Searching for lower insurance rates for your Pontiac Firebird? Did you fall for a flashy sales pitch and buy high-priced insurance? Trust us, there are lots of people in the same boat. There are many insurers to choose from, and although it’s a good thing to have a selection, having more insurance companies makes it harder to find a good deal.
All the larger car insurance companies such as Progressive, GEICO, Allstate and State Farm provide coverage price quotes directly from their websites. Getting online quotes is fairly straightforward as you simply enter the amount of coverage you want into a form. After you submit the form their system orders credit information and your driving record and generates pricing information based on these factors. Online price quotes simplifies rate comparisons, but the time required to go to each company’s website and repetitively complete many quote forms can be a bit tiresome and repetitive. But it’s absolutely necessary to have as many quotes as possible in order to get the lowest price.
A less time-consuming method to lower your rates makes use of a single form to return rates from a lot of companies. The form is fast, eliminates repetitive work, and makes online shopping much more enjoyable. Immediately after you send the form, it gets priced and you can select any of the price quotes you receive. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. This process takes less than 15 minutes and you will find out if you’re overpaying now.
To use this form to compare rates, click here and enter your vehicle and coverage information. If you have coverage now, it’s recommended you duplicate deductibles and limits exactly as they are listed on your policy. Doing this guarantees you will have a rate comparison for similar insurance coverage.
When choosing the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions might point out if your situation would benefit from professional advice.
If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.
Knowing the specifics of your policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverages offered by auto insurance companies.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1995 Pontiac Firebird.
Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.
Collision coverage 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 then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as scraping a guard rail, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.
Comprehensive auto coverage
Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as hail damage, hitting a deer and damage from a tornado or hurricane. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for surgery, prosthetic devices, nursing services, rehabilitation expenses and chiropractic care. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
This provides protection from damage that occurs to other’s property or people in an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability can pay for things like attorney fees, bail bonds, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is your choice, but buy higher limits if possible.