Are you a victim of an underperforming, overpriced auto insurance policy? Trust us when we tell you you’re not the only one. Companies like State Farm, GEICO and Farmers Insurance continually hit you with fancy advertisements and consumers find it hard to separate fact from fiction and effectively compare rates to find the best deal.
It’s important to check auto insurance prices before your policy renews because insurance rates change frequently. If you had the best rates for Firebird insurance on your last policy the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the fastest way to properly buy coverages while reducing your premium.
Lowering your 2002 Pontiac Firebird insurance rates is not a difficult process. The only thing you need to do is spend a few minutes on the computer comparing rate quotes online from several insurance companies. It is quite easy and can be accomplished in several different ways.
For a list of links to companies insuring cars in your area, click here.
It doesn’t matter which method you choose, just make absolute certain that you use identical coverage limits for every quote you compare. If you compare differing limits then you won’t be able to decipher which rate is best.
Auto insurance companies don’t list every discount in an easy-to-find place, so the following is a list of some of the best known and the more hidden discounts you could be receiving. If they aren’t giving you every credit you deserve, you’re paying more than you need to.
Drivers should understand that most discount credits are not given to the entire cost. Most cut specific coverage prices like collision or personal injury protection. Even though it may seem like you could get a free car insurance policy, you won’t be that lucky.
Companies that may have these discounts include:
It’s a good idea to ask all companies you are considering how you can save money. Some discounts might not be offered in your area.
When it comes to buying coverage, there really is no one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.
If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.
Having a good grasp of your auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by auto insurance companies.
Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for bills such as ambulance fees, rehabilitation expenses and nursing services. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Pontiac Firebird.
Since many drivers 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 should not be overlooked.
Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for claims like theft, falling objects, vandalism, damage from getting keyed and hitting a bird. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like sideswiping another vehicle, damaging your car on a curb, colliding with a tree, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.
Liability auto insurance – Liability insurance will cover injuries or damage you cause to other’s property or people by causing an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.
Liability can pay for claims such as medical services, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.