Cheap 1992 Pontiac Firebird Car Insurance Quotes

Trying to find better insurance rates for your Pontiac Firebird? Shopping for the cheapest insurance on the internet can seem to be intimidating for consumers not familiar with buying insurance online. With dozens of companies in the marketplace, how can consumers have a chance to compare every company to locate the best available price?

You need to compare rates every six months because prices are usually higher with each renewal. If you had the best price on Firebird insurance a few years ago other companies may now be cheaper. So forget anything you know (or think you know) about insurance because we’re going to show you the easiest way to lower your annual insurance bill.

The quickest method we recommend to compare rates is to know all the major auto insurance companies have advanced systems to provide you with free rate quotes. All you need to do is provide a little information like if a SR-22 is required, an estimate of your credit level, coverage limits, and marital status. That rating information is automatically sent to insurance carriers in your area and they provide comparison quotes within a short period of time.

To start a quote now, click here and find out if you can get cheaper insurance.

Situations that might require an agent

When it comes to choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions might point out if your insurance needs would benefit from professional advice.

• What if I total my 1992 Pontiac Firebird and owe more than it’s worth?
• Will my rates increase for filing one claim?
• Should I buy more coverage than the required minimum liability coverage?
• Can I drive in Mexico and have coverage?
• Why am I required to buy high-risk coverage?
• Do I need rental car coverage?
• If my pet gets injured in an accident are they covered?
• Am I covered when driving a rental car?
• Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Coverages available on your policy

Knowing the specifics of a insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Collision coverages – Collision insurance covers damage to your Firebird caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, sustaining damage from a pot hole, colliding with a tree, rolling your car and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability – This protects you from damage or injury you incur to other people or property. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like structural damage, medical services and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Pontiac Firebird.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision) – This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, damage from getting keyed and a broken windshield. The maximum payout you can receive from a comprehensive claim 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.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as dental work, EMT expenses, chiropractic care and surgery. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage