Save on 1993 Pontiac Sunbird Insurance Cost

Looking for better auto insurance rates for your Pontiac Sunbird? Paying for expensive Pontiac Sunbird insurance can take a big chunk out of your funds, especially in this economy. Price shopping at each renewal can help to make ends meet.

Having so many options when it comes to auto insurance, it can be impossible to choose the lowest price auto insurance provider.

Locating the lowest cost protection is easy if you know what you’re doing. If you have a policy now or need new coverage, you can use this information to shop for the lowest rates while maximizing coverage. Vehicle owners only need an understanding of how to compare price quotes online.

Compare insurance rates

Lowering your 1993 Pontiac Sunbird insurance rates can be relatively painless. You just have to take the time getting comparison quotes to find the company with cheaper insurance quotes. Comparing prices online can be done by following the guidelines below.

1. If you are pressed for time, the simplest way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This form saves time by eliminating boring form submissions for every insurance company. One form gets you price quotes direct from many companies.
2. A more time consuming way to find better pricing is going to the website for each individual company to complete a price quote. For sake of this example, we’ll assume you want to get rates from Geico, Liberty Mutual and Progressive. To find out each rate you need to go to each individual site and enter your policy data, which can take a lot of time. For a list of links to insurance companies in your area, click here.
3. The final way to price shop rates is to waste gas driving to local insurance agencies. Shopping for insurance online makes this process obsolete unless you prefer the personal advice only provided by licensed agents. Some companies do allow you to price shop online and have a local agent actually service the policy.

Which method you use is up to you, but try to use the exact same coverage data for each price quote. If each company quotes different coverage information you will not be able to get a fair rate comparison.

Why smart consumers pay less for Pontiac Sunbird insurance

Multiple criteria are taken into consideration when you get your auto insurance bill. Some are pretty understandable such as your driving history, but others are more transparent like your continuous coverage or your financial responsibility.The best way to find cheaper car insurance is to take a look at the different types of things that play a part in calculating car insurance rates. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to lower rates.

• Fewer miles means better premiums – The higher the miles on your Pontiac every year the more it will cost to insure it. Many insurance companies price each vehicle’s coverage determined by how the vehicle is used. Autos used primarily for pleasure use can get a lower rate than vehicles that have high annual mileage. An incorrectly rated Sunbird can result in significantly higher rates. Ask your agent if your car insurance coverage is rated on how each vehicle is driven, because it can save money.
• Prevent theft and save – Selecting a car model that has a built-in theft deterrent system can save you some money. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping vehicle theft.
• Increase coverage deductibles and save – Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your Pontiac from damage. Examples of some claims that would be covered could be collision with another vehicle, vandalism, and rolling your vehicle. Deductibles for physical damage are the amount of money you are willing to pay if a claim is determined to be covered. The more money the insured is willing to pay, the lower your rates will be on Sunbird insurance.
• Don’t let your policy lapse – Not having insurance can get your license suspended and your next policy will cost more because you let your coverage cancel without a new policy in place. Not only will you pay more, failure to provide proof of insurance will get you a license revocation or jail time. Then you may be required to file a SR-22 with your state department of motor vehicles.
• Employer can influence prices – Careers such as judges, social workers and stock brokers tend to pay higher rates than average in part from intense work-related stress and lots of time spent at work. On the other hand, careers like actors, athletes and homemakers have the lowest average rates on Sunbird insurance.
• Lower rates for married couples – Having a spouse can get you a discount on your car insurance policy. It translates into being more financially stable it has been statistically shown that married couples file fewer claims.

Auto insurance discounts help lower rates

Car insurance companies don’t list the entire discount list very clearly, so the below list has both the well known and also the lesser-known credits available to you. If you are not receiving all the discounts available, you are throwing money away.

• ABS Brakes – Cars with anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
• Discount for Good Grades – Maintaining excellent grades can save 20 to 25%. Most companies allow this discount up until you turn 25.
• No Accidents – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance quote when compared with frequent claim filers.
• College Student – Older children living away from home attending college and do not have a car could get you a discount.
• Discount for Swiching Early – A few insurance companies allow discounts for switching to them before your current expiration date. Ten percent is about the average savings.
• E-sign – A handful of auto insurance companies may give you up to $50 for signing up online.
• Buy New and Save – Insuring a new car is cheaper because newer vehicles are generally safer.

One last thing about discounts, most of the big mark downs will not be given the the whole policy. Some only apply to individual premiums such as liability and collision coverage. Even though the math looks like you can get free auto insurance, company stockholders wouldn’t be very happy. But all discounts will lower the amount you have to pay.

Larger auto insurance companies and a partial list of their discounts are included below.

• State Farm offers discounts for multiple autos, accident-free, passive restraint, multiple policy, and good driver.
• American Family includes discounts for bundled insurance, accident-free, defensive driver, good student, TimeAway discount, good driver, and early bird.
• Geico may include discounts for multi-vehicle, daytime running lights, multi-policy, membership and employees, and anti-theft.
• 21st Century policyholders can earn discounts including automatic seat belts, anti-lock brakes, driver training, 55 and older, theft prevention, teen driver, and good student.
• Progressive offers discounts including homeowner, multi-vehicle, online quote discount, multi-policy, online signing, and continuous coverage.

If you need lower rates, check with every insurance company what discounts are available to you. Some credits might not be available to policyholders in your area.

Which is the best car insurance?

When it comes to buying proper insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions might point out if your situation may require specific advice.

• Should I buy additional glass protection?
• What discounts do I qualify for?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I have coverage when making deliveries for my home business?
• Is motorclub coverage worth it?
• Does my insurance cover a custom paint job?
• Is my cargo covered for damage or theft?
• Should I drop comprehensive coverage on older vehicles?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your policy

Understanding the coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average insurance policy.

Auto collision coverage

Collision insurance will pay to fix damage to your Sunbird from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, damaging your car on a curb, crashing into a ditch, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Coverage for liability

Liability insurance will cover damage that occurs to people or other property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as medical services, pain and suffering and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, hail damage and damage from getting keyed. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Pontiac Sunbird.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as dental work, pain medications, funeral costs and hospital visits. They are utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Smart consumers save more

We just presented a lot of techniques to shop for 1993 Pontiac Sunbird insurance online. The key thing to remember is the more companies you get auto insurance rates for, the higher the chance of saving money. Consumers may even find the most savings is with the least-expected company. Some small companies may have significantly lower auto insurance rates on certain market segments than their larger competitors like Progressive or Geico.

Discount 1993 Pontiac Sunbird insurance is possible on the web in addition to many insurance agents, so you should compare both to have the best rate selection. Some car insurance companies do not offer the ability to get a quote online and these small, regional companies provide coverage only through local independent agencies.

Even more information is located by following these links:

• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• What is Gap Insurance? (Insurance Information Insitute)
• Learn About Car Insurance (Geico)