1993 Pontiac Sunbird Car Insurance Rates

Have you finally had enough of trying to scrape together enough money to pay your insurance coverage bill each month? Your situation is no different than many other drivers.

You have so many auto insurance companies to pick from, and although it’s a good thing to have multiple companies, more choices can make it harder to find the lowest rates.

Choosing the best insurance company for you is easy if you know what you’re doing. Essentially every driver who is required by state law to have insurance will be able to find better rates. Although consumers need to learn how insurance companies determine prices because it can help you find the best coverage.

Compare insurance coverage rate quotes online

When looking for cheaper car insurance quotes, there are a couple ways to get quotes from many available insurance coverage companies in your state. The easiest way by far to find the cheapest 1993 Pontiac Sunbird insurance rates is simply to get online rate quotes. This can be done by using one of the methods below.

• The fastest way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This type of form keeps you from doing separate quote forms for every company. Taking the time to complete one form will return price quotes direct from many companies.
• A less efficient way to get comparison quotes is going to the website for each individual company to request a price quote. For example, let’s say you are doing a rate comparison from Liberty Mutual, Esurance and Allstate. To find out each rate you need to spend time on each company’s site to enter your coverage information, which can get old fast.

  For a list of links to companies insuring cars in your area, click here.

• The hardest way to comparison shop rate quotes is actually driving to all the different insurance agencies. Comparing rates online has made agencies unnecessary unless your situation requires the professional guidance that can only be provided by a licensed insurance agent. Drivers can comparison shop online and have a local agent actually service the policy.

Whichever way you choose to compare rates, compare the exact same deductibles and coverage limits on every price quote you get. If the quotes have different values for each quote it’s impossible to decipher which rate is best. Having just a slight variation in coverages could skew the results. And when price shopping your coverage, more quotes helps increase your odds of locating more affordable insurance.

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Insurance buyers beware

Big name companies like Geico, State Farm and Progressive continually stream television and radio advertisements. All the companies try to convey promises that drivers will save a bundle just by moving your coverage to them. How does every insurance company sell you cheaper insurance coverage? It’s all in the words they use.

All companies have underwriting criteria for the type of insured that will most likely be profitable. One example of a driver they prefer might have to be a female over age 40, has never had a policy lapse, and has excellent credit. Any person that meets those criteria will get low premium rates and will cut their rates substantially.

Drivers who are not a match for these stringent criteria will be quoted higher premium rates and ends up with the customer not purchasing. Company advertisements say “drivers who switch” not “everyone that quotes” save that much. That’s the way companies can truthfully advertise the savings. Each company has different criteria, so drivers should get as many free car insurance quotes as possible. It’s just too difficult to predict the company that will provide the lowest car insurance rates.

Pontiac Sunbird insurance rates can be more affordable

A large part of saving on insurance is knowing the different types of things that aid in calculating the price you pay for insurance. When consumers understand what determines base rates, this empowers consumers to make smart changes that could result in lower premium levels. Many things are part of the equation when you quote your car insurance policy. A few of the factors are predictable such as your driving record, but others are less obvious like your continuous coverage or your financial responsibility.

• Do you have enough liability coverage? – A critical coverage on your policy, liability insurance kicks in when you are found liable for an accident. Liability provides legal defense to defend your case. Liability insurance is pretty cheap as compared to coverage for physical damage, so drivers should carry high limits.
• Gender is a factor – Over the last 50 years, statistics have shown women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. Men and women have auto accidents in similar numbers, but guys have accidents that have higher claims. In addition to higher claims, males also receive more major tickets such as DWI and reckless driving. Young men ages 16 to 20 are most likely to cause an accident and are penalized with high insurance rates.
• Does your vocation cost you more? – Occupational choices like judgesair traffic controllers and dentists usually pay the highest average rates due to high stress and extremely grueling work hours. Conversely, professions such as actors, athletes and retirees have the lowest average rates on Sunbird coverage.
• Urban residents pay more – Living in less populated areas has it’s advantages if you are looking for the lowest rates. Drivers in populated areas have to deal with more road rage incidents and higher rates of accident claims. Fewer drivers means fewer accidents in addition to fewer liability claims.

Auto insurance companies offer lots of discounts

Auto insurance is not inexpensive, but discounts can save money and there are some available to help offset the cost. A few discounts will automatically apply when you purchase, but some discounts are required to be manually applied before they will apply.

• One Accident Forgiven – This one is not really a discount per se, but a handful of insurance companies will turn a blind eye to one accident before raising your premiums so long as you are claim-free for a specific time period.
• Multiple Policy Discount – If you have multiple policies and place coverage with the same company you may earn as much as 10 to 15 percent.
• Early Renewal Discounts – Some companies reward drivers for renewing your policy before your current coverage expires. This can save 10% or more.
• Federal Government Employee – Having worked for a branch of the government can save as much as 8% on Sunbird coverage with select insurance companies.
• Organization Discounts – Joining a professional or civic organization could qualify you for a break on your next renewal.
• Driving Data Discount – People who choose to allow their company to track driving habits through the use of a telematics system like Allstate’s Drivewise may get a rate reduction if they show good driving skills.

Discounts lower rates, but some of the credits will not apply to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, nobody gets a free ride. But all discounts should help reduce your policy premium.

To find insurers that offer many of these discounts, click here to view.

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Do I just need basic coverages?

When choosing the best auto insurance coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions might help in determining if your situation will benefit from professional help.

• Can I make deliveries for my home business?
• Should I bundle my homeowners policy with my auto?
• Is business equipment covered while in my vehicle?
• How do I insure my teen driver?
• How does medical payments coverage work?
• Should I buy full coverage?
• Is upholstery damage covered by car insurance?
• What companies insure drivers after a DUI or DWI?
• Why am I required to get a high-risk car insurance policy?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Insurance coverage breakdown

Having a good grasp of insurance aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages offered by insurance companies.

Coverage for collisions

Collision insurance covers damage to your Sunbird from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, sideswiping another vehicle, hitting a mailbox and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on people or other property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things such as pain and suffering, emergency aid and medical expenses. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Pontiac Sunbird.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills for EMT expenses, X-ray expenses, nursing services and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, a tree branch falling on your vehicle and fire damage. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Summing up your insurance search

Budget-friendly insurance is available online as well as from insurance agents, so you should compare both to have the best rate selection. There are still a few companies who may not have rates over the internet and most of the time these small, regional companies only sell through independent insurance agencies.

You just learned a lot of techniques to reduce 1993 Pontiac Sunbird insurance premium rates online. The key concept to understand is the more companies you get prices for, the better likelihood of getting low cost car insurance. Drivers may discover the lowest premium rates come from some of the lesser-known companies. Smaller companies may cover specific market segments cheaper compared to the large companies like State Farm and Allstate.

As you go through the steps to switch your coverage, it’s not a good idea to buy poor coverage just to save money. There have been many situations where an insured cut physical damage coverage and found out when filing a claim that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at the best possible price, but do not skimp to save money.

Even more information can be read by following these links:

• Event Data Recorders FAQ (iihs.org)
• Medical Payments Coverage (Liberty Mutual)
• Understanding Car Crashes Video (iihs.org)
• Booster Seat Ratings (iihs.org)

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