Save on 1995 Pontiac Firebird Insurance Cost

Looking for lower auto insurance rates for your Pontiac Firebird? If you’re trying to find lower-priced insurance on the web, do you get overwhelmed by the crazy number of auto insurance choices? There are such a large number of options that it can easily turn into a big hassle to locate the lowest auto insurance rates.

Pontiac Firebird insurance cost factors

A large part of saving on insurance is knowing a few of the rating criteria that are used to determine insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to lower rates.

The list below includes some of the items utilized by car insurance companies to help set your prices.

  • GPS tracking and theft deterrents lowers rates – Choosing to buy a car with a theft deterrent system can help lower your premiums. Theft deterrent systems such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent car theft and help bring rates down.
  • Raise coverage deductibles and save – Protection for physical damage, also called ‘full coverage’, insures against damage to your Pontiac. A few examples of covered claims could be collision with another vehicle, vandalism, and having your car stolen. Comprehensive and collision coverage deductibles are the amount of money you are willing to pay out-of-pocket before your insurance pays a claim. The more money you pay before a claim is paid (deductible), the lower your rates will be for Firebird coverage.
  • Insure car and home with the same company – Some insurers provide better rates to buyers who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be ten percent or more. Even with this discount applied, it’s always a smart idea to compare rates to help ensure you have the lowest rates.
  • Stay claim-free and lower rates – Companies generally give better rates to people who are not frequent claim filers. If you’re an insured who likes to file claims you can pretty much guarantee either higher rates or even cancellation. Auto insurance is designed for the large, substantial claims.
  • Gender is a factor – The statistics show women are more cautious behind the wheel. Now that doesn’t mean males are worse at driving than females. Men and women are responsible for accidents at about the same rate, but guys have accidents that have higher claims. Men also statistically get ticketed for serious violations like reckless driving and DUI.
  • Safer vehicles are cheaper to insure – Cars with five star safety ratings get lower rates. These vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders.
  • Older drivers pay less – Older, more experienced drivers are proven to be safer behind the wheel, statistically cause fewer accidents and get fewer tickets.Drivers with little experience tend to be easily distracted when driving with friends so insurance rates are higher.

How to get free car insurance quotes online

There are a variety of methods you can shop for car insurance but some are less time-consuming than others. You could waste time talking to insurance companies in your area, or you can utilize the internet to get rates in a matter of minutes.

Most car insurance companies enroll in a system that allows shoppers to send in one quote, and every company returns a rated price for coverage. This system prevents you from having to do quote forms for each company.

To fill out one form to compare multiple rates now click to open in new window.

The only downside to doing it this way is you can’t choose which providers you want to price. So if you want to select from a list of companies to receive pricing from, we have a listing of low cost car insurance companies in your area. Click to view list.

However you get your quotes, do your best to enter the exact same coverage limits and deductibles on every price quote you get. If you compare different liability limits it will be next to impossible to decipher which rate is best. Slightly different insurance coverages or limits can make a big difference in price. Just keep in mind that having more price comparisons helps improve the odds of finding more affordable insurance. Not every company does price estimates online, so you need to compare price quotes from them, too.

But the ad said I’d save 15% in 15 minutes!

Progressive, Allstate and Geico endlessly run television and radio advertisements. They all seem to make an identical promise that people will save if you switch your policy. How does every insurance coverage company offer drivers better rates? This is the way they can do it.

Insurance providers require specific criteria for the driver that will be a good risk. For example, this type of insured might be a married female, has never had a claim, and has a short commute. A customer getting a price quote who matches those parameters is entitled to the best price and will also save quite a bit of money when switching.

Insureds who do not meet these criteria will get higher rates and ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “all people who quote” save that kind of money. That is how insurance companies can confidently advertise the savings.

This really emphasizes why it’s extremely important to compare as many free car insurance quotes as you can. It’s just too difficult to predict with any certainty which company will give you the biggest savings.

Get cheaper rates with discounts

Car insurance is not an enjoyable expense, but there could be significant discounts that many people don’t even know exist. Some trigger automatically at quote time, but once in a while a discount must be inquired about before they will apply. If you check and find you aren’t receiving every discount you deserve, you are just wasting money.

  • Save with a New Car – Insuring a vehicle that is new can cost up to 25% less because newer vehicles keep occupants safer.
  • Military Discounts – Being deployed in the military may qualify for rate reductions.
  • Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may get savings of up to 25% or more.
  • Defensive Driver Discounts – Taking part in a defensive driver course could earn you a small percentage discount and easily pay for the cost of the class.
  • Discount for Life Insurance – Select insurance companies reward you with a lower car insurance rate if you buy a life policy as well.

As a footnote on discounts, most credits do not apply to the entire cost. A few only apply to the cost of specific coverages such as medical payments or collision. Even though it appears you could get a free car insurance policy, car insurance companies aren’t that generous. But all discounts will definitely reduce the cost of your policy.

Some companies who may offer many of the previously listed discounts include:

When getting a coverage quote, ask all the companies which discounts you may be entitled to. All car insurance discounts may not apply to policies in your area. To locate companies that offer some of these discounts, click here.

What is the best insurance coverage coverage?

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions can help discover whether or not you might need professional guidance.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Are my friends covered when driving my 1995 Pontiac Firebird?
  • Is my teen driver covered when they drive my company car?
  • Am I covered when using my vehicle for business?
  • Am I covered if hit by an uninsured driver?
  • What are the best liability limits?
  • Can I still get insurance after a DUI?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Specific coverage details

Understanding the coverages of a auto insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Collision coverage

This coverage covers damage to your Firebird resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like crashing into a ditch, sideswiping another vehicle, sustaining damage from a pot hole, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Liability car insurance

This coverage protects you from injuries or damage you cause to other’s property or people. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like funeral expenses, loss of income and court costs. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Pontiac Firebird.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as theft, hitting a bird, vandalism, damage from a tornado or hurricane and damage from flooding. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like ambulance fees, pain medications, surgery and X-ray expenses. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Make a quick buck

While you’re price shopping online, do not buy poor coverage just to save money. In many instances, someone sacrificed physical damage coverage only to discover later that it was a big error on their part. Your objective should be to buy the best coverage you can find at an affordable rate.

Drivers change insurance companies for a number of reasons such as policy cancellation, lack of trust in their agent, high prices and being labeled a high risk driver. It doesn’t matter what your reason, finding a new company is pretty easy and you might even save some money in the process.

The cheapest 1995 Pontiac Firebird insurance is attainable on the web and from local agencies, and you should compare price quotes from both to have the best selection. Some insurance companies may not have rate quotes online and usually these regional carriers prefer to sell through independent agents.

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