1991 Pontiac Firebird Insurance Cost – 9 Tricks for Best Prices

If you’ve never shopped for auto insurance quotes online, there’s a good chance you are overwhelmed due to the large selection of local and online companies all promising to save you money.

It is always a good idea to price shop coverage on a regular basis because auto insurance prices change frequently. If you had the lowest quotes on Firebird insurance a couple years back you can probably find a better rate now. Forget all the misinformation about auto insurance because you’re going to get a crash course in the easiest way to save on auto insurance.

Drivers can save with these nine discounts

Some companies do not advertise all disounts in an easy-to-find place, so the next list breaks down both the well known as well as some of the hidden ways to save on insurance coverage.

• College Student Discount – who live away from home to go to college and do not take a car to college could get you a discount.
• Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and will qualify for a discount on a auto insurance quote.
• Multi-line Discount – Larger insurance coverage companies have lower premium rates if you buy some life insurance too.
• New Vehicle Savings – Adding a new car to your policy can cost up to 25% less since newer models have better safety ratings.
• Seat Belts Save more than Lives – Forcing all vehicle occupants to use a seat belt can save 10% or more off PIP or medical payments premium.
• Discount for Good Grades – Excelling in school can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in school or through a local driver safety program.
• No Claims – Drivers with accident-free driving histories have much lower rates in comparison with bad drivers.
• Waiver for an Accident – Not a discount per se, but companies like Geico, State Farm, and Progressive will allow you to have one accident before your rates go up so long as you haven’t had any claims prior to being involved in the accident.

As is typical with insurance, most discounts do not apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. So when it seems like adding up those discounts means a free policy, you aren’t that lucky.

Larger insurance coverage companies and the discounts they provide include:

• State Farm may have discounts that include good student, good driver, Steer Clear safe driver discount, passive restraint, and defensive driving training.
• Geico may offer discounts for military active duty, air bags, anti-theft, daytime running lights, federal employee, emergency military deployment, and good student.
• Allstate offers premium reductions for safe driver, farm vehicle, FullPay discount, premier discount, good payer, senior citizen, and anti-theft.
• SAFECO has discounts for multi-car, bundle discounts, teen safety rewards, accident prevention training, teen safe driver, and safe driver.
• Farm Bureau policyholders can earn discounts including youthful driver, driver training, safe driver, good student, and 55 and retired.
• Progressive offers discounts for continuous coverage, online quote discount, multi-vehicle, good student, homeowner, multi-policy, and online signing.
• AAA has savings for good student, education and occupation, pay-in-full, anti-theft, AAA membership discount, and good driver.

Double check with all the companies to give you their best rates. Some of the earlier mentioned discounts might not be offered on policies in your area. To see a list of companies with the best insurance coverage discounts, click this link.

The quickest method to compare car insurance company rates is to take advantage of the fact almost all companies pay for the opportunity to provide you with a free rate quote. To start a quote, the only thing you need to do is spend a couple of minutes providing details including coverage limits, whether you have decent credit, if a SR-22 is needed, and driver details. The rating information gets transmitted to multiple top-rated companies and you receive quotes instantly to find the best rate.

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Special considerations

When it comes to choosing adequate coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight if your situation could use an agent’s help.

• Can I make deliveries for my home business?
• Can I rate high risk drivers on liability-only vehicles?
• Does liability extend to a camper or trailer?
• Where can I find high-risk insurance?
• Is upholstery damage covered by car insurance?
• Are my friends covered when driving my 1991 Pontiac Firebird?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form.

Brand name doesn’t guarantee savings

Respected companies like Geico, State Farm and Progressive seem to constantly run ads on TV and radio. All the ads advertise the message that drivers can save some big amount if you move your policy. How is it possible that every company can say the same thing? Just pay attention to how they say it.

Most companies have specific criteria for the type of driver that will be a good risk. For instance, this type of insured might be described as married and over the age of 30, insures multiple vehicles, and has excellent credit. Anyone who meets those qualifications will probably get the lowest prices and is almost guaranteed to cut their rates if they switch.

Consumers who do not meet this ideal profile may receive a higher rate which usually ends up with the customer buying from a different company. The ads say “drivers who switch” not “all people who quote” save money. That is how companies can truthfully state the savings.

This really emphasizes why you really should compare quotes as often as possible. Because without a comparison, you cannot know with any certainty which company will have the best car insurance rates for your profile.

Information about specific coverages

Learning about specific coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for rehabilitation expenses, doctor visits and dental work. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

This coverage 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 your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, a tree branch falling on your vehicle, theft, a broken windshield and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability

This will cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things like repair bills for other people’s vehicles, pain and suffering and legal defense fees. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

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More comparisons equals lower rates

Insureds change insurance companies for a variety of reasons including not issuing a premium refund, high prices, high rates after DUI convictions or even delays in responding to claim requests. Whatever your reason, choosing a new company is easier than you think.

While you’re price shopping online, it’s not a good idea to buy less coverage just to save a little money. In many instances, drivers have reduced collision coverage to discover at claim time that the few dollars in savings costed them thousands. The goal is to purchase a proper amount of coverage at an affordable rate, but don’t skip important coverages to save money.

We just covered many ideas to lower your 1991 Pontiac Firebird insurance prices. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest prices are with a smaller regional carrier.

For more information, take a look at these articles:

• Auto Theft Statistics (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)

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