Cheap 1993 Pontiac Firebird Car Insurance Quotes

Finding low-cost insurance for your Pontiac Firebird can normally be an all-consuming task, but you can learn our insurance coverage buying tips to find lower rates.

There are both good and bad ways to buy insurance coverage and we’ll show you the absolute fastest way to compare rates for your Pontiac and find the lowest possible price either online or from local insurance agents.

You need to compare rates before your policy renews due to the fact that insurance prices change quite often. If you had the lowest price on Firebird insurance a few years ago a different company probably has better rates today. There is lot of inaccurate information about insurance coverage out there, but you can learn some guaranteed methods to stop overpaying for insurance.

Low cost insurance quotes

Effectively comparing insurance prices can take hours if you don’t know the best way to get rate quotes. You could waste a few hours talking to insurance agencies in your area, or you could save time and use online quotes to get prices fast.

The majority of car insurance companies participate in an industry program where prospective buyers submit one quote, and each company can provide price quotes based on that data. This prevents consumers from doing form submissions for every insurance company.

To compare rates using this form now click here (opens in new window).

The only downside to pricing coverage this way is you are unable to specify which companies to receive prices from. If you prefer to choose from a list of companies to request quotes from, we have a page of low cost insurance companies in your area. Click here to view list.

The method you choose is up to you, but make sure you are using the same coverage data for every quote you compare. If your comparisons have higher or lower deductibles it’s not possible to find the best deal for your Pontiac Firebird.

Get cheap rates by getting discounts

Insurance is neither fun to buy or cheap, but you may find discounts that may help make it more affordable. Some discounts will apply at the time of purchase, but a few must be inquired about in order for you to get them.

  • Bundle and Save – If you have multiple policies with one insurance company you will save up to 20% off your total premium.
  • Waiver for an Accident – Not really a discount, but some insurance companies permit an accident before raising your premiums if you have no claims for a specific time period.
  • New Car Discount – Insuring a new car can get you a discount because newer models have to meet stringent safety requirements.
  • More Vehicles More Savings – Insuring multiple vehicles on one policy can reduce the rates for all insured vehicles.
  • E-sign Discounts – Some of the larger companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Braking Control Discount – Cars and trucks equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Onboard Data Collection – Drivers that enable their insurance company to analyze driving habits by installing a telematics device like Allstate’s Drivewise could possibly reduce rates if their driving habits are good.
  • Professional Memberships – Having an affiliation with specific professional or occupational memberships or organizations can get you a small discount on your policy.
  • Anti-theft Discount – Cars, trucks, and SUVs that have factory anti-theft systems are stolen with less frequency and earn discounts up to 10% off your auto insurance quote.
  • Accident-Free Discounts – Drivers who stay claim-free get the best insurance rates in comparison to drivers with a long claim history.

We need to note that most of the big mark downs will not be given to the overall cost of the policy. Most cut the cost of specific coverages such as collision or personal injury protection. So even though you would think all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A few of the larger companies and a partial list of their discounts include:

  • Progressive may have discounts that include good student, continuous coverage, online quote discount, homeowner, multi-policy, and online signing.
  • AAA may include discounts for good student, education and occupation, multi-policy, anti-theft, and good driver.
  • Farmers Insurance policyholders can earn discounts including youthful driver, business and professional, multi-car, bundle discounts, and early shopping.
  • Geico discounts include good student, anti-theft, military active duty, defensive driver, multi-policy, anti-lock brakes, and five-year accident-free.
  • Esurance offers discounts including anti-lock brakes, online shopper, claim free, multi-policy, and good driver.
  • SAFECO has savings for accident prevention training, multi-car, teen safety rewards, teen safe driver, and bundle discounts.
  • State Farm offers premium reductions for good student, Steer Clear safe driver discount, safe vehicle, multiple autos, multiple policy, and good driver.

When getting free auto insurance quotes, it’s a good idea to every prospective company what discounts are available to you. A few discounts may not apply to policyholders in your area. For a list of providers with discount rates, click here.

Your insurance coverage coverage should be tailored to you

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

For instance, these questions may help highlight if your insurance needs might need professional guidance.

  • Can my teen driver be rated on a liability-only vehicle?
  • I have health insurance so do I need medical payments coverage?
  • Do I need more liability coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need an umbrella policy?
  • What is roadside assistance coverage?
  • Does insurance cover tools stolen from my truck?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

How you can control Pontiac Firebird insurance rates

Part of the insurance coverage buying process is learning some of the factors that are used to determine the price you pay for insurance coverage. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that may result in lower premium levels.

Shown below are some of the major factors companies use to determine rates.

  • lapses raise insurance coverage rates – Driving without insurance coverage in place is a big no-no and any future policy may cost more because you let your coverage have a gap. Not only will you pay higher rates, the inability to provide proof of insurance may result in fines or a revoked license. You may need to file a SR-22 with your state department of motor vehicles.
  • Drivers with excellent credit save – Having a bad credit history is a large factor in calculating your insurance coverage rates. People with good credit tend to file fewer claims and have better driving records as compared to drivers with poor credit. So if your credit history leaves room for improvement, you could potentially save money when insuring your 1993 Pontiac Firebird by taking the time to improve your credit score.
  • Your address can push rates up or down – Being located in a small town can be a good thing when talking about insurance coverage. Fewer drivers translates into fewer accident claims and a lower car theft rate. People who live in big cities regularly have congested traffic and a longer drive to work. Higher commute times can result in more accidents.
  • Liability protection claims can be big – A critical coverage on your policy, liability insurance will afford coverage if ever you are determined to be liable for personal injury or accident damage. Your policy’s liability insurance provides legal defense coverage to attempt to prove you were not liable. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
  • Guys pay higher prices – Over time, data shows women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. Both genders are responsible for accidents in similar numbers, but the males tend to have more serious accidents. Not only that, but men also get higher numbers of serious violations like reckless driving and DUI. Teenage male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Premiums drop with age – Older insureds are shown to be more cautious, tend to file fewer claims and tend to be get fewer driving tickets.Drivers with little experience have a tendency to be careless and easily distracted when driving therefore insurance coverage rates are much higher.

Educate yourself about insurance coverages

Learning about specific coverages of insurance aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, fire damage, hitting a deer and theft. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

This coverage covers damage to your Firebird resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, colliding with another moving vehicle, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Pontiac Firebird.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Liability coverage

This coverage protects you from damage that occurs to a person or their property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like attorney fees, pain and suffering, court costs, structural damage and repair bills for other people’s vehicles. How much coverage you buy is your choice, but buy higher limits if possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills such as pain medications, ambulance fees, chiropractic care, dental work and doctor visits. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Buy online or local, you save

Lower-priced 1993 Pontiac Firebird insurance is attainable both online and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers may not offer online price quotes and usually these small insurance companies work with independent agents.

As you go through the steps to switch your coverage, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. Your goal should be to get the best coverage possible at an affordable rate, but do not skimp to save money.

People who switch companies do it for a number of reasons such as not issuing a premium refund, high prices, poor customer service or even policy cancellation. Regardless of your reason for switching companies, finding a new company is less work than it seems.

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