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 lower auto insurance rates for your Pontiac Sunfire? Searching for low-cost insurance for a Pontiac Sunfire could be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to compare auto insurance rates so we’re going to tell you the proper way to compare rates for a new or used Pontiac and get the best price possible from both online companies and local agents.

Smart consumers take time to get comparison quotes before your next renewal since insurance rates tend to go up over time. If you had the best rate on Sunfire insurance six months ago there is a good chance you can find better prices now. There are a lot of ways to save on auto insurance on the internet, but in just a couple of minutes you can learn the best ways to find affordable auto insurance.

Discounts to earn cheap insurance rates

Insurance is not an enjoyable expense, but companies offer discounts that can help lower your rates. Some discounts apply automatically when you complete an application, but some discounts are required to be specifically requested before they will apply.

  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy some life insurance in addition to your auto policy.
  • College Student Discount – Kids who live away from home at college and do not take a car to college may qualify for this discount.
  • Senior Discount – Mature drivers could receive a discount up to 10% on Sunfire insurance.
  • ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and qualify for as much as a 10% discount.
  • More Vehicles More Savings – Purchasing coverage when you have several vehicles with the same company may reduce the rate for each vehicle.
  • Defensive Driving Course – Successfully completing a defensive driving class could earn you a small percentage discount and also improve your driving technique.
  • Discount for Home Ownership – Owning your own home or condo can get you a discount because owning a home requires personal responsibility.
  • Discount for Swiching Early – Some insurance companies give discounts for signing up early. You could save around 10% when you buy auto insurance online.
  • Good Student – A discount for being a good student may save as much as 25% on a auto insurance quote. The discount lasts well after school through age 25.

You should keep in mind that many deductions do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like you could get a free insurance policy, companies don’t profit that way.

To choose insurers that offer some of these discounts, follow this link.

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

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How to compare car insurance rate quotes

Performing a rate comparison can take hours if you don’t utilize the most efficient way. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you can stay home and use the web to get the quickest rates.

Many of the larger companies belong to an insurance system where prospective buyers send in one quote, and at least one company returns a rated price. This prevents consumers from doing quote requests for each company.

To participate in this free quote system, click here (opens in new window).

The single downside to doing it this way is you cannot specify which providers you want pricing from. If you would rather choose specific insurance companies to request quotes from, we have a page of car insurance companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but ensure you are comparing nearly identical coverages and limits for every quote you compare. If you are comparing different limits and deductibles on each one then you won’t be able to find the best deal for your Pontiac Sunfire.

Tailor your insurance coverage to you

When choosing adequate coverage, there is no cookie cutter policy. Every insured’s situation is different.

For instance, these questions may help highlight whether your personal situation might need professional guidance.

  • Do I have coverage when pulling a U-Haul trailer?
  • Is extra glass coverage worth it?
  • Can I make deliveries for my home business?
  • Should I put collision coverage on all my vehicles?
  • What is no-fault insurance?
  • How do I buy GAP insurance?
  • When can my company non-renew my policy?
  • If my pet gets injured in an accident are they covered?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverage considerations

Learning about specific coverages of a auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive (Other than Collision) – This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a broken windshield, theft, hail damage, fire damage and rock chips in glass. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a building, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Liability car insurance – Liability insurance will cover injuries or damage you cause to other people or property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for things such as emergency aid, medical services and attorney fees. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like nursing services, doctor visits, ambulance fees, rehabilitation expenses and EMT expenses. They are often utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

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

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Be Smart and Buy Smart

We just presented some good ideas how to get a better price on 2005 Pontiac Sunfire insurance. The key thing to remember is the more price quotes you have, the better your comparison will be. Drivers may discover the biggest savings come from some of the lesser-known companies.

When buying insurance coverage, make sure you don’t reduce needed coverages to save money. In many instances, an insured cut collision coverage only to regret at claim time that it was a big mistake. The goal is to purchase a proper amount of coverage at a price you can afford but still have enough coverage for asset protection.

More affordable auto insurance can be found online and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide rate quotes online and many times these small insurance companies provide coverage only through independent insurance agents.

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