Lower Your 1993 Pontiac Firebird Insurance Rates

Searching for the most affordable auto insurance on the internet can be difficult for people who are new to comparison shopping online. Because there are so many choices, how can drivers have a chance to compare every company to locate the cheapest rates?

It’s a good habit to get comparison quotes yearly since rates tend to go up over time. Just because you found the lowest price on Firebird coverage two years ago you will most likely find a better rate today. Block out anything you think you know about auto insurance because you’re about to find out the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

The method we recommend to compare policy rates is to understand car insurance companies participate in a system to provide you with a free rate quote. To get started, all you need to do is provide the companies a bit of rating information including your education level, your occupation, how many miles driven, and types of safety features. Your rating data is sent automatically to multiple different insurance companies and they provide comparison quotes instantly to find the best rate.

To compare multiple company rates now, click here and complete the form.

Discounts to lower Pontiac Firebird insurance rates

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not even be aware of. Certain discounts will be applied at the time of purchase, but a few must be specially asked for in order for you to get them.

  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Low Mileage – Fewer annual miles on your Pontiac could qualify for a substantially lower rate.
  • Resident Student – Kids in college who live away from home and do not have a car may qualify for this discount.
  • Student Driver Training – Have your child take driver’s ed class if offered at their school.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Senior Discount – Older drivers can possibly qualify for better car insurance rates on Firebird coverage.
  • Driver Safety – Taking a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts will reduce the amount you have to pay.

For a list of providers who offer car insurance discounts, click here.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there is no one size fits all plan. Everyone’s situation is a little different.

For instance, these questions may help you determine if your situation may require specific advice.

  • Does my 1993 Pontiac Firebird need full coverage?
  • Is there coverage for injuries to my pets?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I getting all the discounts available?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered when driving in Canada or Mexico?
  • What vehicles should carry emergency assistance coverage?
  • Will filing a claim cost me more?
  • Do all my vehicles need collision coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form.

Why your Pontiac Firebird might be costing you more

Smart consumers have a good feel for some of the elements that go into determining the price you pay for auto insurance. Knowing what controls the rates you pay enables informed choices that can help you get lower auto insurance prices.

Listed below are some of the items auto insurance companies consider when setting your rates.

  • Your age impacts your rates – More mature drivers tend to be more responsible, statistically cause fewer accidents and receive fewer citations. Teenage drivers are statistically proven to be less responsible when driving therefore auto insurance rates are much higher.
  • Cautious drivers pay less – Even a single moving violation may increase your cost twenty percent or more. Drivers with clean records have lower premiums compared to drivers with tickets. Drivers who get flagrant violations like hit and run, DWI or reckless driving convictions may be required to file a SR-22 with the DMV in their state in order to keep their license.
  • Do you need the policy add-ons? – There are a ton of extra coverages that you can get tricked into buying on your Firebird policy. Coverages for vanishing deductibles, accidental death and membership fees may be wasting your money. They may seem good initially, but your needs may have changed so eliminate them to save money.
  • Where you live – Living in small towns and rural areas has it’s advantages when insuring your vehicles. Fewer people translates into fewer accidents and a lower car theft rate. Urban drivers regularly have congested traffic and a longer drive to work. Higher commute times means more change of being in an accident.
  • Men pay higher rates – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Men and women cause accidents at about the same rate, but men have costlier accidents. Men also have more aggressive citations such as reckless driving. Youthful male drivers are most likely to cause an accident and therefore have the most expensive auto insurance rates.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores can get you lower premiums. The safest vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company and thus lower rates. If your Pontiac is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • High deductibles save money – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Pontiac from damage. Examples of covered claims are colliding with a building, damage caused by hail, and windstorm damage. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more expense you’re willing to pay, the less your auto insurance will be on Firebird coverage.
  • Frequent auto insurance claims increase rates – Insurance companies award better rates to insureds who do not file claims often. If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Car insurance is designed for major claims that would cause financial hardship.

Switch companies and save? Really?

Companies like Progressive, Allstate and Geico constantly bombard you with ads in print and on television. All the ads have a common claim of big savings if you switch your coverage to them. How can each company claim to save you money?

Insurance companies can use profiling for the driver that makes them money. For instance, a preferred risk might be between 30 and 50, has no prior claims, and has a high credit rating. A customer getting a price quote who fits that profile will get the preferred rates and most likely will save when they switch companies.

Drivers who don’t measure up to these standards will be charged more money which usually ends up with the driver buying from a lower-cost company. The ads say “people who switch” not “people who quote” save that much. That’s the way companies can advertise the way they do.

That is why drivers must get quotes from several different companies. It’s impossible to know which insurance companies will fit your personal profile best.

Parts of your insurance policy

Knowing the specifics of your policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Collision coverage – This pays for damage to your Firebird from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, colliding with a tree, crashing into a ditch, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for short-term medical expenses like rehabilitation expenses, pain medications, doctor visits and dental work. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance – Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as bail bonds, medical services and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy as much as you can afford.

Comprehensive coverages – This will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like fire damage, damage from getting keyed and hail damage. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these coverages are identical to your policy’s liability coverage.

Affordable insurance is out there

While you’re price shopping online, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where an insured cut uninsured motorist or liability limits only to regret at claim time that it was a big mistake. The proper strategy is to buy a smart amount of coverage at an affordable rate while still protecting your assets.

Cheaper 1993 Pontiac Firebird insurance can be found from both online companies and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. Some insurance companies may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

Throughout this article, we presented some good ideas how to reduce insurance prices online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the lowest premiums are with the smaller companies.

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