Lower Your 1994 Pontiac Firebird Insurance Rates

Tired of not being able to afford each month for car insurance? You are in the same boat as millions of other consumers.

Insurance companies such as State Farm, Progressive and Geico promote their brand names with catchy ads and it is difficult to ignore the promise of big savings and do the work needed to find the best deal.

Take advantage of discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that many people don’t even know exist. Most are applied at quote time, but some may not be applied and must be specially asked for before they will apply.

  • College Student – Youth drivers who live away from home and do not have a car may be able to be covered for less.
  • Passive Restraint Discount – Vehicles with factory air bags can get savings of more than 20%.
  • New Vehicle Savings – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Use Seat Belts – Requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Low Mileage – Driving fewer miles can earn discounted rates on garaged vehicles.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Most only reduce individual premiums such as comprehensive or collision. Just because you may think it’s possible to get free car insurance, companies don’t profit that way. Any amount of discount will bring down your premiums.

Car insurance companies that may have some of the above discounts are:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. All car insurance discounts may not apply in every state.

How to know if you need help

When choosing the best car insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Am I covered by my spouse’s policy after a separation?
  • How do I file an SR-22 for a DUI in my state?
  • At what point should I drop full coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • How much liability insurance is required?
  • Should I buy more coverage than the required minimum liability coverage?
  • Should I have a commercial auto policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • I have health insurance so do I need medical payments coverage?
  • Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Don’t be fooled by advertising claims

Companies like 21st Century, Allstate and State Farm consistently run television and radio advertisements. All the ads make the same claim about savings if you change your coverage to them. How can each company make almost identical claims? This is how they do it.

All the different companies can use profiling for the right customer that makes them money. For instance, a preferred risk could possibly be over the age of 40, a clean driving record, and chooses high deductibles. Any new insured who meets those qualifications will get the preferred rates and most likely will cut their rates substantially.

Consumers who don’t qualify for this ideal profile must pay a more expensive rate and ends up with business going elsewhere. The ads state “drivers who switch” not “everyone that quotes” save that kind of money. That is how companies can truthfully advertise the way they do.

This illustrates why you need to quote coverage with many companies. It’s not possible to predict the company that will provide you with the cheapest Pontiac Firebird insurance rates.

Auto insurance 101

Having a good grasp of your insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types available from insurance companies.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hail damage, theft and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for expenses for rehabilitation expenses, prosthetic devices and nursing services. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision protection

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with a tree, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Liability auto insurance

Liability insurance will cover damage that occurs to other people or property that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like loss of income, legal defense fees and pain and suffering. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Coverage on a shoestring budget

You just read a lot of tips how to compare 1994 Pontiac Firebird insurance prices online. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. Consumers may even find the best price on car insurance is with the least-expected company. Some small companies often have lower prices on specific markets than the large multi-state companies such as Progressive or Geico.

While you’re price shopping online, it’s very important that you do not skimp on coverage in order to save money. There have been many situations where an insured dropped physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

Cost effective insurance can be sourced online as well as from independent agents, so compare prices from both in order to have the best chance of saving money. Some insurance providers don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

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