2002 Pontiac Firebird Insurance Quotes

Searching for cheaper insurance coverage rates for your Pontiac Firebird? Nobody I know looks forward to paying for insurance coverage, especially knowing the price is too high. Big-name insurance companies like Progressive, State Farm and Geico increase brand awareness with fancy advertisements and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.

It’s a good idea to shop coverage around on a regular basis because prices are usually higher with each renewal. Despite the fact that you may have had the best rates for Firebird insurance on your last policy you will most likely find a better rate today. Forget all the misinformation about insurance coverage because you’re about to learn one of the easiest ways to get good coverage at a lower rate.

If you have a current insurance coverage policy or are looking for a new policy, you will benefit by learning to get lower rates while maximizing coverage. Finding affordable coverage is quite easy. Drivers only need an understanding of the proper methods to compare price quotes on the web.

The quickest way to compare car insurance rates is to understand all the major auto insurance companies provide online access to provide you with a free rate quote. To get started, all you need to do is take a few minutes to give details like what you do for a living, whether you drive to work or school, if a SR-22 is required, and if the vehicle is leased. Those rating factors is then sent to many highly-rated insurers and you should receive rate quotes within a short period of time.

To compare rates for a Pontiac Firebird now, click here and complete the form.

Policy discounts you shouldn’t miss

Companies offering auto insurance don’t always advertise all their discounts very clearly, so we took the time to find some of the more common and the harder-to-find insurance savings. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Student in College – Youth drivers who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • One Accident Forgiven – Some insurance companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Driver Safety – Successfully completing a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Pontiac can qualify you for better rates on cars that stay parked.
  • Accident Free – Claim-free drivers can save substantially compared to drivers who are more careless.
  • Multi-car Discount – Insuring more than one vehicle with the same company may reduce the rate for each vehicle.

Drivers should understand that some credits don’t apply to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. So when it seems like you could get a free insurance policy, insurance companies aren’t that generous.

For a list of companies who offer insurance discounts, follow this link.

Insurance agents can help

When buying the best auto insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions may help you determine if your insurance needs might need an agent’s assistance.

  • Am I covered if I hit my neighbor’s mailbox?
  • What can I do if my company denied a claim?
  • Is business equipment covered while in my vehicle?
  • Is my teen driver covered when they drive my company car?
  • Can I still get insurance after a DUI?
  • Am I covered when driving in Canada or Mexico?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Pontiac Firebird insurance premiums are calculated by many factors

Consumers need to have an understanding of the factors that go into determining the rates you pay for auto insurance. Understanding what influences your rates empowers consumers to make smart changes that may reward you with better auto insurance rates.

  • Add-on coverages can add up – There are a ton of extra bells and whistles that you can get tricked into buying on your Firebird policy. Coverages for roadside assistance, accidental death and membership fees are some examples. These coverages may sound good when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Are you male or female? – Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men tend to get into accidents at a similar rate, but the males have costlier accidents. They also have more aggressive citations like reckless driving and DUI. Youthful male drivers are the most expensive to insure and are penalized with high auto insurance rates.
  • Never go without insurance – Driving without insurance can get your license suspended and you will pay a penalty because you let your insurance expire. And not only will your rates increase, but being ticketed for driving with no insurance may earn you a revoked license or a big fine.You may then be required to prove you have insurance by filing a SR-22 with your state DMV.
  • Keep rates low by being claim-free – Insurance companies award lower rates to policyholders who file claims infrequently. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance is designed for major claims that would cause financial hardship.
  • Rates may be higher depending on your occupation – Occupations such as real estate brokers, architects and accountants tend to have higher rates than average because of high stress levels and long work hours. On the flip side, occupations like scientists, athletes and the unemployed receive lower rates for Firebird insurance.

Ads can be misleading

Consumers constantly see and hear ads for cheaper car insurance from companies such as Allstate and Progressive. All the ads say the same thing that you’ll save big if you switch your policy.

How do they all make the same claim?

Different companies have a preferred profile for the type of driver that is profitable for them. For example, a profitable customer might be over the age of 40, has no prior claims, and drives newer vehicles. Any driver who fits that profile gets the lowest rates and as a result will probably cut their rates substantially.

Potential insureds who don’t qualify for the “perfect” profile will have to pay more money and this can result in the customer not buying. The ads say “customers who switch” not “everyone that quotes” save that much money. That’s why insurance companies can advertise the way they do. Because of the profiling, you absolutely need to quote coverage with many companies. It’s not possible to predict which insurance company will have the lowest Pontiac Firebird insurance rates.

Car insurance policy coverages for a Pontiac Firebird

Having a good grasp of car insurance aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types offered by car insurance companies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for funeral costs, ambulance fees and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive car insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, damage from flooding, a broken windshield, vandalism and hitting a bird. The highest amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision protection

Collision insurance will pay to fix damage to your Firebird resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a building, colliding with a tree, sideswiping another vehicle, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Pontiac Firebird.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Liability car insurance

Liability insurance can cover damage that occurs to other people or property in an accident. This coverage protects you against other people’s claims. 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. Your policy might show limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things like attorney fees, structural damage, repair bills for other people’s vehicles, emergency aid and bail bonds. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Affordable insurance is out there

While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. There are too many instances where someone dropped uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

We covered a lot of information how to lower your 2002 Pontiac Firebird insurance rates. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. Consumers could even find that the best price on insurance coverage is with a smaller regional carrier. Some small companies may have significantly lower rates on certain market segments than their larger competitors like Allstate and Progressive.

Even more information is located by following these links: