How Much Does 1998 Pontiac Sunfire Car Insurance Cost?

Are you confused by the crazy number of insurance companies? You’re not the only one! You have so many options that it can easily become more work than you anticipated to compare prices.

It’s important to shop coverage around on a regular basis due to the fact that insurance rates change regularly. Even if you think you had the best rates for Sunfire insurance two years ago other companies may now be cheaper. There is a lot of bad information regarding insurance on the web, but we’re going to give you some excellent ideas to find affordable insurance.

Locating the lowest cost coverage is simple if you know the tricks. In a nutshell, every vehicle owner who has to buy insurance coverage will most likely be able to find better rates. But consumers need to learn the way insurance companies price insurance differently and take advantage of how the system works.

Which Auto Insurance is Cheapest?

All the larger auto insurance companies such as Allstate, Geico and Progressive give coverage prices on their websites. Getting online rates is pretty easy as you just enter your coverage preferences as detailed in the form. Once entered, their system orders reports for credit and driving violations and gives you a price quote.

Online quotes makes comparing rates easy, but the time it takes to visit a lot of sites and fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to have as many quotes as possible in order to find the lowest price.

Isn’t there an easier way to compare rates?

The quickest way to get multiple rate quotes makes use of a single form to return rates from a bunch of companies at once. The form is fast, reduces the work, and makes rate comparisons much simpler. Immediately after you send the form, your coverage is rated and you can select any or none of the quotes returned.

If a lower price is quoted, you can simply submit the application and purchase the new policy. This process can be completed in a matter of minutes and may result in a nice savings.

To find out how much you’re overpaying now, click here to open in a new tab and submit your coverage information. If you have your current policy handy, we recommend you replicate the insurance coverages exactly as shown on your declarations page. Doing this guarantees you will have a rate comparison for the exact same coverage.

Don’t overlook these discounts

Insurance can cost an arm and a leg, but you may find discounts to help offset the cost. Certain discounts will be triggered automatically at the time you complete a quote, but a few need to be requested specifically before you will receive the discount.

  • Driver Safety – Taking part in a defensive driving course could save 5% or more if you qualify.
  • No Claims – Drivers with accident-free driving histories pay less when compared to frequent claim filers.
  • Good Student – This discount can get you a discount of up to 25%. The discount lasts until age 25.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for a discount up to 10% for Sunfire insurance.
  • Club Memberships – Belonging to a qualifying organization could trigger savings when buying car insurance for Sunfire insurance.

It’s important to note that some credits don’t apply to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. So when the math indicates all those discounts means the company will pay you, you won’t be that lucky. But all discounts will bring down the cost of coverage.

Insurance companies that may have these discounts may include but are not limited to:

It’s a good idea to ask each company which discounts they offer. All car insurance discounts might not apply everywhere.

Impacting insurance rates for a Pontiac Sunfire

Smart consumers have a good feel for some of the elements that help determine the rates you pay for car insurance. Knowing what impacts premium levels empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Policy add-ons can waste money – There are a ton of add-on coverages that can waste your money if you aren’t careful. Things like rental car reimbursement, accident forgiveness and additional equipment coverage may be costing you every month. These coverages may sound good initially, but now you might not need them so remove them from your policy.
  • Liability coverage protects you – Liability coverage provides coverage in the event that you are found liable for damages from an accident. Liability insurance provides legal defense coverage which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Multiple policies with one company can save – The majority of insurance companies will give a discount to people who have multiple policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to shop around to confirm you are receiving the best rates possible.
  • How credit affects car insurance rates – Having a bad credit score is a important factor in your rate calculation. If your credit is lower than you’d like, you could pay less to insure your 1998 Pontiac Sunfire by improving your rating. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have poor credit.
  • A clean driving record saves money – A bad driving record has a lot to do with how much you pay for insurance. Drivers with clean records tend to pay less for car insurance than bad drivers. Even one speeding ticket may increase your cost forty percent or more. If you have serious violations such as hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
  • Bump up deductibles to save – The deductibles define the amount you are willing to pay out-of-pocket before a claim is paid by your company. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply could be running into the backend of another car, damage from fire, and burglary. The higher the amount you are required to pay out-of-pocket, the lower your rates will be for Sunfire insurance.

Is my situation unique?

When it comes to choosing coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

For instance, these questions might help in determining if you would benefit from an agent’s advice.

  • Do I need PIP coverage since I have good health insurance?
  • Where can I get insurance after a DUI in my state?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I better off with higher deductibles on my 1998 Pontiac Sunfire?
  • Does my 1998 Pontiac Sunfire qualify for pleasure use?
  • Is motorclub coverage worth it?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form.

Specifics of your insurance policy

Knowing the specifics of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Liability coverages

This coverage provides protection from damage or injury you incur to other people or property. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like funeral expenses, legal defense fees, emergency aid, structural damage and bail bonds. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, hitting a deer, theft, a broken windshield and fire damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage

Collision insurance will pay to fix damage to your Sunfire from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a building, sideswiping another vehicle, crashing into a ditch, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses such as funeral costs, prosthetic devices and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Pontiac Sunfire.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Be a penny pincher

Consumers leave their current company for a variety of reasons including lack of trust in their agent, high prices, unfair underwriting practices and policy non-renewal. No matter why you want to switch, switching companies is not as hard as you think.

Affordable 1998 Pontiac Sunfire insurance can be bought from both online companies in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. Some auto insurance companies do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

We covered some good ideas how you can shop for insurance online. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. Drivers may discover the best price on auto insurance is with a smaller regional carrier.

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