View 1996 Pontiac Firebird Insurance Quotes

Looking for cheaper auto insurance rates for your Pontiac Firebird? Nobody is fond of buying auto insurance, in particular when they could lower their rates if they shopped around. Popular companies such as Allstate, Liberty Mutual and State Farm all promote huge savings with advertising and it is difficult to see through the deception and take the time to shop coverage around.

It is always a good idea to quote other rates before your next renewal because auto insurance prices change regularly. If you had the best rates for Firebird coverage at your last renewal other companies may now be cheaper. There is a lot of wrong information about auto insurance on the internet, but in this article, you’re going to get the best ways to find affordable auto insurance.

Don’t overlook these insurance discounts

Some insurers don’t necessarily list every possible discount in a way that’s easy to find, so we break down both the well known and also the lesser-known discounts that may be available.

  • Discount for Swiching Early – Select insurance companies give a discount for switching policies early. The savings is around 10%.
  • Professional Memberships – Joining specific professional or occupational memberships or organizations may earn a discount on your policy.
  • Paper-free Discount – Certain larger companies may give you up to $50 just for signing your application over the internet.
  • Student in College – Any of your kids who live away from home to go to college and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Discounts for New Vehicles – Adding a new car to your policy can save you some money due to better safety requirements for new model year vehicles.
  • Home Ownership Discount – Owning a house can get you a discount due to the fact that maintaining a home requires a higher level of personal finance.
  • Anti-lock Brake System – Cars and trucks with anti-lock braking systems can avoid accidents so you can save 10 percent or more.
  • Seat Belt Usage – Requiring all passengers to buckle up can save a little off PIP or medical payments premium.
  • Telematics Data – Drivers who agree to allow their company to look at where and when they drive by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they show good driving skills.

Drivers should understand that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. Despite the appearance that you can get free auto insurance, insurance companies wouldn’t stay in business.

Some companies who might offer some of the discounts shown above possibly include:

If you need the cheapest insurance coverage quotes, ask every insurance company which discounts you may be entitled to. A few discounts may not be offered in your area. To see companies with discount rates, click here to view.

Smart consumers can lower insurance rates

The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that help calculate your premiums. When consumers understand what positively or negatively impacts your premiums, this helps enable you to make changes that can help you get better auto insurance rates. Multiple criteria are taken into consideration when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, although some other factors are more transparent like where you live or your commute time.

  • Does your employer cost you more? – Occupational choices like real estate brokers, social workers and emergency personnel tend to pay the highest average rates due to job stress and long work days. On the flip side, careers such as scientists, students and performers receive lower rates for Firebird coverage.
  • Rural areas have lower prices – Residing in a rural area can save you money when shopping for auto insurance. Drivers who live in large cities tend to have much more traffic and higher rates of accident claims. Lower population translates into fewer accident claims in addition to fewer liability claims.
  • Safer the car lower the rate – Vehicles that have high safety ratings tend to have lower insurance rates. Vehicles engineered for safety reduce injuries and better occupant protection translates directly to fewer claims which can result in lower premiums. If the Pontiac Firebird scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Good credit equals lower prices – Having a bad credit score is likely to be a major factor in calculating your auto insurance rates. Therefore, if your credit is lower than you’d like, you could potentially save money when insuring your 1996 Pontiac Firebird by repairing your credit. People that have very high credit ratings tend to file fewer claims and have better driving records than drivers with bad credit.
  • Single drivers take more risk – Having a wife or husband may save some money on your policy. It may mean you are more stable financially and statistics show married drivers get in fewer accidents.
  • Keep claims to a minimum – If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance companies provide lower rates to insureds who do not rely on their insurance for small claims. Your car insurance is intended to be relied upon for more catestrophic claims.
  • Long commutes cost more – The more miles you rack up on your Pontiac in a year the more it will cost to insure it. Most insurance companies calculate prices based upon how the vehicle is primarily used. Autos left parked in the garage receive better premium rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance coverage is showing the correct driver usage. An improperly rated Firebird is throwing money out the window.
  • Men are more aggressive – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Both genders cause accidents at a similar rate, but men cause more damage. Not only that, but men also have more aggressive citations like reckless driving and DUI. Males from age 16 to 21 tend to get in the most accidents so they pay the highest premiums.

When to get professional advice

When it comes to buying the best auto insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that might point out whether you may require specific advice.

  • Is my 1996 Pontiac Firebird covered for smoke damage?
  • What is an SR-22 filing?
  • How can I force my company to pay a claim?
  • Are my friends covered when driving my car?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • When should I drop full coverage on my 1996 Pontiac Firebird?
  • Do I benefit by insuring my home with the same company?
  • Is my vehicle covered by my employer’s policy when using it for work?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

What auto insurance coverages do you need?

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most auto insurance policies.

Comprehensive auto insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, falling objects, a broken windshield and damage from flooding. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like prosthetic devices, ambulance fees, X-ray expenses, pain medications and doctor visits. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability

This coverage provides protection from damage that occurs to other people or property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as funeral expenses, structural damage and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from a collision 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 insurance covers claims like colliding with a tree, scraping a guard rail and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

And the best car insurance company is…

Lower-priced 1996 Pontiac Firebird insurance is attainable from both online companies and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture. A few companies may not provide online price quotes and many times these smaller providers only sell through local independent agents.

We just covered quite a bit of information on how to compare 1996 Pontiac Firebird insurance prices online. It’s most important to understand that the more you quote insurance coverage, the better chance you’ll have of finding the cheapest insurance coverage. Consumers may even find the best price on car insurance is with the least-expected company. Some small companies often have lower rates on specific markets than their larger competitors like State Farm, Geico and Nationwide.

Additional detailed information is located in the articles below: