Cheaper 1993 Pontiac Firebird Insurance Quotes

Searching for the cheapest car insurance rates for your Pontiac Firebird? Sick and tired of not being able to afford to insure your Pontiac every month? Your situation is no different than many other drivers.

Lots of car insurance companies contend for your insurance dollar, and it can be difficult to compare rates to find the absolute lowest price

It’s a good habit to check car insurance prices once or twice a year since insurance rates are usually higher with each renewal. Despite the fact that you may have had the lowest price for Firebird insurance a year ago a different company probably has better rates today. Starting now, forget all the misinformation about car insurance because it’s time to teach you one of the quickest ways to find better rates and still maintain coverage.

How to Compare Car Insurance Rates

Performing a rate comparison can be challenging if you don’t understand the fastest way to get free quotes. You can waste hours talking to insurance companies in your area, or you could use the web for quick rates.

Most major companies participate in a marketplace that enables customers to only type in their quote data once, and every company can give them a price based on that data. This saves time by eliminating quote forms for each company. To enter your information into the quoting system, click here to open in new window.

One minor caviat to comparing rates this way is you cannot specify which providers to receive prices from. So if you want to choose specific providers to compare, we have a page of companies who write car insurance in your area. Click to view list.

It’s up to you which method you use, but make sure you use identical quote information with each company. If you use differing limits it will be next to impossible to find the best deal for your Pontiac Firebird. Just a small difference in coverages may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes gives you a better chance of getting a better price.

When might I need the advice of an agent?

When it comes to buying proper insurance coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions could help you determine if your situation could use an agent’s help.

  • Do all my vehicles need collision coverage?
  • Do I pay less for low miles?
  • Is my Pontiac Firebird covered if I use it for business?
  • When would I need rental car insurance?
  • What is no-fault insurance?
  • Will filing a claim cost me more?
  • Am I covered if hit by an uninsured driver?
  • Is business equipment covered while in my vehicle?
  • Is my teenager covered with friends in the car?

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 a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Coverages available on your policy

Understanding the coverages of car insurance can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages offered by car insurance companies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as funeral costs, X-ray expenses and rehabilitation expenses. They can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive auto coverage

This 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 pays for things such as fire damage, damage from getting keyed, damage from a tornado or hurricane and a broken windshield. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

Collision insurance pays for damage to your Firebird resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like crashing into a ditch, driving through your garage door and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability auto insurance

This can cover injuries or damage you cause to other’s property or people. It protects you against claims from other people. It does not 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 liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as pain and suffering, repair bills for other people’s vehicles, loss of income and medical services. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.