2000 Pontiac Firebird Car Insurance Quotes – 7 Tips to Save

Searching for the cheapest insurance coverage rates for your Pontiac Firebird? Sick and tired of being strong-armed each month for car insurance? You’re in the same situation as many other consumers. Lots of auto insurance companies contend for your business, and because of this it can be hard to compare insurance companies to get the best rates possible.

If you have a policy now or are looking for a new policy, you can use this information to find better prices and possibly find even better coverage. Choosing the best insurance company for you is not rocket science. Drivers just need to know the best way to compare price quotes over the internet.

Quick Insurance Quotes

All major insurance companies provide pricing online. Obtaining pricing is quite simple as you just type in the coverages you want as detailed in the form. Upon sending the form, their rating system will obtain your driving and credit reports and provides a quote based on these factors. Online quotes makes comparing rates easy, but the time required to go to different websites and complete many quote forms is repetitive and time-consuming. Unfortunately, it is important to do this if you are searching for lower prices.

The preferred way to find cheaper rates requires only one form that analyzes rates from several different companies. This type of form saves time, requires much less work on your part, and makes rate comparisons much easier to do. As soon as you send your information, it is quoted and you are able to buy any one of the quote results. If you find a better price you simply finish the application and purchase coverage. This process just takes a couple of minutes and you will find out if you’re overpaying now.

To save time and compare rates now, click here and complete the simple form. If you have your current policy handy, we recommend you replicate coverages and limits as shown on your current policy. This makes sure you will have comparison quotes for similar insurance coverage.

You probably qualify for some discounts

Companies don’t always advertise all their discounts in an easy-to-find place, so the following is a list of some of the best known and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit available, you’re paying more than you need to.

Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school.
Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
Auto/Life Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.
More Vehicles More Savings – Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
Resident Student – Kids in college who live away from home without a vehicle on campus can receive lower rates.
Passive Restraints – Cars that have air bags or motorized seat belts can receive discounts up to 30%.
Accident Free – Drivers who don’t have accidents can save substantially as compared to bad drivers.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Some only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like it’s possible to get free car insurance, you’re out of luck.

For a list of insurers who offer insurance coverage discounts, click here.

There’s no such thing as the perfect policy

When buying coverage for your vehicles, there really is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if you would benefit from an agent’s advice.

What is medical payments coverage?
Are my friends covered when driving my car?
Do I need higher collision deductibles?
Am I insured when driving a different vehicle?
Am I covered when delivering products for my home-based business?
Am I covered if I drive in a foreign country?
Is my camper covered by my car insurance policy?
Who is covered when they drive my 2000 Pontiac Firebird?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverages available on your auto insurance policy

Learning about specific coverages of your policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are the usual coverages available from auto insurance companies.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other motorists 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 have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, a broken windshield, fire damage, falling objects and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

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

Collision can pay for things such as colliding with a tree, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability coverage

Liability coverage provides protection from injuries or damage you cause to people or other property by causing an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as funeral expenses, bail bonds, legal defense fees, medical expenses and medical services. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as pain medications, prosthetic devices and nursing services. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage