2003 Pontiac Sunfire Car Insurance Quotes – 9 Policy Discounts

Locating the cheapest insurance for a new or used Pontiac Sunfire can turn out to be difficult, but you can follow the following methods to save time.

There is a right way and a wrong way to shop for car insurance so you’re going to learn the absolute fastest way to price shop coverage on a Pontiac and locate the cheapest rates.

The easiest way to compare rates utilizes the fact most larger insurance companies participate in online systems to compare rate quotes. The only thing you need to do is provide the companies a bit of rating information including how your vehicles are used, how much you drive, your occupation, and the type of vehicles you drive. Your rating data gets sent immediately to insurance companies and you should receive rate quotes immediately.

Do you qualify for these nine discounts?

Some insurance providers do not advertise all disounts very well, so we took the time to find both the well known and also the lesser-known credits that you can use to lower your rates. If you aren’t receiving every discount available, you may be paying too high a price.

  • Online Discount – Certain insurance companies provide a small discount simply for signing digitally online.
  • Active Military Service – Having a deployed family member may lower your insurance coverage rates slightly.
  • 55 and Retired – Drivers over the age of 55 may receive lower premium rates on Sunfire insurance.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle up can save up to 15% on the premium charged for medical payments and/or PIP.
  • Telematics Data – Insureds who allow data collection to track their driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as they are good drivers.
  • Theft Deterent System – Cars and trucks with anti-theft systems prevent vehicle theft and earn discounts up to 10% off your car insurance quote.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can save up to 40% or more on their car insurance quote on Sunfire insurance than drivers with accidents.
  • Homeowners Savings – Just being a homeowner may trigger a policy discount on insurance coverage since owning and maintaining a home means you have a higher level of financial diligence.
  • Federal Government Employee – Simply working for the federal government could qualify for a slight premium decrease on Sunfire insurance depending on your insurance coverage provider.

Discounts lower rates, but many deductions do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Despite the appearance that it’s possible to get free car insurance, you won’t be that lucky. But all discounts should help reduce the amount you have to pay.

Auto insurance companies that may include these money-saving discounts possibly include:

Before buying, ask all the companies which discounts can lower your rates. Savings might not be offered in your area. If you would like to view providers with significant discounts, click here to view.

Don’t assume everyone needs the same insurance coverage

When choosing adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

For example, these questions might help in determining whether your personal situation might need an agent’s assistance.

  • What are the financial responsibility laws in my state?
  • Do I need rental car coverage?
  • Is my ex-spouse still covered by my policy?
  • What is the difference between comprehensive and collision coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need motorclub coverage?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Don’t listen to company ads

Consumers can’t escape the ads for cheaper insurance by companies like GEICO, State Farm and Progressive. All the companies make the point that you can save after switching your policy.

That’s great but how can every company charge you less for car insurance? It’s all in the words they use.

Most companies give the best rates for the type of customer that will not have excessive claims. One example of a driver they prefer may be married and over the age of 30, has no claims, and has a high credit rating. Any driver that hits that “sweet spot” will get the preferred premium rates and most likely will save when they switch companies.

Drivers who cannot meet these stringent criteria will be quoted higher prices which translates to the driver buying from a lower-cost company. The trick is to say “drivers who switch” not “all people who quote” save that kind of money. This is how insurance companies can make those statements.

This illustrates why drivers should get as many free car insurance quotes as possible. You cannot predict which insurance companies will fit your personal profile best.

Car insurance 101

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive insurance – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as theft, hitting a deer, fire damage and rock chips in glass. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Sunfire.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.

Collision – Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a building, colliding with another moving vehicle, sideswiping another vehicle, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Liability coverages – This coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like bail bonds, attorney fees, loss of income and pain and suffering. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like prosthetic devices, EMT expenses, ambulance fees and pain medications. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Take this to the bank

Throughout this article, we presented many ways to compare 2003 Pontiac Sunfire insurance premium rates online. The key concept to understand is the more times you quote, the better likelihood of getting the cheapest car insurance. Consumers may even find the lowest premium rates come from a company that doesn’t do a lot of advertising.

While you’re price shopping online, you should never sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced uninsured motorist or liability limits and discovered at claim time that it was a big mistake. Your aim should be to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.

Consumers change insurance companies for any number of reasons including delays in responding to claim requests, not issuing a premium refund, lack of trust in their agent or even denial of a claim. Regardless of your reason, choosing a new insurance company can be easier than you think.

Much more information about auto insurance can be read at the links below