How Much Does 2002 Pontiac Firebird Car Insurance Cost?

Finding cheap premium rates for car insurance can be hard for people who have little experience online insurance quotes. With so many insurance agents and insurance companies available, it can easily become a lot of work to locate the lowest premium rates.

The fastest way that we advise to get rate comparisons is to realize most insurance companies will pay a fee to provide you with free rate quotes. To get started, all you need to do is take a few minutes to give details including whether you drive to work or school, if your license is active, if a SR-22 is needed, and how much education you have. Your insurance information is instantly sent to multiple different insurance companies and you get price estimates with very little delay.

To check rates for your 2002 Pontiac Firebird now, click here and enter your zip code.

Double check you’re getting with these discounts

Companies offering auto insurance do not list every discount they offer in a way that’s easy to find, so the next list breaks down both the well known and also the lesser-known discounts that you may qualify for.

• Membership in Organizations – Being a member of a qualifying organization could qualify you for a break on your policy.
• Telematics Data – Insureds who allow their auto insurance company to analyze when and where they use their vehicle by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if their driving habits are good.
• Discounts for Cautious Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Firebird insurance than their less cautious counterparts.
• Discount for Home Ownership – Simply owning a home can get you a discount because it is proof of financial responsibility.
• Multi-Vehicle Discounts – Buying coverage for multiple cars on one policy can reduce rates for all insured vehicles.
• Theft Deterent – Cars optioned with advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. Even though it appears having all the discounts means you get insurance for free, you’re out of luck.

A list of auto insurance companies and a selection of discounts are outlined below.

• Progressive has discounts for homeowner, good student, online signing, continuous coverage, and multi-vehicle.
• MetLife may offer discounts for defensive driver, accident-free, claim-free, good driver, multi-policy, good student
• Mercury Insurance may have discounts that include anti-theft, annual mileage, professional/association, type of vehicle, and low natural disaster claims.
• Nationwide offers discounts including easy pay, accident-free, good student, defensive driving, business or organization, family plan, and Farm Bureau membership.
• Geico offers premium reductions for multi-policy, defensive driver, military active duty, emergency military deployment, anti-theft, and federal employee.
• AAA offers discounts for pay-in-full, AAA membership discount, anti-theft, good driver, and multi-policy.

If you want inexpensive insurance quotes, ask all the companies which discounts you qualify for. Some credits may not apply to policies in your area.

Your situation helps dictate your coverage

When it comes to buying the right insurance coverage, there is no single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions may help highlight if your insurance needs will benefit from professional help.

• When should I remove comp and collision on my 2002 Pontiac Firebird?
• What are the best liability limits?
• Is pleasure use cheaper than using my 2002 Pontiac Firebird to commute?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Do I really need UM/UIM coverage?
• What is no-fault insurance?
• Is other people’s property covered if stolen from my vehicle?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Coverage specifics

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Liability – This coverage can cover damage that occurs to other’s property or people by causing an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers claims such as attorney fees, repair costs for stationary objects, court costs, bail bonds and medical services. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Collision coverage – This coverage will pay to fix damage to your Firebird from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as backing into a parked car, colliding with a tree, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for expenses such as X-ray expenses, ambulance fees, prosthetic devices, nursing services and chiropractic care. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, fire damage, hail damage and falling objects. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include 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 only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.