Compare 2001 Pontiac Firebird Insurance Cost

Are you drained from not being able to scrape enough together each month for insurance? You have the same problem as many other consumers.

You have multiple insurance companies to purchase coverage from, and even though it’s nice to be able to choose, it can be more challenging to find a good deal.

It’s smart to get comparison quotes once or twice a year because insurance rates are adjusted regularly by insurance companies. Even if you think you had the best premium rates on Firebird coverage a few years ago there may be better deals available now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the fastest and easiest way to properly buy coverages while reducing your premium.

Pontiac Firebird insurance rate factors

Many things are part of the calculation when pricing auto insurance. Some are pretty understandable like your driving record, although others are less apparent such as your marital status or your vehicle rating.When buying insurance coverage it’s important to understand the factors that aid in calculating your policy premiums. If you know what determines base rates, this helps enable you to make changes that could help you find lower premium levels.

  • Raising physical damage deductibles lowers premiums – Physical damage coverage, also called comprehensive and collision insurance, covers damage that occurs to your Pontiac. Some coverage claims would be running into the backend of another car, hail damage, and damage from a fallen tree branch. Comp and collision deductibles define the amount you are required to pay in the event of a claim. The more expense the insured is willing to pay, the better rate you will receive on Firebird coverage.
  • Battle of the sexes – Over the last 30 years, statistics show women tend to be less risk to insure than men. However, this does not mean women are better drivers. They both are in at-fault accidents in similar percentages, but men tend to have more serious accidents. Men also get higher numbers of serious violations like DUI and reckless driving.
  • Where you reside is a factor – Choosing to live in smaller towns and rural areas of the country has it’s advantages when shopping for auto insurance. Residents of big cities tend to have more traffic problems and more time behind the wheel. Fewer drivers corresponds to lower accident rates and lower theft and vandalism rates.
  • Premiums are high for teenagers – Older insureds are more responsible, statistically cause fewer accidents and get fewer tickets.Youthful drivers are proven to be inattentive when at the wheel of a vehicle therefore insurance coverage rates are much higher.
  • Safer vehicles are cheaper to insure – Safer cars tend to have better insurance rates. Safe vehicles have better occupant injury protection and fewer serious injuries translates into savings for insurance companies which can mean better rates for you.

Cheap insurance rates with discounts

Companies that sell car insurance don’t always advertise every possible discount in an easy-to-find place, so the list below contains some of the best known and the harder-to-find credits available to lower your premiums when you buy auto insurance online.

  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up can save 10% or more off PIP or medical payments premium.
  • Discount for Swiching Early – Some insurance companies give discounts for signing up before your current coverage expires. This discount can save up to 10%.
  • Discount for Life Insurance – Some insurance companies give a break if you buy a life policy as well.
  • Save over 55 – Older drivers could receive lower premium rates on Firebird coverage.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course if it’s offered in school.
  • Accident-Free Discounts – Insureds with no claims or accidents are rewarded with significantly better rates on auto insurance quote compared to insureds who have frequent claims or accidents.
  • Distant Student – Youth drivers who are attending college and don’t have a car could get you a discount.
  • Drive Safe and Save – Drivers without accidents may receive a discount up to 45% on Firebird coverage compared to accident prone drivers.
  • Driver Safety – Passing a class that teaches defensive driver techniques could cut 5% off your bill depending on where you live.

While discounts sound great, it’s important to understand that many deductions do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, that’s just not realistic.

The best insurance companies and a summarized list of policyholder discounts are detailed below.

  • Progressive may offer discounts for multi-policy, good student, homeowner, online quote discount, and multi-vehicle.
  • SAFECO includes discounts for anti-theft, drive less, anti-lock brakes, safe driver, accident prevention training, and homeowner.
  • American Family offers premium reductions for multi-vehicle, mySafetyValet, accident-free, early bird, defensive driver, and TimeAway discount.
  • MetLife may have discounts that include claim-free, good student, accident-free, good driver, multi-policy, defensive driver
  • Geico offers discounts including five-year accident-free, emergency military deployment, anti-lock brakes, multi-policy, membership and employees, and air bags.
  • The Hartford has savings for air bag, defensive driver, driver training, vehicle fuel type, bundle, good student, and anti-theft.

Double check with each insurance company to apply every possible discount. Some of the earlier mentioned discounts might not be available to policyholders everywhere. To view insurance companies that offer some of these discounts, follow this link.

Save $397 a year? Really?

Auto insurance providers like 21st Century, Allstate and State Farm regularly use television and radio advertisements. All the ads convey the message about how much you will save if you switch to their company. How does every company sell you cheaper insurance coverage?

All companies have specific guidelines for the type of driver that will add to their bottom line. An example of this type of driver could be between the ages of 40 and 55, has no prior claims, and drives newer vehicles. A driver who meets those qualifications will get the preferred prices and most likely will save some money.

Drivers who do not meet the ideal profile will probably be forced to pay a higher rate and this can result in the customer not buying. If you pay close attention to the ads, they say “people who switch” not “everybody who quotes” will save that much if they switch. That is how companies can truthfully advertise the way they do.

Because every company is different, it’s extremely important to get price quotes at each policy renewal. It’s just too difficult to predict which insurance companies will provide the lowest rates.

Tailor your insurance coverage to you

When choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Are split liability limits better than a combined single limit?
  • Can I make deliveries for my home business?
  • Is other people’s property covered if stolen from my vehicle?
  • Is a fancy paint job covered?
  • When should I buy a commercial auto policy?
  • Should I get collision insurance on every vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • What companies insure drivers after a DUI or DWI?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Insurance coverage considerations

Understanding the coverages of a insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages offered by insurance companies.

Liability auto insurance

Liability insurance protects you from damage or injury you incur to other people or property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as medical services, attorney fees, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like hospital visits, funeral costs, ambulance fees, pain medications and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from flooding, falling objects, hitting a deer and theft. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

Collision insurance covers damage to your Firebird resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like sideswiping another vehicle, crashing into a building, driving through your garage door, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Pontiac Firebird.

Due to the fact that many drivers 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 is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Smart consumers save more

Affordable 2001 Pontiac Firebird insurance can be purchased on the web and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not provide internet price quotes and usually these regional insurance providers work with independent insurance agencies.

In this article, we presented many ideas to get a better price on 2001 Pontiac Firebird insurance. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even discover the lowest premium rates are with a company that doesn’t do a lot of advertising. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

Additional insurance information is located on the following sites: