Save on 1999 Pontiac Firebird Car Insurance Cost

Searching for better car insurance rates for your Pontiac Firebird? Getting budget-priced car insurance may seem to be problematic for vehicle owners who are new to comparison shopping over the internet. Because there are so many online companies, how are vehicle owners expected to have time to compare all the different companies and get the best pricing?

Take policy discounts and save

Insuring your vehicles can cost a lot, but you can get discounts that many people don’t even know exist. Certain discounts will be applied at quote time, but some discounts are required to be inquired about before you get the savings.

  • Senior Discount – Older drivers may receive a small decrease in premiums for Firebird coverage.
  • Homeowners Discount – Simply owning a home can save a few bucks because it is proof of financial responsibility.
  • Include Life Insurance and Save – Some insurance companies give a break if you buy life insurance.
  • Multi-Vehicle Discounts – Drivers who insure primary and secondary vehicles on the same insurance policy could earn a price break for each car.
  • Government Employees – Simply working for the federal government could provide a small rate reduction for Firebird coverage with some insurance companies.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills is a good idea and can lower rates and easily recoup the cost of the course.
  • Active Military Service – Having a deployed family member could be rewarded with lower premium rates.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and earn discounts up to 10% off your auto insurance quote.
  • Early Renewal Discounts – Some companies give discounts for switching to them prior to the expiration date on your current policy. This can save 10% or more.

One last thing about discounts, most discount credits are not given to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. Just because it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Larger insurance companies and their possible discounts are included below.

  • Progressive policyholders can earn discounts including multi-vehicle, online signing, good student, homeowner, and multi-policy.
  • AAA may have discounts that include anti-theft, AAA membership discount, education and occupation, multi-car, and good student.
  • Farmers Insurance has savings for switch companies, teen driver, homeowner, distant student, and business and professional.
  • Geico offers discounts including multi-vehicle, daytime running lights, seat belt use, multi-policy, military active duty, driver training, and anti-lock brakes.
  • Esurance offers premium reductions for anti-theft, DriveSense, anti-lock brakes, defensive driver, good driver, emergency road assistance, and renters.
  • SAFECO may include discounts for accident prevention training, homeowner, teen safe driver, drive less, anti-theft, multi-car, and bundle discounts.
  • State Farm may offer discounts for multiple policy, anti-theft, student away at school, multiple autos, and good student.

Before you buy a policy, ask each company or agent to give you their best rates. A few discounts may not apply to policyholders in every state. To see insurers offering insurance discounts, click here.

Shop car insurance online

When comparison shopping, there are several ways to get quotes from companies that offer car insurance in your state. The recommended way to find the cheapest 1999 Pontiac Firebird insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished by using one of the methods below.

  1. Hands down the most simple method consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This method saves time by eliminating separate quotation requests for each company you want a rate for. One form submission gets rate comparisons from car insurance companies with the best prices.It’s the quickest way to get rates.
  2. A different way to find better pricing is to take the time to go to each individual company website and get a separate price quote. For sake of this example, we’ll assume you are doing a rate comparison from Progressive, Liberty Mutual and American Family. In order to compare rates, you need to spend time on each company’s site and enter your policy data, which is why first method is reommended.

    To view a list of companies in your area, click here.

Whichever way you choose to compare rates, make absolute certain that you use apples-to-apples information with each company. If you compare higher or lower deductibles then you won’t be able to determine which company has the best rates. Just slight variations in limits may result in large price differences. Just keep in mind that obtaining a wide range of quotes increases your odds of finding lower pricing.

How insurers calculate Pontiac Firebird insurance premiums

Many things are taken into consideration when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, but others are more obscure like your continuous coverage or your vehicle rating.

The items below are a few of the things companies use to determine your premiums.

  • Do you qualify for a multi-policy discount? – Most larger insurers apply better rates to customers that have more than one policy in the form of a multi-policy discount. Discounts can add up to 10 percent or more. Even if you already get this discount, consumers should still shop around to verify if the discount is saving money.There is a chance you can find a better deal even if you have your coverage with different companies
  • Never allow your policy to lapse – Driving without insurance coverage in place is not a good idea and auto insurance companies will penalize you for letting your coverage lapse. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a license revocation or jail time. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Stay claim-free and save – If you are a frequent claim filer, you can look forward to higher rates. Auto insurance companies provide lower rates to people who are claim-free. Your car insurance is intended to be relied upon for larger claims.
  • Prices can be impacted by your occupation – Did you know your job can affect your rates? Occupational choices like military personnelair traffic controllers and medical professionals have the highest average rates in part from intense work requirements and lots of time spent away from family. On the other hand, professions such as professors, athletes and retirees have lower than average premiums for Firebird coverage.
  • Where do you drive? – The higher the miles on your Pontiac every year the more you’ll pay to insure your vehicle. Most insurance companies charge rates partially by how you use the vehicle. Autos that do not get driven very much get more affordable rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Firebird can result in significantly higher rates. It’s always a good idea to double check that your auto insurance policy shows the right rating data.
  • Getting married can save you money – Having a significant other may save some money when buying auto insurance. Marriage generally demonstrates drivers are more responsible and it’s proven that drivers who are married are more cautious.
  • Better credit means lower prices – A driver’s credit history factor in determining your rates. Drivers who have high credit ratings tend to file fewer claims and have better driving records than drivers who have poor credit scores. If your credit rating can use some improvement, you may save money insuring your 1999 Pontiac Firebird by repairing your credit.

Which policy gives me the best coverage?

When it comes to buying adequate coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine if your situation might need professional guidance.

  • Am I missing any policy discounts?
  • Will my rates increase for filing one claim?
  • If my pet gets injured in an accident are they covered?
  • What is the rate difference between pleasure use and commuting?
  • Do I need more liability coverage?
  • Am I covered when pulling a rental trailer?
  • Does coverage extend to my business vehicle?
  • Does medical payments coverage apply to all occupants?
  • When do I need to add a new car to my policy?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Coverages available on your insurance policy

Knowing the specifics of your insurance policy can be of help when determining the right coverages for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision coverage protection

This will pay to fix damage to your Firebird from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as scraping a guard rail, sustaining damage from a pot hole, sideswiping another vehicle, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Pontiac Firebird.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverage

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

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like court costs, repair bills for other people’s vehicles, medical services and pain and suffering. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for EMT expenses, pain medications, dental work, doctor visits and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, a broken windshield, rock chips in glass, vandalism and hitting a deer. The highest amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Find Good Coverage for Less

Some companies may not provide internet price quotes small, regional companies sell through local independent agents. Low-cost 1999 Pontiac Firebird insurance can be purchased both online in addition to local insurance agencies, so compare prices from both to have the best chance of lowering rates.

As you quote auto insurance, you should never reduce needed coverages to save money. Too many times, an accident victim reduced physical damage coverage only to discover later that it was a big mistake. The goal is to get the best coverage possible at a price you can afford while still protecting your assets.

Consumers leave their current company for a variety of reasons including high rates after DUI convictions, lack of trust in their agent, denial of a claim or extreme rates for teen drivers. Regardless of your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

Additional insurance coverage information is located below: