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: Oct 5, 2015

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Trying to find cheaper insurance for a Pontiac Sunfire can turn out to be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to compare insurance rates and you need to know the quickest way to quote coverages on a Pontiac and get the best price possible either online or from local insurance agents.

Finding car insurance

Getting a cheaper price on 1997 Pontiac Sunfire insurance is actually easier than you may think. Drivers just need to take time comparing free auto insurance quotes online with multiple companies. This is very easy and can be done by using one of the methods below.

One of the fastest ways to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This type of form prevents you from having to do separate quote forms for every prospective company. One form submission gets prices estimates instantly. Recommended for those who want to invest the least amount of time.

Another way to compare prices requires you to visit the website for every company you want to comare to complete their respective quote request forms. For example, let’s say you want to see prices from USAA, Farmers and Progressive. You would have to navigate to each company’s site and enter your policy data, which can get rather old. To view a list of companies in your area, click here.

The old school way to find cheaper rates is to waste gas driving to local insurance agencies. Shopping for car insurance online eliminates this option unless you require the extra assistance that only a licensed agent can provide. It is possible with some companies comparison shop your insurance online but have a local agent actually write the policy.

It’s your choice how you get your quotes, but try to keep identical quote information for every quote you compare. If you enter unequal deductibles or liability limits you will not be able to make an equal comparison.

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

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Insurance coverage discounts help slash rates

Insuring your fleet can be pricey, but you may qualify for discounts that may help make it more affordable. Some of these disounts will be visible when you get a quote, but some must be requested specifically in order for you to get them.

  • New Car Discount – Buying a new car instead of a used car can save you some money since newer vehicles are generally safer.
  • Waiver for an Accident – This one isn’t a discount, but a handful of insurance companies will let one accident slide before hitting you with a surcharge so long as you are claim-free for a particular time prior to the accident.
  • College Student – Youth drivers who live away from home at college and do not take a car to college may qualify for this discount.
  • Telematics Devices – Policyholders that allow their company to analyze their driving habits by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts as long as they are good drivers.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to buckle their seat belts may be able to save a few bucks off the PIP or medical payment premium.
  • ABS Braking Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • No Claim Discounts – Insureds who avoid accidents and claims get the best insurance coverage rates in comparison with bad drivers.

Policy discounts save money, but most credits do not apply to all coverage premiums. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like you can get free auto insurance, you’re out of luck.

A few popular companies and some of the discounts can be read below.

  • Farm Bureau discounts include renewal discount, multi-policy, good student, 55 and retired, driver training, youthful driver, and safe driver.
  • Liberty Mutual offers discounts including newly retired, teen driver discount, good student, exclusive group savings, preferred payment discount, new graduate, and multi-car.
  • State Farm has discounts for passive restraint, anti-theft, Drive Safe & Save, good student, accident-free, multiple policy, and defensive driving training.
  • Auto-Owners Insurance may have discounts that include multi-policy, good student, group or association, company car, safe driver, and mature driver.
  • GEICO offers premium reductions for five-year accident-free, federal employee, multi-vehicle, emergency military deployment, and military active duty.
  • SAFECO has savings for teen safety rewards, safe driver, teen safe driver, homeowner, bundle discounts, multi-car, and anti-theft.

Double check with all companies you are considering the best way to save money. Some discounts may not apply to policies in your area. To choose providers who offer cheap insurance coverage quotes, click here to view.

Components of your Pontiac Sunfire insurance premiums

Many factors are part of the equation when you get your auto insurance bill. Some are obvious like your driving record, although some other factors are not quite as obvious such as your marital status or your financial responsibility.

  • Inexpensive frequent car insurance claims are not good – Companies give discounts to drivers who do not rely on their insurance for small claims. If you are a frequent claim filer, you can definitely plan on higher rates. Your insurance policy is intended for more catestrophic claims.
  • Your address can modify premiums – Living in a small town has it’s advantages when shopping for auto insurance. Lower population means fewer accidents as well as less vandalism and auto theft. People in densly populated areas regularly have congested traffic and higher rates of accident claims. More time commuting statistically corresponds to a higher accident and claim rate.
  • Use one insurance company and save – Lots of companies will give a discount to people that have more than one policy. It’s known as a multi-policy discount. If you currently are using one company, drivers will still want to compare other company rates to make sure you are getting the best deal.
  • Liability protection is critical – Liability insurance provides coverage if you are ruled to be at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides you with a defense in court which can cost a lot. Liability insurance is quite affordable compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
  • Optional features impact prices – Driving a car with anti-theft technology or alarm system can get you a discount on your car insurance. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent auto theft and help lower rates.

Which is the best auto insurance?

When buying coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that may help you determine whether you will benefit from professional help.

  • Can I afford to buy a different vehicle if my 1997 Pontiac Sunfire is totaled?
  • Do I have coverage if my license is suspended?
  • Does my insurance cover my expensive audio equipment?
  • Can I get a multi-policy discount?
  • How high should deductibles be on a 1997 Pontiac Sunfire?
  • Is motorclub coverage worth it?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

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

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Why you might not save $401 a year

Consumers get pounded daily by advertisements for the lowest price car insurance from companies such as Allstate, GEICO and Progressive. They all convey the message that you can save if you switch your policy.

That’s great but how can every company offer you a better deal? It’s all in how they say it.

Different companies have a certain “appetite” for the right customer that will be a good risk. One example of a desirable insured might be between the ages of 30 and 45, owns their home, and drives newer vehicles. A propective insured who fits that profile will get low prices and most likely will save money with a new company.

Insureds who may not quite match these criteria will be charged a higher rate which results in the customer buying from a different company. If you pay close attention to the ads, they say “customers that switch” not “all people who quote” will save that much if they switch. That is how insurance companies can confidently claim big savings.

This illustrates why it’s extremely important to compare as many free auto insurance quotes as you can. Because you cannot predict which car insurance company will fit you best based on your risk profile.

Specific coverages for a 1997 Pontiac Sunfire

Knowing the specifics of a auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverages – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like vandalism, fire damage, damage from getting keyed, hitting a bird and a broken windshield. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverage – Liability coverage provides protection from damage that occurs to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for 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. Your policy might show values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as structural damage, court costs and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, crashing into a ditch, scraping a guard rail, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries 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. So UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Coverage for medical payments – Med pay and PIP coverage provide coverage for bills for pain medications, nursing services, prosthetic devices and funeral costs. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Be a money saver!

People change insurance companies for a variety of reasons including extreme rates for teen drivers, high rates after DUI convictions, questionable increases in premium and lack of trust in their agent. Regardless of your reason for switching companies, finding a new company is not as difficult as it may seem.

We just presented quite a bit of information on how to save on 1997 Pontiac Sunfire insurance. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers could even find that the biggest savings come from a smaller regional carrier.

As you prepare to switch companies, it’s a bad idea to buy less coverage just to save a little money. In many cases, someone dropped liability coverage limits only to discover later that it was a big mistake. Your objective should be to buy a smart amount of coverage at the best cost but still have enough coverage for asset protection.

To learn more, take a look at the resources below: