Lower Your 2000 Pontiac Firebird Insurance Rates

Buyers have options when searching for affordable Pontiac Firebird insurance. They can either waste time driving around to compare prices or leverage the internet to find the lowest rates. There is a right way and a wrong way to buy auto insurance so we’re going to tell you the absolute fastest way to compare rates for your Pontiac and get the best price possible.

It’s a good idea to get comparison quotes yearly because insurance rates change frequently. Even if you got the best rates for Firebird insurance six months ago there may be better deals available now. You can find a lot of misleading information regarding auto insurance online, so by reading this article, you’re going to learn the best ways to put money back in your pocket.

If you have insurance now or are looking for a new policy, you will benefit by learning to find the best rates and possibly find even better coverage. The purpose of this article is to help educate you on how to effectively get price quotes and some tips to save money. Consumers only need an understanding of the proper way to get comparison rates online.

Lesser-known factors impacting Pontiac Firebird insurance rates

An important part of buying insurance is that you know the factors that come into play when calculating insurance coverage rates. Knowing what determines base rates allows you to make educated decisions that will entitle you to lower insurance coverage prices.

The list below includes some of the factors companies use to determine prices.

  • Lower deductibles cost more – Physical damage deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered would be running into the backend of another car, damage from fire, or theft. The more money the insured has to pay upfront, the less your insurance coverage will be for Firebird insurance.
  • Careful drivers pay lower rates – Drivers with clean records get better rates compared to drivers with tickets. Even a single citation may increase your cost twenty percent or more. If you have flagrant violations like hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form to the state department of motor vehicles in order to keep their license.
  • Do you have enough liability coverage? – Liability coverage will protect you if ever you are found liable for damages from an accident. Liability provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • Do you know you’re credit rating? – Your credit history is a important factor in calculating your insurance coverage rates. If your credit score is not that good, you could pay less to insure your 2000 Pontiac Firebird by repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with lower credit scores.
  • Save money with special equipment – Driving a car with a theft deterrent system can save you a little every year. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
  • Add-on coverages can add up – There are a ton of extra coverages you can purchase if you aren’t careful. Insurance for roadside assistance, better glass coverage and motor club memberships are examples of these. They may seem like a good idea when talking to your agent, but if you don’t need them eliminate the coverages to reduce your premium.
  • Men are more aggressive – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. They both have accidents at a similar rate, but men tend to have more serious accidents. Men also get cited for more serious violations such as reckless driving.
  • Your location affects your rates – Residing in small towns and rural areas has it’s advantages when buying insurance coverage. Urban drivers have congested traffic and longer commutes to work. Less people living in that area translates into fewer accidents and a lower car theft rate.

Discounts are basically free money

Auto insurance companies don’t always advertise every discount in a way that’s easy to find, so the following is a list of both well-publicized and also the lesser-known ways to save on insurance. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Good Student – Performing well in school can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • College Student – Any of your kids who live away from home and do not have a car can be insured at a reduced rate.
  • Military Rewards – Having a deployed family member can result in better rates.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less for Firebird insurance than drivers with accident claims.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you will save at least 10% off all policies.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. Even though it may seem like you can get free auto insurance, companies don’t profit that way.

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

Which insurance is the “right” coverage?

When it comes to choosing the best insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Do I have any recourse if my insurance company denies a claim?
  • Should I buy additional glass protection?
  • Who is covered when they drive my 2000 Pontiac Firebird?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does my car insurance cover rental cars?
  • Should I drop comprehensive coverage on older vehicles?
  • Will I lose any money if I cancel my policy before it expires?
  • Is my state a no-fault state?
  • Is my custom paint covered by insurance?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Insurance policy coverages for a 2000 Pontiac Firebird

Learning about specific coverages of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage protection

Collision coverage will pay to fix damage to your Firebird resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a mailbox, crashing into a building, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Auto liability insurance

Liability coverage provides protection from damage that occurs to people or other property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy 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 limit of $100,000 paid for damaged property.

Liability coverage pays for things like pain and suffering, structural damage, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills for pain medications, dental work and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from flooding, hitting a deer, falling objects, hail damage and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Pontiac Firebird.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Quote more. Save more.

When you buy insurance online, you should never reduce needed coverages to save money. There have been many situations where an insured cut full coverage only to regret that it was a big error on their part. The proper strategy is to buy a smart amount of coverage at the best price, not the least amount of coverage.

Consumers who switch companies do it for a variety of reasons including extreme rates for teen drivers, delays in paying claims, high rates after DUI convictions and poor customer service. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.

Discount 2000 Pontiac Firebird insurance is possible online as well as from independent agents, so compare prices from both in order to have the best price selection to choose from. A few companies don’t offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

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