Lower Your 1997 Pontiac Firebird Insurance Rates

Looking for cheaper auto insurance rates for your Pontiac Firebird? There isn’t anyone who rejoices having to buy auto insurance, especially when their premiums are too high. Companies like Allstate, Progressive and Geico all promote huge savings with TV and radio ads and consumers find it hard to ignore the promise of big savings and find the best price available.

If you have a policy now or need a new policy, you will benefit by learning to cut your premiums and still get good coverage. Buying car insurance is easy if you know what you’re doing. Consumers just need to learn the best way to buy insurance on the web.

Double check you’re getting with these discounts

The cost of insuring your cars can be expensive, but there are discounts available to cut the cost considerably. Some discounts apply automatically at the time you complete a quote, but a few must be requested specifically before they will apply. If you do not double check each discount possible, you could be saving more on your car insurance.

  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course as it will make them better drivers and lower rates.
  • Claim-Free Discount – Insureds who avoid accidents and claims get the best car insurance rates as opposed to policyholders that have many claims.
  • Discount for Home Ownership – Being a homeowner can help you save on car insurance since home ownership demonstrates responsibility.
  • Anti-theft System – Cars equipped with anti-theft or alarm systems are stolen with less frequency and will qualify for a discount on a auto insurance quote.
  • Life Insurance Discount – Select insurance companies reward you with a discounted premium rate on car insurance if you buy some life insurance too.
  • Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Low Miles Discount – Driving less may allow you to get lower rates due to less chance of an accident.

You should keep in mind that most discounts do not apply to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. Even though the math looks like you can get free auto insurance, you aren’t that lucky.

Large car insurance companies and their offered discounts are included below.

  • Progressive discounts include good student, online quote discount, continuous coverage, homeowner, multi-policy, online signing, and multi-vehicle.
  • AAA has discounts for multi-policy, education and occupation, anti-theft, good driver, AAA membership discount, and multi-car.
  • Farmers Insurance may have discounts that include mature driver, electronic funds transfer, homeowner, early shopping, alternative fuel, and business and professional.
  • Geico offers discounts for good student, five-year accident-free, military active duty, driver training, federal employee, multi-vehicle, and anti-theft.
  • Esurance may include discounts for claim free, renters, multi-car, homeowner, and Pac-12 alumni.
  • SAFECO offers premium reductions for drive less, safe driver, teen safety rewards, anti-lock brakes, anti-theft, accident prevention training, and multi-car.
  • State Farm may offer discounts for Steer Clear safe driver discount, multiple policy, student away at school, good student, defensive driving training, and Drive Safe & Save.

Before purchasing a policy, check with every company to give you their best rates. Some discounts may not apply to policyholders everywhere.

How to buy auto insurance online

There are a lot of ways to compare auto insurance quotes, but one way is less labor-intensive and much quicker. You can waste a few hours (or days) driving to local insurance agents in your area, or you can stay home and use online quoting to quickly compare rates.

Many of the larger companies take part in a program where prospective buyers submit their information once, and each company provides a quote. This system prevents you from having to do quote requests for each company you want a rate for.

To enter your information into the quoting system, click here (opens in new window).

The one disadvantage to doing it this way is you cannot specify which insurance companies you want to price. So if you want to choose specific providers for rate comparison, we have a listing of the cheapest auto insurance companies in your area. View list of insurance companies.

The approach you take is up to you, just make darn sure you compare the same coverages with each company. If you enter different coverage information you will not be able to truly determine the lowest rate.

Your situation helps dictate your coverage

When it comes to buying the best auto insurance coverage for your vehicles, there really is no cookie cutter policy. Each situation is unique and your policy should reflect that. These are some specific questions can aid in determining whether you might need an agent’s assistance.

  • Should I drop comprehensive coverage on older vehicles?
  • Does my insurance cover my expensive audio equipment?
  • Do I need motorclub coverage?
  • Are rental cars covered under my policy?
  • What if I owe more than I can insure my car for?
  • What is UM/UIM insurance?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area. It is quick, free and can provide invaluable advice.

Auto insurance coverages

Having a good grasp of your insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages offered by insurance companies.

Auto liability

This coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like bail bonds, funeral expenses and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, damage from a tornado or hurricane, vandalism and falling objects. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision protection

Collision insurance pays for damage to your Firebird resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sideswiping another vehicle, crashing into a building, scraping a guard rail, driving through your garage door and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like dental work, doctor visits and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as 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. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Get your money’s worth

When shopping online for insurance, make sure you don’t buy less coverage just to save a little money. Too many times, an insured dropped physical damage coverage only to regret that the savings was not a smart move. The ultimate goal is to buy enough coverage at the lowest possible cost and still be able to protect your assets.

We just presented some good ideas how to compare 1997 Pontiac Firebird insurance car insurance rates online. It’s most important to understand that the more you quote auto insurance, the more likely it is that you will get a better rate. You may even find the best price on insurance is with a smaller regional carrier. Regional companies can often insure niche markets at a lower cost compared to the large companies like Progressive or Geico.

Budget-conscious 1997 Pontiac Firebird insurance is definitely available online and also from your neighborhood agents, so get free auto insurance quotes from both of them in order to have the best price selection to choose from. Some companies may not provide price quotes online and these regional insurance providers sell through local independent agents.

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