1990 Pontiac Sunbird Insurance Quotes – 6 Tricks for Cheaper Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Feel like you’re a prisoner to an overpriced insurance coverage policy? Believe me when I say there are lots of people in the same boat.

Numerous car insurance companies battle for your insurance dollar, and because of this it can be hard to compare auto insurance companies to find the absolute lowest rate

The method we recommend to compare insurance rates from multiple companies takes advantage of the fact most insurance companies have advanced systems to give rate comparisons. To get started, all you need to do is give them some information such as if you have a valid license, your credit rating estimate, the year, make and model of vehicles, and if it has an alarm system. Your information is instantly submitted to insurance companies and they respond with quotes within a short period of time.

Cut your premium with these six discounts

Companies that sell car insurance don’t always advertise all their discounts in a way that’s easy to find, so here is a list both the well known and the more hidden discounts you could be receiving.

  • Good Student Discount – This discount can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Defensive Driver – Successfully completing a defensive driving course could save 5% or more depending on where you live.
  • Homeowners Pay Less – Simply owning a home may trigger a car insurance policy discount because maintaining a house demonstrates responsibility.
  • Student Driver Training – Require your teen driver to complete a driver education course if offered at their school.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.

It’s important to understand that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, companies don’t profit that way.

To see a list of providers who offer car insurance discounts, click here to view.

What is the best insurance coverage?

When it comes to choosing adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether or not you might need professional guidance.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I have coverage when using my vehicle for my home business?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is my nanny covered when driving my vehicle?
  • What companies insure drivers after a DUI or DWI?
  • Do I need replacement cost coverage on my 1990 Pontiac Sunbird?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Car insurance coverages and their meanings

Learning about specific coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages found on most car insurance policies.

Protection from uninsured/underinsured drivers

This provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 1990 Pontiac Sunbird.

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

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for bills for things like funeral costs, prosthetic devices and X-ray expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as scraping a guard rail, rolling your car, colliding with a tree, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability auto insurance

This coverage protects you from damages or injuries you inflict on other’s property or people in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability coverage pays for things such as attorney fees, bail bonds, emergency aid and medical services. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from getting keyed, rock chips in glass, a tree branch falling on your vehicle and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

More comparisons equals lower rates

In this article, we presented many ways to lower your 1990 Pontiac Sunbird insurance rates. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from an unexpected company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. In many instances, consumers will sacrifice liability limits or collision coverage only to discover later that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

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