Cheaper 1999 Pontiac Firebird Insurance Rates

Buyers have a choice when searching for affordable Pontiac Firebird insurance. They can either waste time driving around to compare prices or use the internet to compare rates.

There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the absolute fastest way to quote coverages on a Pontiac and find the best price possible.

If you are insured now or are just looking to switch companies, you can learn to find the best rates and still get good coverage. The purpose of this article is to introduce you to the most effective way to quote insurance and some tips to save money. Drivers only need an understanding of how to get comparison quotes on the web.

Policy discounts you shouldn’t miss

Car insurance is not cheap, but companies offer discounts that you may not know about. Larger premium reductions will be automatically applied when you complete an application, but lesser-known reductions have to be specially asked for before you will receive the discount. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • E-sign – Certain companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • Payment Method – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident without raising rates if your claims history is clear for a set time period.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount on Firebird insurance with certain companies.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy life insurance.
  • Drivers Education – Have your child take driver’s ed class if it’s offered in school.
  • No Claims – Drivers with accident-free driving histories can save substantially when compared with bad drivers.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.

Drivers should understand that many deductions do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, companies wouldn’t make money that way. But any discount will reduce your premiums.

To see a list of insurers with the best auto insurance discounts, click here to view.

Pontiac Firebird insurance rates consist of many parts

It’s important that you understand the different types of things that help determine auto insurance rates. Having a good understanding of what determines base rates enables informed choices that can help you get big savings.

The following are a partial list of the pieces auto insurance companies consider when setting your rates.

  • Drive a safer car and pay less – Cars with high safety ratings can get you lower premiums. Safer cars reduce injuries and better occupant protection translates into savings for insurance companies and thus lower rates. If your Pontiac Firebird has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Discounts for multiple policies – Most companies provide better rates to insureds who buy several policies from them such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even with this discount, you still need to compare rates to make sure you are getting the best deal. You may still be able to find a better deal by splitting coverages up.
  • Your occupation can affect rates – Occupations such as lawyers, executives and financial analysts tend to pay higher average rates because of stressful work requirements and lengthy work days. Conversely, professions such as actors, engineers and the unemployed have the lowest average rates on Firebird insurance.
  • High deductibles save money – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Pontiac from damage. Some instances where coverage would apply would be a windshield shattered by a rock, damage from fire, and rolling your vehicle. Physical damage deductibles are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The more you are required to pay out-of-pocket, the bigger discount you will receive on Firebird insurance.
  • Having a spouse can save you money – Having a spouse actually saves money when buying auto insurance. Having a spouse is viewed as being more mature and responsible and statistics show married couples file fewer claims.

Insurance agents can help

When buying adequate coverage, there really is not a best way to insure your cars. Everyone’s situation is unique.

For instance, these questions may help you determine if you will benefit from professional help.

  • Do I need special endorsements for business use of my vehicle?
  • Is my custom paint covered by insurance?
  • Should I buy more coverage than the required minimum liability coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I insured when driving a different vehicle?
  • Is motorclub coverage worth it?
  • What is the minimum liability in my state?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Is there deception in advertising?

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as State Farm and Allstate. All the companies have a common claim of big savings if you switch your policy.

How can each company claim to save you money? It’s all in the numbers.

All companies are able to cherry pick for the type of driver they prefer to insure. For example, a preferred risk could possibly be over the age of 40, has no prior claims, and chooses high deductibles. Any driver who fits that profile is entitled to the best price and therefore will save when switching.

Consumers who don’t meet the requirements will be charged higher prices and ends up with business not being written. Company advertisements say “customers that switch” not “people who quote” save that much. That is how insurance companies can confidently advertise the savings.

That is why you should get a wide range of price quotes. It is impossible to predict which insurance companies will give you the biggest savings on Pontiac Firebird insurance.

Auto insurance coverage considerations

Understanding the coverages of a auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 1999 Pontiac Firebird.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Auto liability

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

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as bail bonds, pain and suffering and structural damage. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for expenses for rehabilitation expenses, EMT expenses, funeral costs, nursing services and chiropractic care. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hail damage, a tree branch falling on your vehicle, vandalism and fire damage. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

This pays for damage to your Firebird from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with another moving vehicle, scraping a guard rail, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Have money to burn

When shopping online for insurance, do not sacrifice coverage to reduce premiums. In many cases, an insured cut physical damage coverage and discovered at claim time they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage at an affordable rate.

Consumers switch companies for many reasons like being labeled a high risk driver, unfair underwriting practices, high prices or even delays in paying claims. It doesn’t matter why you want to switch switching insurance companies is pretty easy and you might even save some money in the process.

Lower-priced 1999 Pontiac Firebird insurance is available both online and with local insurance agents, and you need to comparison shop both to have the best selection. Some companies do not offer online price quotes and most of the time these small, regional companies sell through independent agents.

Much more information about insurance is located below: