1994 Pontiac Firebird Insurance Quotes

Trying to find lower insurance rates? Buyers have options when searching for low-cost Pontiac Firebird insurance. They can either waste time calling around getting price quotes or leverage the internet to compare rates.

There is a better way to find insurance online so we’re going to tell you the proper way to compare rates on a Pontiac and get the best price possible from local insurance agents and online providers.

Discounts mean cheaper Pontiac Firebird insurance rates

Insurance can cost an arm and a leg, but you may find discounts to reduce the price significantly. Some trigger automatically when you complete an application, but a few need to be asked for before being credited. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount for Firebird insurance with a few car insurance companies.
  • Auto/Home Discount – If you have multiple policies with one insurance company you could get a discount of at least 10% off all policies.
  • Organization Discounts – Being a member of a professional or civic organization could trigger savings when shopping for car insurance for Firebird insurance.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Discount for Good Grades – This discount can save 20 to 25%. The discount lasts up to age 25.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Pontiac could qualify for discounted rates on garaged vehicles.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Some only apply to individual premiums such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will reduce the amount you have to pay.

A partial list of companies that may have these money-saving discounts may include but are not limited to:

Before buying, ask each insurance company which discounts you may be entitled to. All car insurance discounts may not be available everywhere.

Automobile Insurance Quotes

There are multiple methods to compare 1994 Pontiac Firebird insurance quotes, but one way is easier and takes less work. You can waste a few hours (or days) driving to insurance agencies in your area, or you can utilize online quoting to achieve your goal.

Many of the larger companies belong to an insurance system where prospective buyers enter their coverage request one time, and each company then returns a price quote determined by their information. This system prevents you from having to do form submissions to every company.

To access this free quoting program, click here (opens in new window).

One minor caviat to using this type of form is you are unable to specify the companies to receive prices from. So if you want to choose from a list of companies to compare prices, we put together a list of companies who write insurance in your area. Click here for list of insurance companies.

It’s up to you which method you use, but ensure you are comparing apples-to-apples coverage information with every price quote. If each company quotes higher or lower deductibles then you won’t be able to determine which rate is truly the best.

Factors that can influence insurance rates for a Pontiac Firebird

Consumers need to have an understanding of the different types of things that go into determining the rates you pay for auto insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that will entitle you to better auto insurance rates.

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

  • Men pay higher rates – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that women are better drivers. They both are in accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also receive more costly citations such as reckless driving.
  • Better crash test results mean better rates – Vehicles with good safety scores get lower rates. These vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If your Pontiac Firebird scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Proper usage rating affects rates – The more you drive in a year’s time the higher your rate. Most companies charge to insure your cars determined by how the vehicle is used. Cars that are left in the garage get more affordable rates compared to those used for work or business. Verify your auto insurance policy shows the correct driver usage. If your policy improperly rates your Firebird can cost quite a bit.
  • No coverage gaps is important – Not having insurance is a misdemeanor and auto insurance companies will penalize you for letting your insurance lapse. Not only will rates go up, but not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license.You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.

Tailor your coverage to you

When buying the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every situation is different.

For example, these questions might help in determining whether you might need an agent’s assistance.

  • Am I covered if I hit my neighbor’s mailbox?
  • Can my babysitter drive my car?
  • Are split liability limits better than a combined single limit?
  • Is my ex-spouse still covered by my policy?
  • Can I still get insurance after a DUI?
  • Is my 1994 Pontiac Firebird covered for flood damage?
  • Do I need replacement cost coverage?
  • Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Are you falling for claims of savings?

Consumers constantly see and hear ads for cheaper car insurance by 21st Century, Allstate and State Farm. All the ads make an identical promise that you can save after switching to their company.

How can each company make almost identical claims? This is how they do it.

Different companies can use profiling for the right customer that earns them a profit. For instance, a profitable customer might be over the age of 40, is a homeowner, and has excellent credit. A propective insured who matches those parameters will get very good rates and therefore will save a lot of money.

Drivers who don’t meet this ideal profile will be quoted more money and ends up with the customer not buying. The ads say “people who switch” not “people who quote” save money. That’s the way insurance companies can claim big savings.

This emphasizes why you need to compare as many rates as you can. It is impossible to predict which company will fit your personal profile best.

Auto insurance coverage considerations

Knowing the specifics of a auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Auto liability insurance – Liability insurance will cover injuries or damage you cause to other people or property that is your fault. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as court costs, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection 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 a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are set the same as your liablity limits.

Insurance for medical payments – Med pay and PIP coverage reimburse you for immediate expenses for doctor visits, surgery, funeral costs and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as fire damage, theft and a broken windshield. The most your auto insurance company will pay 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.

Collision coverage – This coverage pays for damage to your Firebird caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a mailbox, scraping a guard rail, sideswiping another vehicle, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Quote more, save more

Cost effective 1994 Pontiac Firebird insurance can be purchased on the web and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not offer online quoting and most of the time these smaller companies sell through independent agents.

While you’re price shopping online, you should never reduce needed coverages to save money. There are a lot of situations where someone sacrificed collision coverage only to discover later that it was a big mistake. The proper strategy is to buy the best coverage you can find at an affordable rate while still protecting your assets.

People leave their current company for many reasons like an unsatisfactory settlement offer, high prices, denial of a claim and poor customer service. It doesn’t matter why you want to switch finding a new company can be easier than you think.

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