1993 Pontiac Firebird Insurance Rates

Drivers have lots of choices when trying to find affordable Pontiac Firebird insurance. They can either spend hours driving around getting price quotes or save time using the internet to compare rates.

There is a right way and a wrong way to buy insurance and you need to know the absolute fastest way to compare rates on a Pontiac and locate the lowest price.

The purpose of this post is to instruct you on the best way to quote coverages and some money-saving tips. If you currently have car insurance, you will be able to reduce your rates substantially using these techniques. Drivers just need to understand the proper methods to shop their coverage around online.

Car Insurance Quote Comparison

All the larger car insurance companies such as Progressive, GEICO, Allstate and State Farm allow you to get insurance quotes on the web. Getting online quotes is quite simple as you simply enter your required coverages as detailed in the form. Once you submit the form, the company’s rating system obtains your credit score and driving record and returns a price.

Online price quotes makes it a lot easier to compare rates but the work required to visit each company’s website and repetitively enter the same data into a form can be a bit tiresome and repetitive. But it’s very important to have as many quotes as possible if you are searching for the lowest possible prices on car insurance.

A more efficient way to get multiple rate quotes is to use a quote form that gets prices from a lot of companies. This type of form saves time, reduces the work, and makes comparison shopping a little more enjoyable. After sending the form, your coverage is rated and you are able to buy your choice of the quote results.

If the quotes result in lower rates, you can simply submit the application and buy the policy. The whole process takes just a few minutes to complete and could lower your rates considerably.

To quickly find out how much you’re overpaying now, simply click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you replicate your coverages as close as possible to your current policy. Using the same limits helps guarantee you’re receiving a rate comparison for similar insurance coverage.

Do drivers who switch really save $409 a year?

Consumers can’t get away from ads for car insurance savings from the likes of Progressive, GEICO, Allstate and State Farm. All the companies make the same claim of big savings if you change your coverage to them.

How does each company make almost identical claims? This is how they do it.

Insurance companies have a preferred profile for the driver that makes them money. For example, a driver they prefer might be between the ages of 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters gets the lowest rates and is almost guaranteed to save when switching.

Consumers who do not match the “perfect” profile must pay more money and this can result in the customer not buying. The ads say “customers that switch” not “everyone that quotes” save that much. That is how insurance companies can claim big savings.

This illustrates why drivers must compare many company’s rates. It’s just too difficult to predict which insurance companies will give you the biggest savings on Pontiac Firebird insurance.

These factors can influence Pontiac Firebird insurance rates

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 enables informed choices that could result in better auto insurance rates.

Listed below are some of the items auto insurance companies consider when setting premiums.

  • Lower rates come with age – Young drivers tend to be careless and easily distracted in a vehicle so they pay higher auto insurance rates. Mature drivers are more cautious drivers, tend to file fewer claims and get fewer tickets.
  • Rates may be higher depending on your occupation – Did you know your job can affect your rates? Occupations like real estate brokers, social workers and dentists tend to have the highest average rates attributed to job stress and lengthy work days. Other occupations such as actors, historians and homemakers receive lower rates for Firebird insurance.
  • Pay less if you’re married – Being married helps lower the price on auto insurance. Marriage means you’re more mature it has been statistically shown that married couples file fewer claims.
  • More miles equals more premium – The more you drive in a year’s time the more you will pay for auto insurance. Most companies rate vehicles based upon how you use the vehicle. Vehicles not used for work or commuting get more affordable rates than those used for commuting. Improper usage on your Firebird can cost quite a bit. Ask your agent if your auto insurance policy properly reflects the correct driver usage.
  • A clean driving record saves money – A bad driving record impacts your car insurance rates tremendously. Even one moving violation may increase your cost forty percent or more. Drivers with clean records have lower premiums than bad drivers. If you have serious violations like hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state DMV in order to continue driving.
  • Where you live is a factor – Residing in small towns and rural areas can be a good thing when it comes to auto insurance. Urban drivers regularly have much more traffic and longer commute times. Less people living in that area translates into fewer accidents.

Take advantage of discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not know about. A few discounts will automatically apply when you get a quote, but some must be specially asked for in order for you to get them. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Sign Online – A handful of insurance companies will give a small break for buying your policy online.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Homeowners Discount – Being a homeowner can help you save on auto insurance due to the fact that maintaining a home is proof that your finances are in order.
  • Lower Rates for Military – Having a family member in the military can result in better rates.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off for Firebird insurance with a few auto insurance companies.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Driver’s Ed – Have your child take driver’s ed class in high school.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way. But any discount will bring down the amount you have to pay.

To see a list of providers who offer auto insurance discounts, click here.

How to know if you need help

When buying the right insurance coverage, there really is no “best” method to buy coverage. Every situation is different.

For instance, these questions can aid in determining if your insurance needs may require specific advice.

  • Can I afford to buy a different vehicle if my 1993 Pontiac Firebird is totaled?
  • Are rock chip repairs covered?
  • Should I bundle my homeowners policy with my auto?
  • Do I need higher collision deductibles?
  • Is extra glass coverage worth it?
  • How can I force my company to pay a claim?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered when using my vehicle for business?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages explained

Having a good grasp of your car insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability insurance – Liability coverage will cover injuries or damage you cause to other people or property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as funeral expenses, emergency aid, medical expenses, bail bonds and legal defense fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

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

Comprehensive insurance covers things like damage from a tornado or hurricane, hail damage and damage from flooding. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for bills such as chiropractic care, rehabilitation expenses and hospital visits. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

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

Collision coverage pays for things such as backing into a parked car, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

UM/UIM Coverage – This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Stretch your dollar

Affordable 1993 Pontiac Firebird insurance is attainable on the web as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some auto insurance companies don’t offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

In this article, we presented many ideas to save on insurance. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Drivers may discover the best price on auto insurance is with the least-expected company.

While you’re price shopping online, do not buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut uninsured motorist or liability limits only to find out they didn’t purchase enough coverage. Your goal should be to find the BEST coverage for the lowest price, not the least amount of coverage.

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