Searching for lower car insurance rates for your Pontiac Sunfire? Wish you could get out of an underperforming, overpriced car insurance policy? It’s a common feeling and many consumers feel financially strained by their car insurance policy.
Insurance companies such as Progressive, GEICO and Farmers Insurance all promote huge savings with advertising and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.
You should take the time to do price comparisons before your next renewal because prices tend to go up over time. Despite the fact that you may have had the best price on Sunfire insurance at your last renewal you can probably find a better rate quote now. There is lot of inaccurate information about car insurance out there, but in this article, you’re going to get some great ideas on how to lower your car insurance bill.
If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. Finding the best rates is quite easy. But drivers need to have an understanding of how companies market on the web because it can help you find the best coverage.
Consumers need to have an understanding of some of the things that play a part in calculating the level of your policy premiums. If you know what determines premiums, this enables you to make decisions that may result in big savings. Lots of factors are used in the calculation when you quote your car insurance policy. Most are fairly basic such as traffic violations, although some other factors are more transparent such as your marital status or how safe your car is.
Some insurance providers don’t always advertise every available discount very well, so we researched some of the best known and also the lesser-known discounts that may be available.
As a footnote on discounts, some credits don’t apply to the entire policy premium. Most only cut individual premiums such as medical payments or collision. Even though it may seem like all those discounts means the company will pay you, it doesn’t quite work that way.
For a list of providers that offer the discounts shown above, click here.
When it comes to choosing coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions could help you determine if your insurance needs may require specific advice.
If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.
Learning about specific coverages of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most insurance policies.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for X-ray expenses, dental work, doctor visits and prosthetic devices. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers 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
This will cover damage that occurs to other’s property or people that is your fault. It protects you against claims from other people. It does not cover damage to your own property or vehicle.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.
Liability coverage protects against things like bail bonds, repair costs for stationary objects, medical expenses and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.
Collision coverage protection
Collision insurance will pay to fix damage to your Sunfire resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as rolling your car, damaging your car on a curb, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.
Uninsured and underinsured coverage
Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 1999 Pontiac Sunfire.
Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as rock chips in glass, damage from a tornado or hurricane, hail damage and a broken windshield. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Budget-friendly car insurance can be bought online in addition to local insurance agencies, and you should compare price quotes from both to have the best rate selection. There are still a few companies who may not have rate quotes online and these smaller providers work with independent agents.
When shopping online for car insurance, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced physical damage coverage and learned later that the savings was not a smart move. Your goal is to buy a smart amount of coverage at a price you can afford but still have enough coverage for asset protection.
Additional car insurance information is available below: