How Much Does 1993 Pontiac Firebird Insurance Cost?

Looking for better insurance rates for your Pontiac Firebird? Finding the most affordable insurance might seem rather difficult for people new to quoting and online price comparisons. With dozens of companies competing online, how are people able to have a chance to compare them all to find the best pricing?

It’s smart to shop coverage around on a regular basis because insurance prices are constantly changing. Just because you had the lowest quotes for Firebird insurance a few years ago a different company probably has better rates today. Ignore everything you know about insurance because you’re about to learn the best methods to properly buy coverages while reducing your premium.

Buying car insurance is quite easy. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these tips. Although consumers must understand how the larger insurance companies market on the web and use this information to your advantage.

Discount insurance quotes

Insuring your vehicles can cost a lot, but there could be significant discounts that many people don’t even know exist. Certain discounts will be triggered automatically at quote time, but lesser-known reductions have to be requested specifically in order for you to get them.

• Theft Deterent System – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your insurance quote.
• Telematics Discount – Insureds who allow companies to spy on vehicle usage by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease as long as the data is positive.
• Multiple Cars – Buying insurance for multiple cars with one company can get a discount for every vehicle.
• Claim Free – Claim-free drivers can save substantially when compared to drivers who are more careless.
• Own a Home – Owning your own home or condo can get you a discount because maintaining a house shows financial diligence.

Discounts save money, but please remember that most discount credits are not given to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky. Any amount of discount will lower your policy premium.

For a list of insurance companies that offer multiple discounts, follow this link.

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How to get auto insurance quotes

To find cheaper quotes, there are a couple of ways to obtain and compare prices from many different insurance companies. The easiest way to find the cheapest 1993 Pontiac Firebird insurance rates involves getting comparison quotes online. This can be done in a couple minutes as outlined below.

• The easiest and least time consuming way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This easy form prevents you from having to do boring form submissions to each individual auto insurance company. Taking the time to complete one form gets coverage cost estimates instantly. It’s definitely the quickest method.
• A harder way to compare rate quotes requires you to visit each individual company website and get a separate price quote. For examples sake, let’s assume you want to see prices from Farmers, Allstate and Geico. You would need to spend time on each company’s site and repeatedly type in your coverage information, which can get rather old.

  To view a list of companies in your area, click here.

• The most time-consuming way to compare price estimates is calling or driving to local insurance agencies. The internet has reduced the need for local agents unless you want the professional abilities of a local agency. It is possible to comparison shop your insurance online but purchase the actual policy in an agency.

The approach you take is up to you, just compare apples-to-apples quote information with every price quote. If you are comparing different data it will be impossible to truly determine the lowest rate. Even a minor difference in coverages may result in large price differences. Just keep in mind that having more price comparisons will improve the odds of getting a lower rate.

Tailor your insurance coverage to you

When buying adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For example, these questions may help highlight if your insurance needs would benefit from professional advice.

• Is pleasure use cheaper than using my 1993 Pontiac Firebird to commute?
• When would I need rental car insurance?
• Do I really need UM/UIM coverage?
• When should I not file a claim?
• How does medical payments coverage work?
• Am I covered when driving in Canada or Mexico?
• Are my friends covered when driving my car?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form.

Parts of your auto insurance policy

Learning about specific coverages of your auto insurance policy helps when choosing the right coverages for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Pontiac Firebird.

Due to the fact that many drivers 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.

Medical expense coverage – Coverage for medical payments and/or PIP pay for expenses like hospital visits, X-ray expenses, surgery and nursing services. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Auto liability insurance – Liability insurance provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as attorney fees, loss of income, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverages – Collision coverage covers damage to your Firebird resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like backing into a parked car, sideswiping another vehicle, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive protection – This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as vandalism, hitting a deer, damage from a tornado or hurricane and damage from getting keyed. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

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Be a Smart Shopper

Throughout this article, we presented a lot of tips how to lower your 1993 Pontiac Firebird insurance prices. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest prices come from some of the lesser-known companies.

Cheap 1993 Pontiac Firebird insurance can be purchased on the web in addition to many insurance agents, so get free insurance quotes from both of them in order to have the best chance of saving money. Some companies may not provide online rate quotes and many times these smaller companies only sell coverage through independent insurance agents.

When shopping online for insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, an accident victim reduced liability limits or collision coverage and discovered at claim time that it was a big mistake. Your goal should be to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.

More learning opportunities

• What is Covered by GAP Insurance? (Allstate)
• Auto Insurance Learning Center (State Farm)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)

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