Trying to find cheaper insurance for a new or used Pontiac Sunfire can be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to buy car insurance and you need to know the absolute fastest way to quote coverages for a Pontiac and locate the lowest price either online or from local insurance agents.
Vehicle Insurance Comparison
Most major insurance companies like State Farm, Allstate and GEICO allow you to get prices for coverage on their websites. This process is fairly simple as you simply type in the coverage amounts you desire as requested by the quote form. Behind the scenes, the system collects reports for credit and driving violations and returns a price quote.
This helps simplify price comparisons, but the process of having to visit different websites and complete many quote forms can be a bit repetitive. But it’s absolutely necessary to perform this step if you are searching for a lower rate.
Quote rates the easy way
A quicker way to lower your rates utilizes a single form that obtains quotes from multiple companies. It’s a real time-saver, requires less work, and makes rate comparisons much more enjoyable and efficient. As soon as the form is sent, it gets priced and you can choose any one of the resulting price quotes. If a lower price is quoted, you can click and sign and purchase the new policy. It takes 15 minutes at the most and could lower your rates considerably.
In order to compare pricing, click here to open in new window and complete the simple form. If you have coverage now, it’s recommended you replicate the insurance coverages exactly as shown on your declarations page. Doing this guarantees you will be getting an apples-to-apples comparison based on similar coverages.
How much can you save with discounts?
Companies offering auto insurance don’t always list all their discounts very clearly, so here is a list some of the best known as well as the least known ways to save on car insurance.
- Driver’s Ed – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
- Discount for Swiching Early – Select companies give a discount for signing up prior to your current policy expiring. The savings is around 10%.
- Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last until age 25.
- Military Rewards – Having a deployed family member could be rewarded with lower premiums.
- Resident Student – Any of your kids who attend school more than 100 miles from home and don’t have a car can receive lower rates.
- Sign Online – A handful of insurance companies will give a small break for buying your policy over the internet.
- No Charge for an Accident – Some insurance companies will allow you to have one accident without raising rates as long as you don’t have any claims prior to the accident.
Keep in mind that some credits don’t apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, you won’t be that lucky.
For a list of providers with the best car insurance discounts, click here.
Factors determining your Pontiac Sunfire insurance premium
It’s important that you understand the different types of things that play a part in calculating the price you pay for car insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.
- Lower deductibles cost more – Physical damage insurance, also known as collision and other-than-collision, protects your Pontiac from damage. Some examples of claims that would be covered would be running into the backend of another car, collision with an animal, or theft. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The more the insured has to pay upfront, the lower your rates will be on Sunfire insurance.
- Special features that cut premiums – Driving a car with anti-theft technology or alarm system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
- Older drivers pay less – Older drivers are more cautious drivers, statistically cause fewer accidents and get fewer tickets. Youthful drivers tend to be careless and easily distracted behind the wheel and because of this, their car insurance rates are much higher.
- Discounts for multiple policies – The majority of insurers will give a discount to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even if you’re getting this discount it’s in your best interest to comparison shop to confirm you are receiving the best rates possible.
- Being married can save on car insurance – Getting married helps lower the price when buying car insurance. Marriage translates into being more mature it has been statistically shown that being married results in fewer claims.
How much car insurance do I need?
When buying proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different.
These are some specific questions might help in determining whether your personal situation will benefit from professional help.
- Is borrowed equipment or tools covered if stolen or damaged?
- Does my policy cover my teen driver if they drive my company car?
- Are my friends covered when driving my Pontiac Sunfire?
- Is my nanny covered when driving my vehicle?
- Can I afford to pay high deductible claims out of pocket?
- Does my personal policy cover me when driving my company car?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.
Ads can be misleading
Car insurance providers like State Farm, Allstate and GEICO continually stream ads on TV and radio. They all have a common claim of big savings after switching your policy. How does each company make almost identical claims?
All the different companies have a certain “appetite” for the right customer that is profitable for them. An example of a preferred risk could possibly be between the ages of 40 and 55, has no tickets, and has great credit. A customer who fits that profile will get the preferred rates and is almost guaranteed to save when switching.
Potential customers who don’t meet this ideal profile must pay higher prices and ends up with the driver buying from a lower-cost company. The ads state “drivers who switch” but not “drivers who get quotes” save that much money. This is how insurance companies can claim big savings. This illustrates why it is so important to compare many company’s rates. Because you never know which car insurance company will provide you with the cheapest rates.
Better coverage you can count on
We covered quite a bit of information on how to lower your Pontiac Sunfire insurance rates. The key thing to remember is the more providers you compare, the higher the chance of saving money. Drivers may discover the biggest savings come from a smaller regional carrier.
Insureds switch companies for a variety of reasons including denial of a claim, being labeled a high risk driver, delays in responding to claim requests or even poor customer service. It doesn’t matter why you want to switch finding a new company is easier than you think.
Budget-conscious Pontiac Sunfire insurance can be sourced from both online companies in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not provide the ability to get a quote online and these small insurance companies work with independent agents.
