Buyers have lots of choices when searching for low-cost Pontiac Sunrunner insurance. They can either spend hours driving around to compare prices or save time using the internet to make rate comparisons. There is a right way and a wrong way to shop for car insurance so we’re going to tell you the absolute fastest way to get price quotes for a new or used Pontiac and locate the lowest price.
You need to price shop coverage before your policy renews since insurance rates are rarely the same from one policy term to another. If you had the lowest price for Sunrunner insurance a year ago you may be paying too much now. Forget all the misinformation about car insurance because you’re about to find out the only way to find great coverage at a great price.
How to Compare Car Insurance Costs
Finding a better price on car insurance is surprisingly easy. Drivers just need to spend a little time comparing rate quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.
- The best way to find low rates would be an industry-wide quote request form like this one (opens in new window). This method keeps you from doing repetitive form entry for each company. Taking the time to complete one form will return quotes from car insurance companies with the best prices. This is by far the quickest method.
- Another way to analyze rates requires a visit to the website for each individual company and request a quote. For instance, we’ll assume you want rates from Progressive, Safeco and Liberty Mutual. You would have to take the time to go to each site to input your insurance information, which is why the first method is more popular.
For a list of links to companies insuring cars in your area, click here.
- The least efficient way to get comparison rates is to waste gas driving to insurance agents’ offices. The ability to buy insurance online eliminates the need for an insurance agent unless you want the professional guidance that only a license agent can provide. Drivers can get prices online but buy from a local insurance agent and we’ll cover that in a bit.
However you get your quotes, compare the exact same coverage limits on every quote. If you use different limits and deductibles on each one it’s impossible to decipher which rate is best.
Lots of discounts mean lots of savings
Car insurance companies don’t always publicize every available discount in a way that’s easy to find, so we break down some of the more common as well as the least known ways to save on car insurance. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.
- One Accident Forgiven – Some insurance companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
- Driver Safety – Completing a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
- More Vehicles More Savings – Having multiple cars or trucks with the same company can get a discount on all vehicles.
- Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for Sunrunner insurance with a few car insurance companies.
- Senior Citizens – If you’re over the age of 55, you may receive a discount up to 10% for Sunrunner insurance.
- Club Memberships – Belonging to a professional or civic organization may earn a discount when buying car insurance for Sunrunner insurance.
- No Accidents – Drivers with accident-free driving histories can save substantially when compared to bad drivers.
- Lower Rates for Military – Having a deployed family member could mean lower rates.
It’s important to note that some credits don’t apply to the entire cost. Most cut the cost of specific coverages such as comp or med pay. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way.
For a list of providers with the best car insurance discounts, click here.
Do I just need basic coverages?
When it comes to buying the best car insurance coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.
For instance, these questions may help highlight if your situation may require specific advice.
- Does having multiple vehicles earn me a discount?
- What discounts do I qualify for?
- Why is insurance for a teen driver so high?
- Should I rate my Pontiac Sunrunner as pleasure use or commute?
- Do I need rental car coverage?
- Can I still get insurance after a DUI?
- Is a no-fault state?
- Do I get a pro-rated refund if I cancel my policy early?
- Should I drop comprehensive coverage on older vehicles?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can help protect your family.
