1991 Pontiac Firebird Insurance Quotes

Trying to find lower auto insurance rates? Buyers have many options when searching for low-cost Pontiac Firebird insurance. They can either spend hours struggling with agents trying to get quotes or utilize the internet to find the lowest rates.

There are more efficient ways to find auto insurance online so we’re going to tell you the best way to compare rates for your Pontiac and obtain the lowest price from both online companies and local agents.

It’s important to compare prices before your policy renews because prices are usually higher with each renewal. Just because you found the best rates on Firebird coverage last year you may be paying too much now. Forget all the misinformation about auto insurance because you’re about to find out the quickest way to save money, get proper deductibles and limits, all at the lowest rate.

The purpose of this article is to help educate you on how car insurance quotes work and some tricks to saving. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these techniques. Vehicle owners only need to know the most effective way to compare prices over the internet.

Save big with these discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available to help offset the cost. Some trigger automatically at quote time, but less common discounts must be requested specifically in order for you to get them. If they aren’t giving you every credit available, you are paying more than you should be.

  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Own a Home – Owning a house may trigger a auto insurance policy discount because maintaining a house is proof that your finances are in order.
  • Payment Method – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
  • Defensive Driving Course – Successfully completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Paperless Signup – A few companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on Firebird coverage than their less cautious counterparts.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way. Any amount of discount will bring down your premiums.

Car insurance companies that may have these money-saving discounts may include but are not limited to:

It’s a good idea to ask every prospective company what discounts are available to you. Savings might not apply in your area.

Complexity of Pontiac Firebird insurance rates

Consumers need to have an understanding of the rating factors that go into determining the price you pay for car insurance. Knowing what impacts premium levels allows you to make educated decisions that could result in big savings.

Listed below are a partial list of the pieces companies use to determine premiums.

  • High deductibles save money – The deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. The more you’re willing to pay, the less your car insurance will be on Firebird coverage.
  • Car features impact rates – Driving a car that has an advanced theft prevention system can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
  • Protect yourself with liability coverage – Your policy’s liability coverage is the protection if ever a jury decides you are liable for damages from an accident. It provides for a legal defense starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
  • Bundling policies can get discounts – The majority of car insurance companies will award you with lower prices to insureds who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s still a good idea to comparison shop to verify if the discount is saving money.
  • Pleasure use saves money – The higher the mileage driven in a year the higher your rate. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars used primarily for pleasure use can get a lower rate than those used for commuting. Double check that your car insurance declarations sheet is showing the correct usage for each vehicle, because it can save money. If your policy improperly rates your Firebird can cost quite a bit.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores can get you lower premiums. Safe vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If your Pontiac is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

But I don’t know anything about car insurance

When it comes to buying adequate coverage for your personal vehicles, there really is no perfect coverage plan. Each situation is unique.

For example, these questions might help in determining if your insurance needs will benefit from professional help.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I pay less for low miles?
  • When should I remove comp and collision on my 1991 Pontiac Firebird?
  • What if I owe more than I can insure my car for?
  • Am I better off with higher deductibles on my 1991 Pontiac Firebird?
  • Is motorclub coverage worth it?
  • Can I afford low physical damage deductibles?
  • Is my state a no-fault state?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Can switching companies really save?

Drivers constantly see and hear ads for car insurance savings by companies like 21st Century, Allstate and State Farm. They all make the same claim that you’ll save big if you move to them.

How can each company say the same thing?

Different companies are able to cherry pick for the right customer that earns them a profit. For example, a driver they prefer might be over the age of 40, has no prior claims, and has a high credit rating. Any driver who matches those parameters will get the preferred rates and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who don’t meet these standards must pay higher premiums which leads to the driver buying from a lower-cost company. The ads say “drivers who switch” but not “drivers who get quotes” save money. That’s the way companies can truthfully advertise the savings.

This illustrates why drivers should get a wide range of price quotes. It is impossible to predict which company will provide you with the cheapest Pontiac Firebird insurance rates.

Car insurance 101

Understanding the coverages of your policy aids in choosing the right coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Pontiac Firebird.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Insurance for medical payments

Med pay and PIP coverage pay for immediate expenses like EMT expenses, hospital visits, surgery, pain medications and dental work. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverage protection

This covers damage to your Firebird caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, backing into a parked car, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for liability

Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as legal defense fees, medical services, attorney fees and pain and suffering. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from flooding, hitting a bird, theft, fire damage and vandalism. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Final considerations

The cheapest 1991 Pontiac Firebird insurance can be found online as well as from independent agents, so you should be comparing quotes from both to have the best selection. Some insurance companies don’t offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

We just showed you quite a bit of information on how to reduce insurance prices online. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers may even find the biggest savings come from a smaller regional carrier.

Insureds switch companies for many reasons like questionable increases in premium, policy non-renewal, an unsatisfactory settlement offer and policy cancellation. It doesn’t matter why you want to switch finding the right auto insurance provider is actually quite simple.

Additional auto insurance information is available below: