participate in an industry program that allows shoppers to enter their coverage request one time, and each participating company can provide price quotes based on that data. This eliminates the need for quotation requests for each company you want a rate for. To compare rates using this form now click to open in new window.

The only drawback to getting quotes like this is you don’t know exactly which providers to get pricing from. If you wish to select individual companies to compare rates, we have a listing of low cost auto insurance companies in your area. View list of insurance companies.

Whichever method you choose, ensure you are comparing the exact same coverage data with each company. If the quotes have different liability limits you can’t possibly make a fair rate comparison.

Discounts to earn affordable auto insurance rates

The cost of insuring your cars can be expensive, but you may be missing some discounts that may help make it more affordable. A few discounts will be applied at the time of quoting, but some discounts are required to be asked about prior to getting the savings.

Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts of 20 to 30 percent.
Discount for New Cars – Buying a new car instead of a used car can cost up to 25% less because newer models are generally safer.
Discount for Multiple Policies – If you have multiple policies with the same company you may earn nearly 15% which can help you find cheap insurance coverage.
Discounts for Government Workers – Federal government employees can save as much as 8% for Sunfire coverage depending on your company.
Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy a life insurance policy as well.
Theft Deterent Discount – Vehicles that have factory anti-theft systems can help prevent theft and earn discounts up to 10% off your insurance coverage quote.
Accident Free – Good drivers with no accidents can save substantially compared to policyholders that have many claims.
Save with More Vehicles Insured – Buying insurance for multiple vehicles with the same company can get a discount on all vehicles.

One thing to note about discounts is that most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, you aren’t that lucky. But any discount will positively reduce the amount you pay for coverage.

If you would like to see a list of insurers that can offer you the previously mentioned discounts, click here to view.

Tailor your insurance coverage to you

When choosing proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that might help in determining whether you may require specific advice.

What if I don’t agree with a claim settlement offer?
Is my dog or cat covered if injured in an accident?
Is my 2002 Pontiac Sunfire covered for flood damage?
What is no-fault insurance?
What can I do if my company denied a claim?
Should I drop comprehensive coverage on older vehicles?
Am I covered when pulling a rental trailer?
Does having multiple vehicles earn me a discount?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Information about specific coverages

Learning about specific coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like ambulance fees, nursing services, EMT expenses, chiropractic care and dental work. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability insurance

This coverage provides protection from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for 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. Your policy might show values of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for claims like structural damage, repair bills for other people’s vehicles, pain and suffering and medical services. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Pontiac Sunfire.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverages

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as theft, falling objects, a tree branch falling on your vehicle and hitting a bird. The most your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a mailbox, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.