View 1997 Pontiac Firebird Insurance Rates

Looking for the cheapest insurance coverage rates for your Pontiac Firebird? Sick and tired of being strong-armed each month for car insurance? You are no different than most other car owners. Many insurance companies compete to insure your vehicles, so it’s not easy to compare every insurance company to discover the definitive lowest rate possible.

It’s smart to get comparison quotes every six months since rates are constantly changing. Even if you got the lowest price for Firebird coverage a couple years back there is a good chance you can find better rates now. Don’t believe everything you read about insurance coverage online, so I’m going to show you some proven techniques to find affordable insurance coverage.

The most recommended method to compare car insurance rates utilizes the fact car insurance companies actually pay money for the chance to compare their rates. To begin a comparison, all you need to do is take a few minutes to give details including any included safety features, if the car is leased, how old drivers are, and whether you drive to work or school. Your rating data gets sent immediately to multiple companies and you will receive price estimates immediately.

To check rates for your 1997 Pontiac Firebird, click here and enter your coverage details.

Don’t miss out on these money-saving discounts

Companies don’t list every discount very clearly, so here is a list both the well known as well as the least known ways to save on insurance coverage. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Defensive Driving Course – Successfully completing a driver safety course can save you 5% or more if your company offers it.
  • Air Bag Discount – Vehicles equipped with air bags may earn rate discounts up to 30%.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Discount for Life Insurance – Some companies give a break if you buy life insurance.
  • Government Employees – Active or retired federal employment can earn a discount up to 10% for Firebird coverage with a few insurance coverage companies.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save 5% or more.

Consumers should know that most discount credits are not given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

To see a list of insurance companies with discount insurance coverage rates, click here.

Do I need special coverages?

When choosing proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions could help you determine if you could use an agent’s help.

  • Will my insurance pay for OEM parts?
  • How high should my medical payments coverage be?
  • Can I afford to pay high deductible claims out of pocket?
  • How can I find cheaper teen driver insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How do I file an SR-22 for a DUI in my state?
  • Does my personal policy cover me when driving out-of-state?
  • Am I missing any policy discounts?

If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and may give you better protection.

Some factors that can determine what Pontiac Firebird insurance costs

It’s important that you understand the factors that play a part in calculating the price you pay for insurance. Having a good understanding of what determines base rates enables informed choices that could result in much lower annual insurance costs.

Shown below are a partial list of the pieces insurance companies consider when setting premiums.

  • Big city or small town – Living in a rural area is a positive aspect when insuring your vehicles. Urban drivers have to deal with more traffic problems and a longer drive to work. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft.
  • Multiple policies with one company can save – Most insurance companies provide better rates to customers who buy several policies from them such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even with this discount, you still need to compare rates to verify if the discount is saving money. You may still be able to find better rates by splitting coverages up.
  • Little extras can really add up – There are many extra bells and whistles you can purchase on your Firebird policy. Coverages for rental car reimbursement, better glass coverage and motor club memberships are examples of these. These coverages may sound good at first, but if you don’t need them eliminate them to save money.
  • Bump up deductibles to save – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Pontiac from damage. Examples of covered claims could be collision with another vehicle, damage caused by hail, or theft. The deductibles are the amount of money you are required to spend if you file a covered claim. The higher the amount you’re willing to pay, the less your insurance will be for Firebird coverage.
  • Never allow your policy to lapse – Allowing your insurance policy to lapse will be a sure-fire way to pay more for insurance. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a steep fine or even jail time.You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Mature drivers pay less – Older insureds are more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Teen drivers are known to be careless and easily distracted when behind the wheel and because of this, their insurance rates are much higher.

Beware of misleading insurance coverage ads

Consumers can’t ignore all the ads for car insurance savings from companies such as Progressive, Allstate and Geico. All the companies make an identical promise that you’ll save big if you switch your policy.

How does each company claim to save you money?

All the different companies have a certain “appetite” for the driver that is profitable for them. For example, a desirable insured might be profiled as between the ages of 30 and 50, owns a home, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” receives the best rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who do not match the requirements must pay a higher premium and this can result in the driver buying from a lower-cost company. The ads state “people who switch” not “people who quote” save that much. That’s why insurance companies can confidently advertise the way they do. This illustrates why drivers should compare as many rates as you can. It is impossible to predict which insurance companies will fit your personal profile best.

Insurance coverages 101

Understanding the coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring. Listed below are the normal coverages found on most insurance policies.

Liability auto insurance – Liability coverage can cover damage or injury you incur to other’s property or people in an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like medical expenses, court costs, structural damage and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Firebird.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive or Other Than Collision – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, hitting a deer, damage from getting keyed, hitting a bird and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like rehabilitation expenses, funeral costs, X-ray expenses and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Collision coverage – Collision coverage covers damage to your Firebird from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, scraping a guard rail, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

The best insurance company isn’t always the cheapest

You just read some good ideas how to reduce 1997 Pontiac Firebird insurance prices online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may even discover the best prices are with a small mutual company. They may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, Geico and Progressive.

As you restructure your insurance plan, do not reduce needed coverages to save money. There are many occasions where drivers have reduced full coverage and discovered at claim time they didn’t purchase enough coverage. Your aim should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Cheap insurance is definitely available on the web as well as from independent agents, so compare prices from both to have the best chance of lowering rates. Some companies don’t offer online quoting and these small, regional companies work with independent agents.

For more information, feel free to browse the resources below: