2003 Pontiac Sunfire Insurance Rates – 10 Savings Tips

Want the cheapest car insurance rates for your Pontiac Sunfire? Sick and tired of being strong-armed to insure your Pontiac every month? You’re in the same situation as many other drivers. Numerous insurers battle for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute cheapest price

Free Quotes for Car Insurance

All major car insurance companies like Progressive, Allstate and Geico give coverage price quotes online. Obtaining pricing is quite easy as you simply enter the coverage amounts you desire as requested by the quote form. After you submit the form the system will order your driving record and credit report and returns pricing information. This makes comparing rates easy, but having to visit a lot of sites and complete many quote forms is not the best way to spend an afternoon. But it is imperative to do this if you want to find lower prices.

There is an easier way!

The easiest way to compare rates uses one simple form that analyzes rates from several companies at one time. The form is fast, requires less work, and makes online price comparison much more enjoyable and efficient. Once the form is submitted, it is quoted and you can select any of the returned quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. It takes less than 15 minutes and can result in significant savings.

If you want to find out how much you’re overpaying now, click here to open in new window and fill out the form. If you have coverage now, it’s recommended you type in the coverages identical to your current policy. This way, you will get a fair comparison based on the exact same insurance coverage.

Save big with these ten discounts

Companies offering auto insurance don’t always advertise every discount in a way that’s easy to find, so we took the time to find some of the more common and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Federal Government Employee – Employees or retirees of the government can save as much as 8% on Sunfire coverage with certain companies.
  • Sign Online – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
  • Claim Free – Claim-free drivers pay much less compared to bad drivers.
  • Good Students Pay Less – This discount can save 20 to 25%. This discount can apply up to age 25.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Memberships – Participating in a qualifying organization could qualify you for a break on your policy on Sunfire coverage.
  • Auto/Life Discount – Companies who offer life insurance give lower rates if you buy life insurance from them.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as comp or med pay. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way.

For a list of insurers offering car insurance discounts, click here.

But I don’t know anything about car insurance

When choosing the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Each situation is unique so your insurance needs to address that. For example, these questions may help you determine whether you could use an agent’s help.

  • When should I buy a commercial auto policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • How can I find cheaper teen driver insurance?
  • How do I file an SR-22 for a DUI in my state?
  • Does my policy cover me when driving someone else’s vehicle?
  • When should I not file a claim?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered when using my vehicle for business?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, free and you can get the answers you need.

Detailed coverages of your insurance policy

Understanding the coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most insurance policies.

Comprehensive coverages

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from flooding, rock chips in glass, hitting a deer and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision protection

Collision insurance covers damage to your Sunfire resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with another moving vehicle, colliding with a tree, crashing into a ditch, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses for things like nursing services, X-ray expenses, chiropractic care and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto liability

Liability coverage will cover damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like court costs, loss of income and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Uninsured and underinsured coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Pontiac Sunfire.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Smart consumers save more

You just learned some good ideas how you can save on 2003 Pontiac Sunfire insurance. The most important thing to understand is the more companies you get rates for, the higher your chance of finding lower rates. You may even find the most savings is with a company that doesn’t do a lot of advertising. These smaller insurers may cover specific market segments cheaper than their larger competitors like Allstate, Geico and Progressive.

As you restructure your insurance plan, it’s not a good idea to reduce coverage to reduce premium. In too many instances, someone sacrificed comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. Your aim should be to get the best coverage possible at the best price while not skimping on critical coverages.

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