1996 Pontiac Firebird Insurance Quotes – 8 Ways to Save

Looking for cheaper insurance coverage rates for your Pontiac Firebird? Nobody I know looks forward to buying insurance coverage, especially knowing their premiums are through the roof. Multiple insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurer and get the best coverage at the best price available.

The most recommended method to compare policy rates is to know the fact almost all companies participate in a system to quote your coverage. The only thing you need to do is give them rating details including how old drivers are, how your vehicles are used, if a SR-22 is needed, and if you went to college. Those rating factors is instantly submitted to all major companies and you receive quotes quickly.

Are you getting all your discounts?

Companies offering auto insurance do not list every available discount in an easy-to-find place, so we researched both well-publicized and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Sign Online – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Save with a New Car – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Drive Less and Save – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Distant Student – Kids in college who are attending college and do not have a car may qualify for this discount.
  • Club Memberships – Affiliation with a professional or civic organization may earn a discount on your policy for Firebird insurance.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.

It’s important to understand that some of the credits will not apply to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way.

Car insurance companies who might offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask each insurance company how you can save money. All car insurance discounts might not apply everywhere.

When might I need an agent?

When choosing the best car insurance coverage for your personal vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions might point out whether your personal situation could use an agent’s help.

  • What is PIP insurance?
  • Do all my vehicles need collision coverage?
  • Which companies will insure high-risk drivers?
  • Does my insurance cover a custom paint job?
  • What happens if I owe more than my 1996 Pontiac Firebird is worth?
  • Am I getting all the discounts available?
  • When do I need to add a new car to my policy?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage information

Learning about specific coverages of your insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages offered by insurance companies.

Collision coverage – This will pay to fix damage to your Firebird resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a ditch, hitting a mailbox and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Pontiac Firebird.

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 a good idea.

Auto liability – This coverage provides protection from damage that occurs to people or other property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like structural damage, funeral expenses and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage (or Other than Collision) – This covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as theft, fire damage and hitting a bird. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as X-ray expenses, ambulance fees, EMT expenses and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Saving money makes a lot of cents

When shopping online for insurance coverage, do not reduce coverage to reduce premium. There have been many cases where an accident victim reduced physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.

We just presented some good ideas how to get a better price on 1996 Pontiac Firebird insurance. The key concept to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Consumers may even find the lowest rates come from the smaller companies. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Progressive and Geico.

For more information, feel free to visit the articles below: