How to Lower Your Pontiac Sunfire Car Insurance Rates

I doubt anyone likes having to buy car insurance, especially when they are aware that the prices are way too high. There is such a variety of car insurance companies to purchase coverage from, and even though it’s nice to have a choice, it makes it harder to compare company pricing.

Finding the best rates is not that difficult. If you currently have car insurance, you should be able to save some money using these tips. Vehicle owners just need to learn the most efficient way to get comparison quotes on the web.

How Insurance Companies Calculate Pontiac Sunfire Insurance Prices

Multiple criteria are used in the calculation when you quote your car insurance policy. A few of the factors are predictable like your driving record, although others are less obvious like your vehicle usage or your vehicle rating. When buying car insurance it’s important to understand a few of the rating criteria that are used to determine your premiums. If you know what controls the rates you pay, this allows you to make good choices that can help you get lower rates.

The items below are just a few of the factors used by your company to calculate your rate level.

• Add-on coverages push up prices – Insurance policies have a lot of additional coverages that may not really be needed if you don’t pay attention. Coverages like rental car coverage, towing coverage, and term life insurance may not be needed and are just wasting money. They may seem like a good idea when talking to your agent, but now you might not need them so get rid of them and save.
• Safer occupants lowers premiums – Safer cars cost less to insure. The safest vehicles reduce the chance of injuries and reduced instances of injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders.
• Liability protection – The liability section of your policy is the protection if you are determined to be liable for damages from an accident. Your policy’s liability insurance provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
• When should you file a policy claims? – If you are a frequent claim filer, you can pretty much guarantee higher rates. Companies provide discounts to policyholders who file claims infrequently. Auto insurance is intended to be relied upon for more catestrophic claims.
• Prevent your car from being stolen – Owning a car that has an advanced theft prevention system can help lower your rates. Theft prevention features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder car theft and help bring rates down.
• Being married reduces risk – Being married can actually save you money when shopping for car insurance. It is viewed as being more stable financially it has been statistically shown that drivers who are married are more cautious.
• Does your employer raise your rates? – Did you know your job can affect your rates? Jobs like military generals, executives and accountants generally pay the highest average rates because of intense work-related stress and incredibly demanding work hours. Other occupations such as farmers, athletes and performers receive lower rates on Sunfire coverage.
• Where you call home is a factor – Having an address in areas with lower population can be a good thing when shopping for auto insurance. Lower population translates into fewer accidents in addition to lower liability claims Drivers in populated areas regularly have more road rage incidents and more severe claims. The longer drive time means more chances of being involved in an auto accident.

Find hidden discounts on car insurance

Some insurance providers don’t always list their entire list of discounts very clearly, so the following is a list of some of the best known and also the more inconspicuous discounts you could be receiving when you . If you do not double check each discount available, it’s possible you qualify for a lower rate.

• Student Driver Training – Have your child complete a driver education course in school.
• Good Driver Discount – Drivers without accidents can get discounts for up to 45% lower rates on Sunfire coverage compared to rates paid by drivers with frequent claims.
• Discount for Life Insurance – Some companies give better rates if you take out some life insurance too.
• Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn discounted car insurancerates on garaged vehicles.
• Seat Belts Save – Requiring all passengers to buckle up may be able to save a few bucks off PIP or medical payments premium.
• Waiver for an Accident – Not necessarily a discount, but some companies like State Farm and Allstate will forgive one accident without raising rates with the catch being you have to be claim-free for a particular time prior to the accident.
• Defensive Driver – Taking time to complete a safe driver course is a good idea and can lower rates and also improve your driving technique.

You can save money using discounts, but most discounts do not apply to the overall cost of the policy. A few only apply to individual premiums such as liability and collision coverage. Just because you may think you would end up receiving a 100% discount, car insurance companies aren’t that generous.

The best car insurance companies and a selection of discounts are detailed below.

• GEICO may include discounts for driver training, good student, military active duty, seat belt use, daytime running lights, and anti-theft.
• MetLife offers discounts including good student, good driver, accident-free, defensive driver, claim-free, multi-policy
• Progressive has savings for online quote discount, multi-vehicle, continuous coverage, homeowner, multi-policy, online signing, and good student.
• Travelers offers discounts for save driver, IntelliDrive, good student, payment discounts, early quote, and new car.
• SAFECO includes discounts for teen safety rewards, anti-theft, bundle discounts, multi-car, and accident prevention training.
• AAA has discounts for good student, anti-theft, multi-car, good driver, pay-in-full, and education and occupation.

Check with each insurance company to give you their best rates. Some of the discounts discussed earlier may not apply to policies everywhere. To locate providers that have a full spectrum of discounts, click here.

Tailor your car insurance coverage to you

When buying proper insurance coverage, there is no one size fits all plan. Everyone’s needs are different so your insurance needs to address that. For instance, these questions might point out if your insurance needs will benefit from professional help.

• What vehicles should carry emergency assistance coverage?
• Can I rate high risk drivers on liability-only vehicles?
• Do I have coverage if my license is suspended?
• Can I still get insurance after a DUI?
• Can I afford to buy a different vehicle if my Pontiac Sunfire is totaled?
• When does my teenage driver need to be added to my policy?
• Can I afford to pay high deductible claims out of pocket?
• How much liability do I need to cover my assets?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area. It’s fast, free and may give you better protection.

And the best car insurance company is…

A few companies may not provide rates over the internet and these small insurance companies provide coverage only through independent agents. Low-cost Pontiac Sunfire insurance is available online and also from your neighborhood agents, and you should compare rates from both in order to have the best chance of saving money.

We just showed you a lot of techniques to get a better price on Pontiac Sunfire insurance. The key concept to understand is the more quotes you get, the better your comparison will be. You may even find the best auto insurance rates are with a company that doesn’t do a lot of advertising. Smaller companies may only write in your state and offer lower premium rates as compared to the big name companies such as State Farm or Progressive.