1993 Pontiac Sunbird Insurance Rates – 6 Policy Discounts

Shopping for the lowest cost insurance coverage over the internet is intimidating for people who are new to price shopping online. With so many choices of online companies available, how can you even start to compare every company to locate the lowest price?

If you have car insurance now, you will most likely be able to cut costs considerably using this strategy. Pricing the best protection is not that difficult. But car owners need to have an understanding of how companies price insurance differently.

How to Buy Auto Insurance Online

Effectively comparing auto insurance prices can be a daunting task if you don’t utilize the most efficient way to do it. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you could save time and use the internet to get prices fast.

Most of the best insurance companies participate in a marketplace where prospective buyers send in one quote, and at least one company can provide price quotes. This saves time by eliminating quote forms for each company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to getting quotes like this is you don’t know exactly the providers to get quotes from. If you prefer to choose specific providers to receive pricing from, we have a listing of low cost auto insurance companies in your area. View list of insurance companies.

Whichever way you use, compare identical coverage information for each price quote. If the quotes have differing limits it’s impossible to find the best deal for your Pontiac Sunbird. Just a small difference in limits can make a big difference in price. And when comparing auto insurance rates, know that quoting more will improve the odds of getting the best price.

Policy discounts you shouldn’t miss

Car insurance is not cheap, but companies offer discounts to help offset the cost. A few discounts will automatically apply at quote time, but some must be specially asked for before being credited.

  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy qualifies for this discount.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Homeowners Pay Less – Owning a home can save you money due to the fact that maintaining a home requires personal responsibility.
  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • Defensive Driver – Taking part in a defensive driving course can save you 5% or more and easily recoup the cost of the course.

Drivers should understand that some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky. Any amount of discount will bring down the cost of coverage.

Insurance companies that may have these money-saving discounts are:

It’s a good idea to ask every prospective company what discounts are available to you. All car insurance discounts might not be offered in every state.

Insurance agents can help

When choosing adequate coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For instance, these questions can help discover whether your personal situation could use an agent’s help.

  • Should I have combined single limit or split liability limits?
  • Is my 1993 Pontiac Sunbird covered for flood damage?
  • Can I make deliveries for my home business?
  • Are all vehicle passengers covered by medical payments coverage?
  • How can I get high-risk coverage after a DUI?
  • Am I covered if hit by an uninsured driver?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is business property covered if stolen from my car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does liability extend to a camper or trailer?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance 101

Having a good grasp of your policy can help you determine the right coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like doctor visits, rehabilitation expenses, ambulance fees and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Comprehensive coverage – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hail damage, rock chips in glass, hitting a deer and theft. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability auto insurance – This coverage provides protection from damages or injuries you inflict on a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as bail bonds, loss of income, pain and suffering, court costs and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage – 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. Covered claims include hospital bills for your injuries and also any damage incurred to your Pontiac Sunbird.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Collision – This will pay to fix damage to your Sunbird from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sideswiping another vehicle, damaging your car on a curb, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Feed the piggy bank

We’ve covered some good ideas how you can shop for 1993 Pontiac Sunbird insurance online. It’s most important to understand that the more times you quote, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with a smaller regional carrier.

Drivers leave their current company for any number of reasons including policy non-renewal, high rates after DUI convictions, an unsatisfactory settlement offer and policy cancellation. Whatever your reason, switching car insurance companies can be easy and end up saving you some money.

When you buy insurance online, don’t be tempted to reduce needed coverages to save money. In too many instances, someone sacrificed collision coverage only to regret that it was a big mistake. Your focus should be to get the best coverage possible for the lowest price while still protecting your assets.

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