1990 Pontiac Firebird Car Insurance Cost

Searching for cheap insurance over the internet may be problematic for beginners to shopping for insurance online. With a ridiculous number of choices, how can consumers possibly compare every company to locate the cheapest available price?

Elements that influence Pontiac Firebird insurance rates

Consumers need to have an understanding of the different types of things that help determine insurance rates. Knowing what impacts premium levels allows you to make educated decisions that can help you get better insurance rates.

The following are some of the items companies use to determine your rates.

  • Your spouse saves you money – Having a spouse can get you a discount on your policy. It is viewed as being more mature than a single person and statistics show being married results in fewer claims.
  • Optional equipment can affect rates – Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
  • Multiple policies with one company can save – Most insurance companies will award you with lower prices to insureds who have multiple policies with them in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare other company rates to ensure the best deal. You may still be able to find better rates by insuring with multiple companies.
  • Your location is important – Living in a small town can save you money when buying insurance. Drivers who live in large cities have traffic congestion and much longer commute distances. Less people living in that area means reduced accidents.
  • Do you need those extra coverages? – There are a ton of add-on coverages you can purchase on your Firebird policy. Coverages for roadside assistance, better glass coverage and motor club memberships may be costing you every month. These may sound like a good investment when talking to your agent, but if you don’t need them eliminate them to save money.
  • Sex matters – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women have accidents at a similar rate, but the male of the species cause more damage. Men also tend to receive more costly citations such as reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Liability coverage is peace of mind – The liability section of your policy provides coverage when a court rules you are at fault for damages from an accident. Liability provides legal defense coverage starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Your age impacts your rates – Older drivers are viewed as being more responsible, file fewer claims and are safer drivers. Teenage drivers have a tendency to be careless and easily distracted behind the wheel therefore insurance rates are much higher.

Discounts can save BIG

Companies offering auto insurance don’t list all their discounts very well, so the following is a list of both the well known as well as the least known savings tricks you should be using.

  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Firebird insurance than drivers with accidents.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.
  • Accident Free – Drivers who don’t have accidents pay much less as compared to accident-prone drivers.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Resident Student – Any of your kids who are attending college and do not have a car may be able to be covered for less.

Keep in mind that some credits don’t apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, companies wouldn’t make money that way.

To see a list of insurers who offer insurance coverage discounts, click this link.

Do insurance companies bend the truth?

Companies like State Farm and Allstate constantly bombard you with ads in print and on television. All the ads make an identical promise that you’ll save big if you switch your policy. How do they all make the same claim?

Insurance companies are able to cherry pick for the driver that earns them a profit. For instance, a driver they prefer could possibly be between the ages of 40 and 55, has no prior claims, and chooses high deductibles. A driver that hits that “sweet spot” will get the preferred rates and therefore will cut their rates substantially.

Potential insureds who fall outside these standards will be charged higher rates and ends up with business not being written. Company advertisements say “people who switch” not “people who quote” save money. That’s why companies can truthfully state the savings. That is why you should get a wide range of price quotes. It’s impossible to know which company will fit your personal profile best.

Will just any policy work for me?

When it comes to buying coverage for your personal vehicles, there really is no cookie cutter policy. Each situation is unique.

For example, these questions may help highlight whether you would benefit from an agent’s advice.

  • Will my insurance pay for OEM parts?
  • Is a fancy paint job covered?
  • How much liability do I need to cover my assets?
  • Am I covered if I wreck a rental car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Where can I find high-risk insurance?
  • What is the rate difference between pleasure use and commuting?
  • Exactly who is provided coverage by my policy?

If it’s difficult to answer those questions, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance 101

Knowing the specifics of insurance helps when choosing the right coverages for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Auto collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a ditch, scraping a guard rail, sustaining damage from a pot hole, crashing into a building and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Liability

Liability coverage provides protection from injuries or damage you cause to other’s property or people. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as repair costs for stationary objects, attorney fees, court costs, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a broken windshield, damage from a tornado or hurricane, fire damage, rock chips in glass and hitting a deer. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for expenses for prosthetic devices, surgery, ambulance fees, rehabilitation expenses and chiropractic care. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Pontiac Firebird.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

In Summary

People leave their current company for many reasons like poor customer service, policy cancellation, an unsatisfactory settlement offer and denial of a claim. Regardless of your reason for switching companies, choosing a new company is less work than it seems.

You just read a lot of tips how to lower your 1990 Pontiac Firebird insurance rates. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the most savings is with a small local company.

Budget-conscious insurance can be sourced on the web and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

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