Buyers have options when searching for low-cost Pontiac Sunfire insurance. You can either spend your time driving around trying to get quotes or leverage the internet to make rate comparisons.
There is a right way and a wrong way to find auto insurance online so we’re going to tell you the absolute fastest way to get price quotes for a new or used Pontiac and get the lowest possible price.
Consumers should take time to compare prices periodically because insurance prices change quite often. Even if you got the best quotes on Sunfire insurance at your last renewal you can probably find a lower rate today. Forget all the misinformation about auto insurance because I’m going to teach you how to use the internet to save on auto insurance.
There are several ways to compare insurance quotes, but some are more efficient than others. You can waste a lot of time talking to agents in your area, or you can stay home and use the internet to get rates in a matter of minutes.
Most car insurance companies take part in a program that enables customers to enter their policy data once, and each participating company can give them a price based on that information. This system prevents you from having to do form submissions for each company you want a rate for. To compare rates using this form now click here to open in new window.
One minor caviat to comparing rates this way is you are unable to specify which companies to receive prices from. So if you prefer to choose from a list of companies for rate comparison, we have assembled a list of companies who write insurance in your area. Click here to view list.
Whichever method you choose, make sure you use identical coverage information on every quote. If you compare different values for each quote you will not be able to truly determine the lowest rate.
Some companies don’t necessarily list every possible discount very well, so we researched a few of the more common and the more hidden insurance coverage savings.
A little note about advertised discounts, most credits do not apply the the whole policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. Despite the appearance that you could get a free insurance coverage policy, companies don’t profit that way.
A few of the larger companies and some of their more popular discounts include:
If you need lower rates, check with each company which discounts they offer. Some of the discounts discussed earlier may not apply to policies in your area. If you would like to view insurance companies that offer discounts, follow this link.
When choosing coverage, there is no single plan that fits everyone. Each situation is unique.
For instance, these questions may help you determine whether you would benefit from professional advice.
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.
Understanding the coverages of your insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Sunfire.
Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.
Liability auto insurance
Liability coverage provides protection from injuries or damage you cause to people or other property. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability insurance covers things such as medical services, emergency aid, court costs, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as dental work, X-ray expenses, nursing services and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible
Comprehensive auto coverage
Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like damage from flooding, hail damage, vandalism and fire damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for things like sideswiping another vehicle, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also increase the deductible in order to get cheaper collision rates.