Looking for lower auto insurance rates for your Pontiac Firebird? Are you overwhelmed by the dozens of auto insurance companies? Lot’s of other consumers are too. Drivers have so many companies to choose from that it can be a ton of work to find better rates.
Companies that sell car insurance don’t always advertise every available discount very well, so we researched some of the best known and the harder-to-find discounts you could be receiving.
It’s important to note that some of the credits will not apply to the entire cost. Some only reduce individual premiums such as comprehensive or collision. So when the math indicates all the discounts add up to a free policy, you’re out of luck.
A partial list of companies who might offer these discounts include:
Before buying, ask each company how you can save money. Some discounts may not apply everywhere.
There are a lot of ways you can shop for insurance but there is one way that is less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you could use online quotes to get prices fast.
Most major companies take part in a program where insurance shoppers submit one quote, and each participating company provides a quote based on that data. This saves time by eliminating quotation requests for each company. To get comparison pricing now click here to start a free quote.
The only drawback to using this type of form is that you can’t choose the providers you want pricing from. So if you want to select from a list of companies for rate comparison, we have assembled a list of companies who write insurance in your area. View list of insurance companies.
It’s up to you how you get prices quotes, just double check that you are using identical coverage information for each comparison quote. If each company quotes different liability limits then you won’t be able to find the best deal for your Pontiac Firebird. Quoting even small variations in limits may result in large price differences. Keep in mind that more quotes will increase your chances of finding better pricing.
It’s important that you understand the different types of things that go into determining the rates you pay for auto insurance. Knowing what influences your rates enables informed choices that will entitle you to much lower annual insurance costs.
Listed below are a few of the “ingredients” auto insurance companies consider when setting prices.
When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique.
For instance, these questions may help you determine if you may require specific advice.
If you can’t answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form.
Understanding the coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.
Coverage for medical payments – Med pay and PIP coverage reimburse you for expenses for things like hospital visits, rehabilitation expenses and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like backing into a parked car, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.
Liability – This coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which means 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 coverage pays for claims such as repair bills for other people’s vehicles, funeral expenses, emergency aid and medical expenses. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.
Uninsured and underinsured coverage – Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Firebird.
Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
Comprehensive coverages – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as damage from getting keyed, hitting a deer, hail damage, vandalism and hitting a bird. The highest amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
When you buy insurance online, don’t be tempted to reduce needed coverages to save money. In many instances, someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. The ultimate goal is to find the BEST coverage at a price you can afford.
Cheaper 2001 Pontiac Firebird insurance can be bought both online and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. Some companies may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.
We just presented many tips how you can save on insurance. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the biggest savings come from some of the smallest insurance companies.
Even more information can be read by following these links: