Compare 1996 Pontiac Firebird Insurance Quotes

Trying to find better insurance coverage rates for your Pontiac Firebird? Trying to come up with a payment for high-priced insurance coverage can bottom out your budget and put the squeeze on your family’s finances.

Multiple car insurance companies compete to insure your vehicles, so it’s not easy to compare every provider to discover the definitive lowest rate possible.

If you are paying for car insurance now, you will be able to save some money using this strategy. Finding affordable coverage is not rocket science. Although consumers do need to understand how companies market insurance on the web.

The Pontiac Firebird insurance price equation

A large part of saving on insurance is knowing the different types of things that are used to determine the price you pay for insurance. If you know what controls the rates you pay, this allows you to make educated decisions that will entitle you to cheaper rates.

• Lower premiums with alarms and GPS tracking – Driving a car with a theft deterrent system can save you a little every year. Theft deterrent systems such as OnStar, LoJack tracking, and tamper alarms can help prevent auto theft.
• High deductibles save money – Protection for physical damage, aka comp and collision, insures against damage to your Pontiac. Some coverage claims are a windshield shattered by a rock, damage from fire, and windstorm damage. The deductibles are how much the insured will be required to pay if the claim is covered. The larger the amount you pay before a claim is paid (deductible), the less your insurance will be on Firebird coverage.
• Better prices on vehicles with better crash test results – Vehicles with good safety scores tend to have lower insurance rates. Vehicles engineered for safety reduce injuries and lower rates of occupant injuries means your insurance company pays less passed on to you as lower rates.
• Safeguard your assets with liability coverage – Your policy’s liability coverage provides coverage if ever a jury decides you are liable for damages caused by your negligence. Liability provides you with a defense in court to attempt to prove you were not liable. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
• Your occupation may affect prices – Jobs like doctorspolice officers and miners are shown to have higher average rates due to job stress and lots of time spent at work. On the other hand, careers like actors, historians and homemakers pay lower than average rates on Firebird coverage.
• Cheaper insurance rates for prior coverage – Driving without insurance is not a good idea and any future policy may cost more because you let your insurance lapse for non-payment. Not only will you pay higher rates, getting caught without coverage will get you a revoked license or a big fine.

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Compare insurance coverage rate quotes

There are several ways to compare insurance coverage quotes, and some are easier and takes less work. You could waste a few hours talking about coverages with local insurance agents in your area, or you can stay home and use the web to achieve your goal.

The majority of car insurance companies enroll in a system that allows shoppers to enter their policy data once, and every company can give them a price based on that information. This prevents consumers from doing form submissions to every company.

To fill out one form to compare multiple rates now click to open in new window.

The one downside to pricing coverage this way is buyers cannot specifically choose which companies to get quotes from. If you would rather choose from a list of companies for rate comparison, we have a listing of low cost insurance coverage companies in your area. Click to view list.

Take whichever approach you prefer, but do your best to enter the exact same coverage information on every quote. If each company quotes different deductibles it will be impossible to truly determine the lowest rate. Just slight variations in limits can result in a big premium difference. Keep in mind that comparing a large number of companies will increase your chances of finding a better price. Not every company provides quotes online, so you should also compare prices from those companies as well.

Do you really save 40% when you switch?

Popular insurance providers such as Progressive, Geico, Allstate and State Farm regularly use ads on television and other media. All the ads advertise claims about saving some big amount if you move your policy. But how can every company make the same claim? It’s all in the wording.

Insurance companies have specific criteria for the type of insured they prefer to insure. For instance, a profitable insured could be married and over the age of 30, has no tickets, and drives a lower-performance vehicle. Anyone who fits those characteristics receive the lowest rate quotes and will also cut their rates substantially.

Drivers who are not a match for the requirements will be charged higher premium rates which translates to business going elsewhere. If you listen closely, the ads state “people that switch” not “everyone who quotes” save the amount stated. That’s why insurance companies can confidently make those statements.

This really drives home the point why it’s extremely important to compare many company’s prices. Because you cannot predict which insurance companies will have the best premium rates at this point in time.

Find hidden discounts to get affordable auto insurance rates

Auto insurance is not inexpensive, but you might find some hidden discounts to cut the cost considerably. Certain reductions will be credited at the time you complete a quote, but occassionally some discounts must be manually applied in order for you to get them.

• Good Driver Discounts – Safe drivers can get discounts for up to 45% lower rates on Firebird coverage compared to accident prone drivers.
• More Vehicles More Savings – Purchasing coverage when you have several vehicles with one company qualifies for this discount.
• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle up before driving can save up to 15% off the personal injury premium cost.
• Accident Free – Drivers who don’t have accidents have much lower rates in comparison to drivers with a long claim history.
• Discount for Good Grades – Excelling in school may save as much as 25% on a insurance coverage quote. This discount can apply well after school through age 25.
• Discount for Multiple Policies – If you insure your home and vehicles and insure them with the same company they may give you a discount of 10% to 20% off each policy.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, you aren’t that lucky. But any discount will help lower the amount you have to pay.

To locate companies who offer online auto insurance quotes, click here.

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Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage, there isn’t really a single plan that fits everyone. Every situation is different so your insurance should reflect that Here are some questions about coverages that may help highlight if you will benefit from professional help.

• Should I sign the liability waiver when renting a car?
• Is my babysitter covered when using my vehicle?
• How high should my medical payments coverage be?
• Is my trailer covered?
• How does medical payments coverage work?
• Exactly who is provided coverage by my policy?
• Am I insured when driving a different vehicle?
• Should I buy more coverage than the required minimum liability coverage?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Should I have a commercial auto policy?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverage information

Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverages found on the average auto insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your 1996 Pontiac Firebird.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as crashing into a ditch, damaging your car on a curb, sideswiping another vehicle, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Coverage for liability

This coverage will cover injuries or damage you cause to people or other property. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims like repair costs for stationary objects, emergency aid and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like X-ray expenses, funeral costs, hospital visits and dental work. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, a broken windshield, fire damage and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Make an honest buck

When shopping online for insurance, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where an insured cut uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to find the BEST coverage at an affordable rate but still have enough coverage for asset protection.

Some insurance companies may not provide the ability to get quotes online and usually these regional insurance providers work with independent insurance agencies. Low-cost 1996 Pontiac Firebird insurance is available online in addition to many insurance agents, so compare prices from both to get a complete price analysis.

More information is available below:

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Get the Right Protection (InsureUonline.org)
• Distracted Driving (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)

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