Cheaper 1990 Pontiac Firebird Insurance Cost

Searching for the cheapest insurance for a new or used Pontiac Firebird can be difficult, but you can use the following methods and make it easy.

There is a better way to shop for insurance coverage so we’re going to tell you the absolute fastest way to price shop coverage on a Pontiac and locate the best price possible from local insurance agents and online providers.

How to find affordable insurance

Lowering your 1990 Pontiac Firebird insurance rates is an easy way to save money. You just have to take the time comparing price quotes from different insurance companies. This can be done in a couple of different ways.

• The easiest and least time consuming way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This style of form saves time by eliminating a different quote for each company. One form submission gets insurance cost estimates from all major companies. This is perfect if you don’t have a lot of time.
• A more difficult way to find lower rates is spending the time to visit the website for each individual company and repeat the quote process again and again. For examples sake, let’s say you want to see prices from Auto-Owners, Safeco and State Farm. To find out each rate you need to go to every website and repeatedly type in your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.
• Even if you have time, the least recommended way to quote and compare insurance rates is to spend your day driving to insurance agencies in your area. Doing it all online has reduced the need for local agents unless you’re the type of person who wants the personal advice that you can only get from talking to an agent. Drivers can find lower rates online but buy the policy through an agent.

Whichever way you choose to compare rates, ensure you’re using identical coverage information for every company. If you are comparing different limits and deductibles on each one you will not be able to determine the lowest rate for your Pontiac Firebird.

Cheaper auto insurance rates with discounts

Some companies don’t always advertise their entire list of discounts in an easy-to-find place, so here is a list a few of the more well known and also the more inconspicuous discounts that you may qualify for.

• Payment Discounts – By making one initial payment rather than spreading payments over time you can avoid monthly service charges.
• Discounts for Seat Belt Usage – Requiring all passengers to buckle up could cut 10% or more on medical payment and PIP coverage.
• Low Mileage Discounts – Low mileage vehicles can earn lower premium rates due to less chance of an accident.
• Own a Home and Save – Being a homeowner may earn you a small savings because owning a home is proof of financial responsibility.
• Savings for New Vehicles – Insuring a new car can get you a discount compared to insuring an older model.
• Drivers Education – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class if offered at their school.
• Good Grades Discount – Performing well in school could provide a savings of up to 20% or more. The good student discount can last well after school through age 25.
• Paper-free Discount – A few auto insurance companies will give a small break get insurance coverage online.

Drivers should understand that some credits don’t apply to the entire policy premium. Most cut the cost of specific coverages such as comprehensive or collision. Even though the math looks like all those discounts means the company will pay you, you aren’t that lucky.

Companies and a summarized list of policyholder discounts are included below.

• State Farm has savings for passive restraint, anti-theft, multiple policy, accident-free, and driver’s education.
• Progressive policyholders can earn discounts including multi-vehicle, continuous coverage, good student, online signing, homeowner, and multi-policy.
• Progressive offers discounts including online quote discount, multi-vehicle, homeowner, continuous coverage, multi-policy, online signing, and good student.
• MetLife may have discounts that include multi-policy, good student, claim-free, defensive driver, good driver, and accident-free.
• Farm Bureau includes discounts for renewal discount, 55 and retired, multi-policy, multi-vehicle, good student, and safe driver.
• Geico may offer discounts for driver training, multi-vehicle, membership and employees, air bags, defensive driver, multi-policy, and federal employee.
• SAFECO offers discounts for multi-car, safe driver, teen safe driver, drive less, teen safety rewards, accident prevention training, and anti-theft.

Before buying, ask every company the best way to save money. Some discounts might not be offered in every state. To see insurers that have a full spectrum of discounts, click here to view.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions may help you determine if your situation may require specific advice.

• Are my friends covered when driving my 1990 Pontiac Firebird?
• Is my Pontiac Firebird covered if I use it for business?
• Can I rate high risk drivers on liability-only vehicles?
• Where can I find DUI or SR-22 insurance?
• Does my policy cover me when driving someone else’s vehicle?
• Is pleasure use cheaper than using my 1990 Pontiac Firebird to commute?
• Am I covered if I break a side mirror?
• Do I get a pro-rated refund if I cancel my policy early?
• Who is covered by my policy?
• How high should deductibles be on a 1990 Pontiac Firebird?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Insurance coverages explained

Understanding the coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision protection

Collision insurance pays for 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 coverage pays for claims like crashing into a building, colliding with another moving vehicle, driving through your garage door, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Pontiac Firebird.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Coverage for liability

This provides protection from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as court costs, pain and suffering and medical services. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as ambulance fees, nursing services and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

This pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a broken windshield, a tree branch falling on your vehicle, damage from flooding, hitting a deer and fire damage. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.