1993 Pontiac Firebird Insurance Rates

Trying to find lower car insurance rates for your Pontiac Firebird? Are you regretting the purchase of high-priced car insurance? Say no more because you are not the only one feeling buyer’s remorse. Many insurance companies compete for your business, and it can be difficult to compare rates to get the best rate

You should take the time to take a look at other company’s rates every six months because prices change frequently. If you had the best deal for Firebird insurance a few years ago there is a good chance you can find better premium rates now. Forget all the misinformation about car insurance because I’m going to teach you one of the easiest ways to remove unneeded coverages and save money.

How insurance providers calculate Pontiac Firebird insurance prices

Lots of factors are used in the calculation when quoting car insurance. A few of the factors are predictable such as traffic violations, although others are less obvious such as whether you are married or your vehicle rating.

• Male costs may be higher – Over the last 30 years, statistics show women tend to be less risk to insure than men. However, don’t assume that females are better at driving than males. They both get in auto accidents at about the same rate, but the male of the species get into accidents with more damage. Not only are claims higher, but men get higher numbers of serious violations like DWI (DUI) or reckless driving.
• Cheaper rates with high physical damage deductibles – Physical damage protection, also called ‘full coverage’, insures against damage to your Pontiac. A few examples of covered claims are a broken side mirror, collision with an animal, or theft. Comp and collision deductibles state the amount of money you are required to spend if a claim is determined to be covered. The more of the claim the insured has to pay upfront, the bigger discount you will receive for Firebird insurance.
• High credit equals lower premiums – Credit history will be a significant factor in determining your rates. Drivers with very good credit scores tend to be less risk to insure as compared to drivers with bad credit. So if your credit rating is low, you could potentially save money when insuring your 1993 Pontiac Firebird by improving your rating.
• Fewer miles means better costs – The more you drive each year the higher your rate. Almost all companies rate vehicles determined by how the vehicle is used. Autos used primarily for pleasure use receive lower rates than vehicles that have high annual mileage. A policy that improperly rates your Firebird is throwing money out the window. Double check that your car insurance policy correctly shows the correct driver usage.
• Better car insurance rates on safer cars – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles protect occupants better and fewer injuries means lower claim amounts which can result in lower premiums.
• If you don’t need it don’t buy it – Policies have optional add-on coverages that can add up if you don’t pay attention. Coverages for replacement cost coverage, towing coverage, and extra life insurance coverage may be costing you every month. These may sound like a good investment when buying your policy, but if you don’t need them get rid of them and save.
• Your liability coverage limits – The liability section of your policy kicks in if you are responsible for damages caused by your negligence. Your policy’s liability insurance provides legal defense coverage which can be incredibly expensive. This coverage is relatively inexpensive compared to comp and collision, so buy as much as you can afford.
• Traffic violations increase costs – How you drive can have a huge impact on auto insurance premiums. Even one speeding ticket or other violation can bump up the cost by as much as thirty percent. Attentive drivers receive lower rates as compared to careless drivers. Drivers who get dangerous violations such as DUI or willful reckless driving are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.

The best way we recommend to compare car insurance rates is to take advantage of the fact most of the larger companies actually pay money for the chance to compare rate quotes. The only thing you need to do is provide a small amount of information including marital status, types of safety features, your general credit rating, and if you went to college. That rating information is then submitted to many highly-rated insurers and they provide comparison quotes instantly.

If you wish to get multiple quotes for your Pontiac Firebird now, click here and see if a lower rate is available.

Do drivers who switch really save $493 a year?

Consumers can’t escape the ads for the lowest price insurance by companies like State Farm, Allstate and Geico. They all seem to seem to make the promise that you’ll save big if you move your coverage to them.

How does every company charge you a lower premium? This is the way they can do it.

Insurance companies have underwriting criteria for the driver that will be a good risk. For example, this type of driver should be between 30 and 50, carries high limits, and does not commute to work. Any customer that fits those parameters will get the preferred prices and most likely will save a lot of money.

Potential customers who cannot meet those criteria will have to pay a more expensive rate and this results in the customer not purchasing. The ads say “customers that switch” but not “everyone who gets a quote” can save as much as they claim. That is how companies can truthfully make those statements.

Each company has different criteria, so drivers should do a price quote comparison at every renewal. It is impossible to guess which insurance companies will have the best premium rates for your profile.

Cheaper rates by taking advantage of discounts

Buying insurance is not cheap, but you might already qualify for some discounts that can drop the cost substantially. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be specially asked for before being credited. If you are not receiving all the discounts available, you could be saving more on your insurance.

• Senior Citizen Rates – If you qualify as a senior citizen, you may be able to get a slight reduction on a insurance quote for Firebird insurance.
• Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts can save a little off PIP or medical payments premium.
• Discount for Swiching Early – Some larger companies give discounts for signing up prior to the expiration date on your current policy. It can save you around 10%.
• Theft Deterent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
• Buy New and Save – Insuring a vehicle that is new can save up to 30% because new vehicles have to meet stringent safety requirements.
• No Claim Discounts – Claim-free drivers pay less when compared to bad drivers.
• Defensive Driver Discounts – Taking part in a defensive driving course is a good idea and can lower rates if your company offers it.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower premium rates if you buy life insurance from them.
• Low Miles Discount – Driving less could earn lower premium rates due to less chance of an accident.
• College Student Discount – who are attending college without a vehicle on campus can receive lower rates.

Discounts save money, but please remember that most credits do not apply the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

The best insurance companies and some of the discounts are:

• 21st Century policyholders can earn discounts including early bird, anti-lock brakes, defensive driver, driver training, theft prevention, student driver, and air bags.
• Progressive may include discounts for online quote discount, online signing, continuous coverage, homeowner, multi-policy, good student, and multi-vehicle.
• State Farm includes discounts for Drive Safe & Save, multiple autos, safe vehicle, defensive driving training, passive restraint, driver’s education, and good driver.
• Nationwide has savings for defensive driving, business or organization, accident-free, multi-policy, Farm Bureau membership, and anti-theft.
• Esurance may have discounts that include renters, defensive driver, anti-lock brakes, anti-theft, good driver, homeowner, and Pac-12 alumni.
• The Hartford offers premium reductions for defensive driver, bundle, driver training, anti-theft, air bag, good student, and vehicle fuel type.

When getting free insurance quotes, it’s a good idea to each company or agent which discounts you qualify for. Depending on the company, some discounts might not be offered on policies in your area. To find companies that offer discounts, follow this link.

How much car insurance do I need?

When it comes to buying the best car insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether you will benefit from professional help.

• How do I buy GAP insurance?
• Is my dog or cat covered if injured in an accident?
• Can I rate high risk drivers on liability-only vehicles?
• Are there companies who specialize in insuring high-risk drivers?
• Why am I required to get a high-risk car insurance policy?
• Am I covered when driving on a suspended license?
• Is a fancy paint job covered?
• Is upholstery damage covered by car insurance?
• Is business equipment covered while in my vehicle?
• Do I need replacement cost coverage on my 1993 Pontiac Firebird?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Auto insurance coverage specifics

Having a good grasp of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types found on most auto insurance policies.

Liability auto insurance

This provides protection from damage that occurs to other’s property or people by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like pain and suffering, court costs, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, rock chips in glass and a tree branch falling on your vehicle. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

This pays for damage to your Firebird caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sustaining damage from a pot hole, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Pontiac Firebird.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses for doctor visits, dental work, chiropractic care, prosthetic devices and pain medications. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

A little work can save a LOT of money

As you restructure your insurance plan, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, an insured dropped liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage at the lowest possible cost while still protecting your assets.

There are still a few companies who do not offer online price quotes and these regional carriers only sell coverage through local independent agents. Cost effective 1993 Pontiac Firebird insurance can be purchased on the web in addition to many insurance agents, and you need to comparison shop both to have the best selection.

Additional information can be found at the links below

• How to Avoid Common Accidents (State Farm)
• Side Impact Crash Tests (iihs.org)
• Teen Driver Licensing Information (iihs.org)
• Choosing a Car for Your Teen (State Farm)