Compare 1991 Pontiac Sunbird Car Insurance Quotes

No one looks forward to buying insurance, in particular when the price is too high.

Because there are so many insurance providers from which to choose, it can be diffult for consumers to pick the most affordable insurance company.

Choosing the best insurance company for you is not rocket science. If you currently have car insurance, you stand a good chance to be able to save some money using this information. But drivers can benefit from knowing the way companies price online insurance.

Low Cost Car Insurance

All major car insurance companies like Progressive, Geico, Allstate and State Farm allow you to get prices for coverage on the web. The process is fairly simple as you just enter the coverages you want into the quote form. After you submit the form their system collects your driving record and credit report and provides a quote determined by many factors. This makes it a lot easier to compare rates but having to visit each company’s website and repetitively complete many quote forms gets old quite quickly. But it’s absolutely necessary to do this if you want to find lower prices.

The easiest way to lower your car insurance bill uses one simple form to obtain quotes from several companies at one time. It’s a real time-saver, eliminates form submissions, and makes online quotes much more enjoyable and efficient. As soon as the form is sent, it gets priced and you can select any or none of the returned quotes. If you find a better price you simply finish the application and buy the policy. The whole process can be completed in less than 10 minutes and can result in significant savings.

To compare rates now, click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you type in coverages and limits exactly as they are listed on your policy. Doing this assures you will be getting a price comparison based on identical coverages.

When should I use an insurance agent?

When buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique so this has to be addressed. For instance, these questions can aid in determining whether you might need an agent’s assistance.

  • Is my custom paint covered by insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Why am I required to buy liability insurance?
  • Will my insurance pay for OEM parts?
  • Is business property covered if stolen from my car?
  • Can my teen driver be rated on a liability-only vehicle?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Auto insurance coverages

Knowing the specifics of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverages found on the average insurance policy.

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from flooding, rock chips in glass, vandalism and damage from getting keyed. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage protection

Collision insurance covers damage to your Sunbird resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as backing into a parked car, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Liability

Liability coverage protects you from damages or injuries you inflict on people or other property that is your fault. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as legal defense fees, emergency aid, court costs and bail bonds. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for rehabilitation expenses, funeral costs, chiropractic care, doctor visits and surgery. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Pontiac Sunbird.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.