1990 Pontiac Firebird Car Insurance Rates

Have you had enough of robbing Peter to pay Paul to keep your car insured? Your situation is no different than most other drivers.

Insurance companies such as State Farm, Geico and Farmers Insurance all promote huge savings with ad campaigns and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.

It’s a good habit to quote other rates at least once a year due to the fact that insurance prices are variable and change quite frequently. If you had the best deal for Firebird coverage last year there is a good chance you can find better rate quotes now. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to how to use online quotes to find better coverage at a better price.

More affordable rates with discounts

Some companies don’t always publicize all their discounts in an easy-to-find place, so we researched some of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy car insurance online.

  • Driving Data Discount – Insureds that choose to allow driving data submission to analyze driving manner remotely like Allstate’s Drivewise could save a few bucks if they exhibit good driving behavior.
  • Paperwork-free – Many insurance companies may give you up to $50 for buying your policy online.
  • Own a Home and Save – Simply owning a home may trigger a policy discount on insurance because it is proof of financial responsibility.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are much safer to drive so companies give up to a 10% discount.
  • Resident Student – Kids who live away from home to go to college and do not have a car could qualify for this discount.
  • Drive Less and Save – Driving less could qualify for slightly better premium rates than normal.
  • Accident Free – Drivers who don’t have accidents have much lower rates as opposed to insureds who have frequent claims or accidents.
  • First Accident Forgiveness – Not really a discount, but some insurance companies permit an accident without getting socked with a rate hike so long as you are claim-free before the accident.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices help deter theft and will save you 10% or more.
  • Driver’s Education for Students – Have your child enroll and complete driver’s education in high school.

Don’t be surprised that most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will definitely reduce your policy premium.

Companies and a partial list of their discounts are detailed below.

  • State Farm discounts include passive restraint, Steer Clear safe driver discount, defensive driving training, multiple policy, multiple autos, and good driver.
  • American Family has savings for mySafetyValet, air bags, bundled insurance, accident-free, and good student.
  • AAA has discounts for multi-car, multi-policy, education and occupation, good driver, AAA membership discount, good student, and pay-in-full.
  • Geico may have discounts that include emergency military deployment, good student, federal employee, anti-lock brakes, anti-theft, and five-year accident-free.
  • Mercury Insurance policyholders can earn discounts including professional/association, multi-car, ease of repair, multi-policy, and location of vehicle.
  • Farmers Insurance may include discounts for good student, multi-car, pay in full, youthful driver, bundle discounts, alternative fuel, and teen driver.
  • Progressive offers premium reductions for multi-vehicle, good student, online quote discount, homeowner, online signing, continuous coverage, and multi-policy.

Before buying, ask each company or agent which discounts can lower your rates. All car insurance discounts may not be offered in every state. To locate insurers with the best insurance discounts, click this link.

What is the best insurance coverage coverage?

When it comes to buying adequate coverage, there really is not a cookie cutter policy. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that might point out if your insurance needs would benefit from an agent’s advice.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I have newly-aquired coverage?
  • Do I really need UM/UIM coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • Is my Pontiac Firebird covered if I use it for business?
  • Where can I find DUI or SR-22 insurance?

If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Auto insurance coverages

Learning about specific coverages of insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverages offered by insurance companies.

Collision coverage

This coverage will pay to fix damage to your Firebird caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sideswiping another vehicle, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as hospital visits, dental work, X-ray expenses, EMT expenses and doctor visits. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Pontiac Firebird.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, falling objects, hitting a bird and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover 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. Your policy might show policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things such as pain and suffering, structural damage, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Save for a rainy day

As you restructure your insurance plan, it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. The goal is to get the best coverage possible at the best possible price and still be able to protect your assets.

Some insurance companies may not offer online quoting and usually these small insurance companies provide coverage only through independent agencies. Lower-priced 1990 Pontiac Firebird insurance is available on the web as well as from independent agents, and you need to price shop both to have the best selection.

Additional auto insurance information can be found at the links below