Paying for pricey Pontiac Sunfire insurance in Denver can consume your savings and possibly require postponing other expenditures. Comparison shopping is recommended to slash your bill and have more diposable income.
Amazlingly, a recent NerdWallet.com study showed that most drivers kept their policy with the same company for four years or more, and just under half have never compared auto insurance rates at all. Many consumers in Denver can save hundreds of dollars each year, but they underestimate the amount of money they would save if they moved their coverage to a different company.
There is such a variety of car insurance companies to buy insurance from, and even though it’s nice to have a choice, lots of choices makes it harder to find the lowest rates for Pontiac Sunfire insurance in Denver.
The fastest way that we advise to compare rates for Pontiac Sunfire insurance in Denver is to know most insurance companies will pay a fee to compare rate quotes. To get started, all you need to do is give the companies some data including if you went to college, how much coverage you want, if the car is leased, and if you are currently licensed. Your insurance information is then sent to many of the top insurers and they respond with quotes within a short period of time.
To find the cheapest Pontiac Sunfire insurance rates, click here then complete the form.
The companies shown below have been selected to offer free quotes in Denver, CO. If multiple companies are shown, we suggest you visit as many as you can to find the most affordable car insurance rates.
Discounts mean cheaper rates for Pontiac Sunfire insurance in Denver
Companies offering auto insurance do not advertise every policy discount in a way that’s easy to find, so the list below contains some of the more common and the more hidden ways to save on auto insurance.
- Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
- Renewal Discounts – Some companies provide a discount for renewing your policy before your current expiration date. The savings is around 10%.
- Federal Government Employee – Simply working for the federal government may qualify for a discount when you quote Denver auto insurance with select insurance companies.
- One Accident Forgiven – This one isn’t a discount, but a few companies such as Allstate, Progressive, and GEICO may permit one accident before they charge you more for coverage as long as you don’t have any claims prior to being involved in the accident.
- Safety Restraint Discount – Drivers who require all vehicle occupants to buckle their seat belts can save 10% or more on medical payment and PIP coverage.
- Denver Homeowners Pay Less – Owning a home in Denver can save you money because of the fact that having a home requires a higher level of personal finance.
One last thing about discounts, most credits do not apply to the overall cost of the policy. Most only apply to individual premiums such as collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will help lower your auto insurance premiums.
A few of the larger companies and the discounts they provide can be found below.
- Farmers Insurance offers premium reductions for electronic funds transfer, mature driver, pay in full, distant student, homeowner, and teen driver.
- State Farm may include discounts for safe vehicle, multiple policy, good student, multiple autos, and Drive Safe & Save.
- Liberty Mutual includes discounts for new move discount, exclusive group savings, new graduate, newly married, good student, multi-policy, and teen driver discount.
- MetLife offers discounts including good student, multi-policy, good driver, accident-free, claim-free, and defensive driver.
- Progressive offers discounts for good student, online signing, continuous coverage, multi-policy, online quote discount, and multi-vehicle.
Before purchasing a policy, check with each company how many discounts you can get. Savings may not apply to policyholders in Denver. To view providers offering auto insurance discounts in Denver, click here to view.
When to have guidance from a local insurance agent
Many people just want to visit with an insurance agent and doing so can bring peace of mind The biggest benefit of comparing rates online is the fact that drivers can get lower rates but also keep your business local.
After completing this simple form, the quote information is emailed to companies in Denver who will give competitive quotes for your insurance coverage. There is no need to leave your computer as quotes are delivered straight to your inbox. You’ll get the best rates AND an agent nearby. If for some reason you want to compare prices from a specific company, you just need to visit that company’s website to submit a rate quote request.
Finding a good insurance company requires more thought than just a cheap quote. Before buying a policy in Denver, get answers to these questions.
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Will the quote change when the policy is issued?
- Do you qualify for any additional discounts?
- Does their agency support local causes in Denver?
- Do they write coverage based solely on cost?
- How often do they review coverages?
Below are Denver auto insurance companies that may be able to provide rate quotes for Pontiac Sunfire insurance in Denver.
If you receive satisfactory answers to these questions as well as a price you’re happy with, you’ve probably found an insurance company that will service your policy.
Why you need to buy car insurance
Even though it’s not necessarily cheap to insure a Pontiac in Denver, insurance serves an important purpose.
First, almost all states have mandatory insurance requirements which means state laws require a minimum amount of liability in order to drive the car legally. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if your Pontiac Sunfire has a lien holder, most banks will make it a condition of the loan that you buy insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Pontiac at a more expensive rate and require you to fork over for it.
Third, car insurance preserves not only your Pontiac Sunfire but also your financial assets. It will also cover medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, your car insurance policy will cover the damage repairs after a deductible is paid.
The benefits of carrying adequate insurance more than offset the price you pay, particularly for liability claims. But the average driver in Colorado is overpaying more than $855 a year so shop around at every policy renewal to be sure current rates are still competitive.
Learn about insurance coverages for a Pontiac Sunfire
Knowing the specifics of your insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most insurance policies.
This pays for damage to your Sunfire from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims such as damaging your car on a curb, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible on your Sunfire to bring the cost down.
Liability car insurance
Liability coverage can cover damage or injury you incur to a person or their property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/15 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $15,000 of coverage for damaged property.
Liability can pay for claims such as medical expenses, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford. Colorado requires drivers to carry at least 25/50/15 but it’s recommended drivers buy more liability than the minimum.
Coverage for medical payments
Coverage for medical payments and/or PIP pay for bills for things like doctor visits, surgery, X-ray expenses, dental work and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage
This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as vandalism, hail damage, damage from a tornado or hurricane and theft. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Uninsured and underinsured coverage
Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Due to the fact that many Colorado drivers have only the minimum liability required by law (Colorado limits are 25/50/15), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.
Shop smart and save
We just showed you some good ideas how to lower your Pontiac Sunfire insurance car insurance rates in Denver. The key concept to understand is the more you quote Denver auto insurance, the better likelihood of getting low cost Denver auto insurance quotes. You may even find the lowest priced auto insurance comes from a lesser-known regional company. Regional companies may only write in your state and offer lower premium rates as compared to the big name companies such as Allstate or State Farm.
Budget-friendly auto insurance in Denver can be found from both online companies and from local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some auto insurance companies may not provide rate quotes online and most of the time these smaller companies only sell coverage through local independent agencies.
When shopping online for auto insurance, you should never buy less coverage just to save a little money. There are too many instances where an insured cut uninsured motorist or liability limits only to discover later that the savings was not a smart move. Your strategy should be to get the best coverage possible at the lowest possible cost.
More learning opportunities
- Tread Depth and Tire Safety (State Farm)
- Who Has Affordable Denver Car Insurance with Multiple Speeding Tickets? (FAQ)
- What Insurance is Cheapest for a 20 Year Old Female in Denver? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Dodge Ram in Denver? (FAQ)
- Who Has Affordable Denver Auto Insurance Quotes for 17 Year Olds? (FAQ)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Teen Driving and Texting (State Farm)