Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Nov 11, 2018

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Trying to find lower car insurance rates for your Pontiac Sunfire? Searching for low-cost insurance for your Pontiac Sunfire could be an all-consuming task, but you can use our car insurance buying tips to find lower rates. There is a better way to compare car insurance rates so we’re going to tell you the best way to compare rates for your Pontiac and find the cheapest rates from local insurance agents and online providers.

It’s important to get comparison quotes yearly since insurance prices trend upward over time. Even if you got the lowest rate on Sunfire insurance two years ago a different company probably has better premium rates today. You’ll find a ton of advice on car insurance online, but we’re going to give you some of the best ways to lower your car insurance rates.

Are you qualifying for every discount?

Buying insurance coverage is not cheap, but you may find discounts to help bring down the price. Larger premium reductions will be automatically applied at quote time, but a few must be manually applied prior to receiving the credit.

  • Accident Waiver – Not really a discount, but companies like GEICO and Liberty Mutual will forgive one accident before they charge you more for coverage so long as you haven’t had any claims prior to the accident.
  • ABS and Traction Control Discounts – Cars that have anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Passive Restraint Discount – Factory options such as air bags and/or automatic seat belt systems may qualify for discounts of more than 20%.
  • Defensive Driver – Passing a course in defensive driving could earn you a small percentage discount and easily recoup the cost of the course.
  • Accident Free – Insureds who avoid accidents and claims pay less in comparison to insureds who have frequent claims or accidents.
  • Discount for Low Mileage – Low mileage vehicles could be rewarded with cheaper rates.

Remember that some of the credits will not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck.

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

  • State Farm discounts include Drive Safe & Save, multiple policy, multiple autos, good driver, accident-free, safe vehicle, and driver’s education.
  • Progressive has savings for good student, online quote discount, multi-vehicle, online signing, homeowner, and continuous coverage.
  • Progressive offers discounts for multi-policy, multi-vehicle, continuous coverage, online signing, good student, and homeowner.
  • MetLife includes discounts for multi-policy, claim-free, accident-free, good driver, and defensive driver.
  • Farm Bureau has discounts for driver training, 55 and retired, multi-vehicle, renewal discount, and safe driver.
  • GEICO may have discounts that include membership and employees, military active duty, anti-theft, defensive driver, daytime running lights, and good student.
  • SAFECO offers discounts including anti-lock brakes, multi-car, accident prevention training, anti-theft, and teen safe driver.

Before buying, ask each company how you can save money. Discounts might not be offered in your area. If you would like to choose from a list of insurance coverage companies that offer discounts, click this link.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to get auto insurance price quotes

Cutting your auto insurance rates can be surprisingly simple. You just have to take time comparing price quotes provided by online insurance companies. Shoppers can get rates by using one of the methods below.

  • The fastest and easiest way to find low rates is a comparison rater form (click to open form in new window). This method keeps you from doing multiple quote forms for every auto insurance company. A single, simple form gets rate comparisons from multiple low-cost companies. Just one form and you’re done.
  • A more time consuming way to analyze rates is spending the time to visit the website for each individual company and request a quote. For sake of this example, let’s say you are doing a rate comparison from State Farm, GEICO and Farmers. To get each rate you have to go to each individual site and enter your information, which can take a lot of time.

    For a handy list of car insurance company links in your area, click here.

  • The least efficient and most time consuming way of comparing rate quotes is to waste gas driving to each insurance agency near you. Comparing online rate quotes can eliminate the need for a local agent unless you want the trained guidance that can only be provided by a licensed insurance agent. You can, however, compare the best prices online but purchase the actual policy in an agency.

Whichever way you choose to compare rates, be sure you’re using identical coverages on every quote. If each company quotes higher or lower deductibles it’s impossible to make an equal comparison.

Pontiac Sunfire insurance prices can be cheaper

Consumers need to have an understanding of some of the things that help calculate the level of your policy premiums. If you have some idea of what impacts premium levels, this allows you to make educated decisions that may result in big savings. Lots of things are used in the calculation when premium rates are determined. A few of the factors are predictable like a motor vehicle report, but some are not as apparent such as your marital status or your vehicle rating.

  • Always keep your insurance coverage in place – Having a lapse in insurance coverage is a sure-fire way to bump up your insurance coverage costs. And not only will your rates increase, not being able to provide proof of insurance can result in a fine, jail time, or a revoked license.
  • Better credit means lower prices – Your credit score is a large factor in determining what you pay for insurance coverage. Drivers with high credit ratings tend to file fewer claims than those with lower ratings. If your credit is not that good, you could be paying less to insure your 1995 Pontiac Sunfire by taking the time to improve your credit score.
  • Advanced alarm systems – Choosing to buy a car that has a built-in theft deterrent system can help lower your rates. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent car theft and help bring rates down.
  • Good drivers pay lower prices – Having a clean driving record has a lot to do with how much you pay for insurance. Good drivers get better prices compared to drivers with tickets. Having a single chargable violation could increase your next policy renewal substantially. People who have flagrant citations like DUI, reckless driving or excessive speeding may be required to maintain a SR-22 with their state’s department of motor vehicles in order to legally drive.

When in doubt talk to an agent

When choosing proper insurance coverage for your vehicles, there is no single plan that fits everyone. Every insured’s situation is different.

These are some specific questions might point out if your situation might need an agent’s assistance.

  • When can I cancel my policy?
  • When should I remove comp and collision on my 1995 Pontiac Sunfire?
  • Are all vehicle passengers covered by medical payments coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Are my friends covered when driving my car?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Coverages available on your insurance policy

Having a good grasp of a insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability auto insurance

This coverage protects you from damage that occurs to other’s property or people in an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, emergency aid, structural damage and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses like hospital visits, X-ray expenses and dental work. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision coverage pays for damage to your Sunfire resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like damaging your car on a curb, sustaining damage from a pot hole, driving through your garage door, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

This pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as theft, hitting a deer, rock chips in glass and damage from getting keyed. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Pontiac Sunfire.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Do the work, save more money

Cheaper auto insurance can be found online as well as from independent agents, so get free car insurance quotes from both of them to have the best selection. A few companies do not provide online rate quotes and these regional carriers only sell coverage through independent insurance agents.

People change insurance companies for any number of reasons including delays in responding to claim requests, lack of trust in their agent, being labeled a high risk driver or unfair underwriting practices. Whatever your reason, switching companies is pretty simple and you could end up saving a buck or two.

As you restructure your insurance plan, it’s very important that you do not buy poor coverage just to save money. In many instances, someone sacrificed collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy a smart amount of coverage at the best price, but don’t skip important coverages to save money.

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