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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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

If you’re looking for lower-priced insurance, are you frustrated by the wide range of insurance coverage providers? consumers have such a vast assortment of providers available that it can be a real hassle to find a more affordable company.

You need to price shop coverage before your next renewal since rates are variable and change quite frequently. If you had the lowest rate on Sunfire insurance last year you will most likely find a better price today. Forget all the misinformation about insurance coverage because you’re about to find out the proper way to find better coverage at a better price.

Choosing the best insurance company for you is not that difficult. Just about everyone who has to buy insurance will be able to find better rates. Although vehicle owners must comprehend how the larger insurance companies determine prices because it can help you find the best coverage.

Auto insurance policy discounts you can’t miss

Some companies don’t always advertise all available discounts very well, so the list below gives a summary of both well-publicized and also the more inconspicuous savings tricks you should be using when you buy car insurance online. If you aren’t receiving every discount possible, it’s possible you qualify for a lower rate.

  • Passenger Safety Discount – Factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Theft Prevention System – Vehicles that have factory anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
  • Pay Early and Save – If you pay your bill all at once instead of monthly or quarterly installments you can avoid the installment charge.
  • Bundle and Save – If you can bundle your auto and homeowners insurance with the same insurance company you could earn a discount of at least 10 to 15 percent or more.
  • Discounts for Multiple Vehicles – Buying coverage for multiple cars with the same auto insurance company can reduce the rates for all insured vehicles.

Discounts save money, but please remember that most of the big mark downs will not be given the the whole policy. A few only apply to individual premiums such as comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

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

  • Progressive has savings for online signing, continuous coverage, multi-policy, multi-vehicle, online quote discount, and good student.
  • GEICO discounts include good student, driver training, emergency military deployment, anti-lock brakes, military active duty, defensive driver, and daytime running lights.
  • State Farm offers discounts including driver’s education, student away at school, Steer Clear safe driver discount, safe vehicle, and passive restraint.
  • Esurance includes discounts for Pac-12 alumni, homeowner, safety device, DriveSense, and anti-theft.
  • The Hartford may have discounts that include driver training, anti-theft, defensive driver, good student, and air bag.

Before buying, ask all companies you are considering which discounts they offer. A few discounts may not apply to policies in your area. To find insurance companies with the best auto insurance discounts, click this link.

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

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Shop insurance coverage online

When shopping for the cheapest car insurance quotes, there are a couple of ways to compare quotes from companies that offer insurance coverage in your state. The easiest way to compare 2003 Pontiac Sunfire insurance prices is to use the internet to compare rates. This is very easy and can be done in several different ways.

  1. The easiest and least time consuming way to get quotes is a comparison rater form click to view form in new window. This type of form prevents you from having to do a different quote for every prospective company. Taking the time to complete one form gets prices estimates direct from many companies. This is perfect if you don’t have a lot of time.
  2. A harder way to find more affordable insurance is going to the website of each company and get a separate price quote. For example, we’ll assume you want to compare rates from Progressive, Farmers and Travelers. You would need to go to each individual site and type in your information over and over, which is why first method is reommended.

    To view a list of companies in your area, click here.

  3. The least recommended method to comparison shop is going to all the different insurance agencies. Comparing rate quotes online reduces the need to sit down with an agent unless you’re the type of person who wants the extra assistance of a local agency. If you prefer, some companies allow you to find lower rates online and get advice from an agent in your area.

The approach you take is up to you, just be sure to compare the exact same coverage limits and deductibles for each price quote. If you use mixed coverages it will be nearly impossible to determine the best price for your Pontiac Sunfire. Just slight variations in coverage limits could skew the results. And when comparison shopping, comparing a wide range of rates provides better odds of finding the best offered rates. Some companies don’t provide online rate quotes, so you also need to get price estimates from them as well.

Insurance agents can help

When it comes to buying the right insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine if your situation could use an agent’s help.

  • Do I need medical payments coverage since I have good health insurance?
  • Do I need motorclub coverage?
  • Should I buy additional glass protection?
  • Will I lose any money if I cancel my policy before it expires?
  • What is an SR-22 filing?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What is the difference between comprehensive and collision coverage?
  • Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverages and their meanings

Understanding the coverages of auto insurance helps when choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverages – Collision insurance covers damage to your Sunfire resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a ditch, backing into a parked car, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability coverage – This coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like emergency aid, attorney fees, structural damage and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive auto insurance – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, theft, damage from a tornado or hurricane and damage from getting keyed. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for short-term medical expenses such as dental work, funeral costs, EMT expenses, nursing services and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Pontiac Sunfire.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

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

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Buy Smart and Save

You just read quite a bit of information on how to lower your 2003 Pontiac Sunfire insurance prices. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the best price on auto insurance is with the smaller companies.

Lower-priced auto insurance can be bought online and also from your neighborhood agents, so you need to shop car insurance with both in order to have the best price selection to choose from. Some insurance companies may not offer online quoting and most of the time these smaller providers work with independent insurance agents.

Insureds change insurance companies for a number of reasons such as delays in responding to claim requests, unfair underwriting practices, policy non-renewal and even poor customer service. Regardless of your reason for switching companies, finding the right auto insurance provider can be less work than you think.

To read more, link through to the following helpful articles: