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Pontiac Sunfire Insurance Rates

Drivers have lots of options when buying insurance for your Pontiac vehicle. You can either buy through an agent or go online to check prices from car insurance companies. Comparing car insurance from online rate quotes can be fast and easy, plus you can save money.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of car insurance companies offering insurance. There are several ways to get quotes from different insurance companies. The recommended way to find competitive Sunfire insurance cost involves getting comparison quotes online. This can be done by completing this short form.

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Rates are determined by...

Car insurance premiums for a Pontiac Sunfire can be significantly different depending on several factors. Including but not limited to:

  • Higher performance Sunfire vehicles cost more
  • How many accidents you have had
  • Home and auto can earn discounts
  • Use of your vehicle
  • Add-on coverages such as rental reimbursement
  • Your occupation
  • The level of coverage
  • Home ownership saves money

An additional factor that can impact Sunfire insurance rates is the year of the vehicle. Used vehicles have a lower value than newer models so repair costs tend to be lower which may result in lower rates. Conversely, more recent Pontiac vehicles may have safety features such as adaptive cruise control, anti-lock brakes, and active head restraints that may help give discounted rates.

To get a better idea how much rates will be for your vehicle, select the year of your Sunfire from the list below.

Liability insurance - This coverage will cover damage or injury you incur to other people or property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverage - This coverage will pay to fix damage to your Pontiac caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. Sunfire collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive protection - Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Pontiac Sunfire Insurance Rates?