2003 Pontiac Sunfire Car Insurance Rates – 6 Tips to Save

Trying to find better car insurance rates for your Pontiac Sunfire? Searching for better insurance prices for a Pontiac Sunfire can turn out to be difficult, but you can use the following methods to find lower rates.

There is a better way to shop for car insurance so we’re going to tell you the proper way to get price quotes on a Pontiac and get the lowest possible price from local insurance agents and online providers.

Compare auto insurance rate quotes online

Effectively comparing auto insurance prices can take time and effort if you don’t understand the most efficient way to do it. You can waste a lot of time driving to insurance agencies in your area, or you could save time and use the internet to get pricing more quickly.

Many of the larger companies belong to an insurance system where prospective buyers submit their information once, and every company returns a rated price. This prevents consumers from doing quote requests for each company.

To participate in this free quote system, click here (opens in new window).

The single downside to pricing coverage this way is you can’t choose the providers to get pricing from. If you wish to select from a list of companies to request quotes from, we have a listing of low cost auto insurance companies in your area. Click here to view list.

Whichever way you choose to compare rates, make absolute certain that you use the same quote data on every price quote you get. If your comparisons have mixed coverages it will be impossible to determine which rate is truly the best.

Save a ton by receiving these six discounts

Companies that sell car insurance don’t always advertise all disounts in an easy-to-find place, so below is a list some of the best known and also the lesser-known discounts you could be receiving when you buy insurance online.

• College Student Discount – Any of your kids who live away from home at college and won’t have access to an insured vehicle could qualify for this discount.
• Multiple Policy Discount – If you can combine your homeowners and auto policy and insure them both with the same insurance company they may give you a discount of nearly 15% which can help you find cheap insurance.
• Government Employee Discount – Simply working for the federal government could cut as much as 10% off on Sunfire coverage with some insurance coverage companies.
• Data Collection Discounts – Policyholders that allow their company to scrutinize driving habits remotely such as Progressive’s Snapshot could save a few bucks as long as the data is positive.
• Discounts for Good Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on Sunfire coverage than drivers with accidents.
• Anti-lock Brakes – Cars, trucks, and SUVs with anti-lock braking systems are safer to drive so companies give up to a 10% discount.

As a sidenote, most discounts do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you could get a free insurance coverage policy, it doesn’t quite work that way.

Popular insurance coverage companies and some of the discounts are outlined below.

• Geico has savings for defensive driver, five-year accident-free, seat belt use, daytime running lights, anti-theft, emergency military deployment, and good student.
• MetLife includes discounts for claim-free, defensive driver, good student, good driver, multi-policy, accident-free
• State Farm may have discounts that include Drive Safe & Save, driver’s education, multiple autos, multiple policy, and passive restraint.
• Progressive offers discounts for online signing, multi-policy, online quote discount, good student, homeowner, multi-vehicle, and continuous coverage.
• Mercury Insurance has discounts for type of vehicle, low natural disaster claims, multi-policy, ease of repair, professional/association, annual mileage, and accident-free.
• 21st Century policyholders can earn discounts including automatic seat belts, driver training, anti-lock brakes, teen driver, air bags, and student driver.
• Allstate may include discounts for teenSMART discount, eSmart discount, anti-theft, safe driver, multi-policy, good student, and senior citizen.

Check with each insurance company which discounts you qualify for. All car insurance discounts may not apply to policies in your area.

Your auto insurance coverage should be tailored to you

When it comes to buying the best auto insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions can help discover if your insurance needs may require specific advice.

• How much underlying liability do I need for an umbrella policy?
• Does insurance cover damages from a DUI accident?
• Is a new car covered when I drive it off the dealer lot?
• When can I cancel my policy?
• Am I covered when using my vehicle for business?
• Am I covered if hit by an uninsured driver?
• When does my teenage driver need to be added to my policy?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Can you really save $401 a year?

Consumers can’t avoid all the ads that promise big savings for switching by 21st Century, Allstate and State Farm. All the companies convey the message that you can save if you switch your insurance policy to them.

How does every insurance company claim to save you money? You have to listen carefully.

Companies quote the lowest rates for the type of driver that is profitable for them. For example, a preferred risk might be over the age of 40, carries high limits, and the vehicle is rated for pleasure use. Any customer who fits that profile will get low car insurance rates and have a good chance to save if they switch.

Drivers who fall short of the requirements will be quoted higher prices and this results in the prospect going elsewhere. If you pay close attention to the ads, they say “customers that switch” not “everyone that quotes” can save as much as they claim. That is how companies can truthfully make those claims.

This really drives home the point why you really should compare price quotes frequently. It is impossible to predict the company that will be your best fit.

Auto insurance coverage considerations

Understanding the coverages of auto insurance aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive coverages

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, a tree branch falling on your vehicle and falling objects. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

This will pay to fix damage to your Sunfire resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a mailbox, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability coverages

Liability coverage provides protection from damage that occurs to other people or property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for things such as medical expenses, pain and suffering, court costs and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like rehabilitation expenses, EMT expenses, doctor visits and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Have the Midas touch

People switch companies for any number of reasons including high rates after DUI convictions, delays in paying claims, an unsatisfactory settlement offer and questionable increases in premium. It doesn’t matter what your reason, finding the right car insurance provider is not as difficult as it may seem.

We’ve covered a lot of information how to save on 2003 Pontiac Sunfire insurance. The most important thing to understand is the more times you quote, the better your chances of lowering your premium rates. Consumers could even find that the biggest savings come from a small local company.

As you prepare to switch companies, it’s a bad idea to reduce coverage to reduce premium. In too many instances, an insured cut collision coverage to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at the best possible price, but do not sacrifice coverage to save money.

To read more, feel free to browse the articles below:

• Your Car has been Stolen: Now What? (Allstate)
• What Does No-Fault Insurance Cover? (Allstate)
• What is Gap Insurance? (Insurance Information Insitute)
• Rollover Crash FAQ (iihs.org)
• Vehicle Safety Ratings (iihs.org)