How Much Does 2004 Pontiac Sunfire Car Insurance Cost?

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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: Jan 7, 2020

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Want lower insurance rates for your Pontiac Sunfire? Feel like you’re a prisoner to high-priced insurance? Believe me, many consumers feel financially strained by their insurance policy. Having so many companies to choose from, it can be hard to pick the most cost effective car insurance company.

It is always a good idea to do rate comparisons yearly because prices are constantly changing. Just because you found the best price for Sunfire insurance a few years ago you will most likely find a better rate today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the things you must know in order to find great coverage at a great price.

Finding the cheapest car insurance coverage is not that difficult. If you have a policy now or need new coverage, you can use this information to cut your premiums and possibly find even better coverage. Vehicle owners just need to learn the proper way to find the lowest price over the internet.

You probably qualify for some discounts

The price of auto insurance can be rather high, but there could be available discounts to help bring down the price. A few discounts will automatically apply when you quote, but a few need to be asked about in order for you to get them. If they aren’t giving you every credit available, you are throwing money away.

  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Discount for Swiching Early – Some insurance companies reward drivers for signing up before your current expiration date. The savings is around 10%.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Organization Discounts – Being a member of a qualifying organization could trigger savings when shopping for insurance coverage for Sunfire insurance.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way. But any discount will bring down your overall premium however.

For a list of insurers with the best insurance coverage discounts, click this link.

Which Auto Insurance is Cheapest?

Finding lower auto insurance rates is not a difficult process. Consumers just need to take a couple of minutes to compare quotes online with multiple companies. This can be accomplished in several different ways.

  • Probably the best way consumers can analyze rates is a comparison rater form click here to open form in new window. This easy form keeps you from doing boring form submissions for every auto insurance company. Just one form will get you rate comparisons from multiple companies.
  • Another way to get quotes online is to take the time to go to the website for every company you want to comare and request a quote. For instance, let’s assume you want to compare Auto-Owners, Esurance and Liberty Mutual. To find out each rate you need to visit each site and enter your policy data, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  • The least efficient method of comparing rate quotes is to waste gas driving to and from local insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you prefer the professional advice that only a license agent can provide. However, consumers can compare the best prices online but buy from a local insurance agent.

It’s up to you which method you use, but make darn sure you compare identical information on every quote. If your comparisons have different deductibles it will be impossible to find the best deal for your Pontiac Sunfire.

Pontiac Sunfire rates are complex

Consumers need to have an understanding of some of the elements that help determine car insurance rates. Knowing what determines base rates empowers consumers to make smart changes that can help you get better car insurance rates.

  • Lower rates come with age – Youthful drivers have a tendency to be careless and easily distracted behind the wheel so car insurance rates are higher. Adding a young driver to your policy can really hurt. Older drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers.
  • Drive a safer car and pay less – Safer cars tend to have better insurance rates. The safest vehicles result in less severe injuries and fewer injuries means lower claim amounts and thus lower rates. If the Pontiac Sunfire scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Your spouse saves you money – Having a wife or husband helps lower the price when buying car insurance. Having a significant other means you’re more mature than a single person and it’s statistically proven that being married results in fewer claims.
  • Battle of the sexes – Statistics have proven that women are safer drivers than men. Now that doesn’t mean women are better drivers. Both sexes have accidents in similar numbers, but men tend to have more serious accidents. Men also get more serious tickets such as reckless driving.
  • Do you need the policy add-ons? – There are quite a few additional coverages that you can buy if you aren’t careful. Things like vanishing deductibles, towing coverage and term life insurance may be costing you every month. They may seem like a good idea when you first buy your policy, but if they’re wasting money remove them from your policy.
  • Lower rates with optional equipment – Driving a car that has an advanced theft prevention system can help bring down rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
  • Keep rates low by being claim-free – If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Auto insurance companies award discounts to policyholders who do not file claims often. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.

There’s no such thing as the perfect policy

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions may help you determine if you could use an agent’s help.

  • What is medical payments coverage?
  • Am I covered when driving a rental car?
  • What if I don’t agree with a claim settlement offer?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I have combined single limit or split liability limits?
  • What is roadside assistance coverage?
  • Am I covered when using my vehicle for business?
  • When does my teenage driver need to be added to my policy?
  • Does coverage extend to Mexico or Canada?

If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and you can get the answers you need.

Free Auto Insurance Comparison

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Car insurance coverages for a Pontiac Sunfire

Having a good grasp of your policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverage types available from insurance companies.

Liability coverage

Liability coverage protects you from injuries or damage you cause to a person or their property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as medical services, bail bonds, structural damage, funeral expenses and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, a tree branch falling on your vehicle, theft, hitting a bird and hitting a deer. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision insurance

Collision coverage pays for damage to your Sunfire caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as scraping a guard rail, hitting a parking meter, crashing into a building, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 2004 Pontiac Sunfire.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are set the same as your liablity limits.

Coverage for medical expenses

Med pay and PIP coverage pay for bills for things like surgery, nursing services, funeral costs, pain medications and doctor visits. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

One last thing about your coverage

As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. Too many times, an accident victim reduced liability coverage limits only to discover later that the few dollars in savings costed them thousands. The aim is to buy enough coverage at a price you can afford.

We just showed you a lot of ways to lower your 2004 Pontiac Sunfire insurance rates. The key thing to remember is the more you quote, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from the least-expected company. They may only write in your state and offer lower rates as compared to the big name companies such as GEICO and State Farm.

Much more information about car insurance can be read below:

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